"Five Grab Five Five Five" rammed the foundation and condensed the heart to promote development

"Five Grab Five Five Five" rammed the foundation and condensed the heart to promote development

Liao Haiqing

Guizhou Qianxi Rural Commercial Bank will report the second place in Guizhou Agricultural Credit System after the "Tiger Leaping Welcome Spring". Yuan, the growth rate of 12.16%; the balance of various loans was 7.368 billion yuan, an increase of 866 million yuan, a growth rate of 13.32%. It successfully completed the target task of "double twelve" in the annual deposit and loan growth.

Since the beginning of the year, Qianxi Rural Commercial Bank has unswervingly implemented the new development concept in accordance with the work arrangements of the Guizhou Provincial Party Council and the operating level, with high -quality development as the unification, actively implementing the "6255" overall strategy, adhering to the "steady word is the first leader in the first leading word. , Stable and progressing ", go up and down, take the lead, and fight for the first time, go all out to focus on development, control risks, and empowerment, and to promote the implementation of various tasks.

Strong guarantee for the construction of the mechanism

Seize the development opportunity. Starting in the fourth quarter of 2021, he started planning the "opening of the door" to achieve "two two early and two pervasives", investigated early, aimed at competitors for its efforts, comprehensively found the products and services of the city's financial institutions, and proposed targeted measures and play methods. ; In the early inventory, aiming at the needs of customers to make efforts, ask the number of customers, blank customers, and out -of -person personnel in advance to ask for visits, formulate a classification marketing plan, and hold a startup meeting. Marketing opportunities in the peak season, intensive cultivation, set off a wave of vigorous financial services.

Strengthen performance assessment orientation. The bank establishes a differentiated assessment mechanism and formulates the performance assessment methods of grass -roots outlets. It is divided into 8 tracks in accordance with the business scale, business structure, area, competition environment, and service area of ​​the outlets of the entire jurisdiction. Standards; implement the focus of staged assessment, formulate special work plans such as the "opening of the door" action competition and social security card according to different work priorities at various stages, and adopt an additional subtraction system, performance reward and punishment, and single pricing; improve the level of scientific and technological assessment level , An independently build a performance assessment system, increase the proportion of vertical assessment and valuation assessment, implement the assessment model of 100%of the customer manager's 100%valuation assessment, and other positions of "performance+valuation", which effectively stimulates the enthusiasm of employees' work.

Increase the efforts of review. The head bank held a weekly meeting to organize the leadership team and department to study the difficult points and blocks of the recent key tasks, and implement the solution measures one by one; the outlets hold a morning meeting and three re -examination meetings for the implementation of the goals, etc. Find the gap between the shortcomings, find the focus of work, and find the target customers to comprehensively improve the quality of the work; 20%of the ministry's performance hanging on the pian, conduct business supervision from weeks to form a joint force to promote development; Help, participate in the dot recovery meeting, find out the crux for the first time, and point out the direction.

Grasp the foundation of basic work

Guizhou West Rural Commercial Bank revolves around the "four new" services, adheres to the market positioning of "deep cultivation of the country, a small agricultural support", and comprehensively implements the overall strategy of the Guizhou Provincial Association of the Provincial Association of Guizhou and the "136" digital strategy. The "one, deep, three extensions and two stabilization" customer base positioning, with the opportunity of the establishment of Qianxi Financial Credit City, solidly promotes the construction of rural credit projects, actively relieves market entities and helps to stabilize the economic market. 6.925 billion yuan, an increase of 1 billion yuan, 1.189 billion yuan in inclusive micro -loans, an increase of 192 million yuan.

Promote the upgrade of credit engineering. Focusing on the "four lists and one overall planning" to promote the construction of credit engineering solidly, the "four liquidation" is the four lists of farmers' construction rating, social security cards, receiving merchants, and out -of -person personnel. Xianghe's security card intensity, merchant marketing training, farmers' information update, credit value conversion, and marketing of out -of -person personnel.

Financial services are done. Focusing on the "Four Energy" service mechanism, using credit services as the starting point, exploring the promotion of home+individual credit model, multi -channel and multi -way marketing Jianlian, and financial services such as social security cards, credit, and payment settlement.

Fight up the social security card. While keeping up the rural positions, the social security card commando has set up an administrative institution in the urban area, and the units that the business institutions are claimed to strengthen the docking of the enterprise and institutions in the city. As of the end of June, a total of 87 enterprises and institutions in urban areas have been signed, and 14,000 social security cards for the third -generation employees of enterprises and institutions have been signed, of which 12,700 have been activated.

Grab online and offline service

The bank understands the development status and various subjects of the service region, digs in depth to dig valid needs, establishs the concept of growing up with market players, and strives to build financial services with a deep temperature and speed and in -depth. Greatly improve the coverage, acquisition and satisfaction of financial services.

Improve hall service. Carry out intimate services such as hot tea, hall micro -sand dragons in the hall, adhere to the hall position, strengthen one sentence of the counter marketing and the hall of the hall (other banks, WeChat, Alipay) to achieve customer products 1+N binding.

Carry out inclusive visits. Establish a full -scale visits mechanism, strengthen assessment incentives, gather the characteristics of the customer base to carry out wrong visits on holidays, weekends, and evenings. Relying on smart service platforms, WeChat and other media, set up "AI+Artificial Sites+Customer Manager" link online and offline visit platforms.

Strengthen online product promotion. With the "Guizhou Nongyun" and "Guizhou Nong E Pay" as the carrier, the accurate marketing list is established to ensure that the number of customers in the stock loan gradually transfer to the online, adding a qualified online signing rate of 100%, improving the convenience of credit services; Improve the market share of "Guizhou Nong E Pay" and provide merchants with full -process financial services. In the first half of the year, 8687 newly received acquisition merchants achieved a collection of 3.296 billion yuan in funds, 85,600 online loan contracting households, online lending loans The rate is 88.54%.

Grasp the innovation transformation and empowerment

Optimize the functional layout of the urban area. The bank changed the five comprehensive outlets of the original urban area to savings outlets, added two loan centers to carry out "dual employment" work in urban areas, and selected outstanding employees with outstanding work performance to urban areas to optimize the combination of human resources, enhance urban outlet competition For the first half of the year, the various deposits of urban outlets increased by 419 million yuan, an increase of 236 million yuan year -on -year, and the new loans increased by 464 million yuan, an increase of 217 million yuan, and the non -performing loan decreased by 6.5264 million yuan, a year -on -year decrease of 30.1153 million yuan.

Innovative credit products. Focusing on customers and market demand, the bank innovatively launched credit products such as "Anju Loan" and "Anxiang Loan", and continued financial services such as housing mortgage loan customers, retired employees' social security card customers, new citizens and other customer groups, and deeply excavated the potential value of customers. Effectively improved the coverage of credit services. Among them, in the first half of the year, a total of 99 "residence loans" were issued, with a amount of 14.026 million yuan and a balance of 13.5471 million yuan.

Strengthen scientific and technological empowerment. With the smart service platform, the bank passed SMS reminders, AI voice collection (marketing), artificial external call collection (marketing), and pushed the mission work order and marketing work order to the customer manager to greatly improve the work efficiency and marketing of the customer manager. The success rate, as of the end of June, assisted the client manager to recover 65,865 overdue loans, the principal of 248.799 million yuan, and the interest of 21.687 million yuan.

Grasp the party building leading strong support

The party committee of Qianxi Rural Commercial Bank comprehensively strengthened the party's politics, thoughts, organizations, style, and disciplinary construction, further promoted the comprehensive and strict governance of the party, governing the behavior of the party committee, the overall situation, and the role of promoting the implementation of the party. , The ideological advantages and organizational advantages are continuously transformed into corporate governance advantages, scientific management advantages, and market competitive advantages.

Pay close attention to the construction of style and create a strong atmosphere of entrepreneurship. Carry out the special work of "turning the wind and promoting transformation", carefully sort out the burdens and empowerment of the grass -roots outlets, and put the supervision and discipline accountability throughout the entire process of high -quality development, and pay close attention to the work style. The fighting spirit and fiery passion of hard work.

With the joint construction of the party's construction, we will make full marketing to public deposits. Give full play to the advantages of the resource, through the methods of the party committee of the head office, the party branch and the relevant government departments, and the party building and joint construction of the public institutions, increase communication and coordination, and make every effort to achieve financial services. , CCB, Bank of China, Bank of Guiyang, and other financial institutions have declined with public deposits. In the case of newly added public deposits to public deposits, at the end of June, the public deposit maintained a new increase of 24.39 million yuan from the beginning of the year.

Li Li and hard work to start a new journey, and the new chapter of Fen Duku. In the next step, the Qianxi Rural Commercial Bank will resolutely implement the various decision -making and deployment of the Provincial Federation of Federation and Bijie Audit Center, take advantage of the momentum, and forge ahead. The color enhancement of the development of the "agriculture, rural areas and rural areas", strive to create a new situation of high -quality development, and welcome the 20th National Congress of the Party with a better work performance!

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