Dazhong.com Poster News Reporter Liu Taoran Correspondent Li Fengying Juancheng Report
For a long time, Juancheng Rural Commercial Bank has fully released the potential of data elements, improved digital and intelligent marketing capabilities, accelerated the intelligent reconstruction of financial services, etc., and gave full play to the leading role of technology in business development.
Unleash the full potential of data elements.Juancheng Rural Commercial Bank deeply recognizes the important value of data assets. Since the beginning of 2022, the Ministry of Science and Technology has used the historical data distributed by the provincial association to cooperate with the business department to complete more than 20 business data extraction and analysis, which will help product innovation, precision marketing, and business decision-making. , risk prevention and control, etc., provide strong data support, effectively promote the transformation of business from experience-based decision-making to data-based decision-making, and enhance the foresight and accuracy of business management. Continuously explore the application and sharing mechanism of internal and external data fusion, actively explore and promote the interconnection and information exchange with the public service field on the premise of ensuring data security and personal privacy, and form data assets with diverse content, complete structure and rich value. Combined with government departments, household registration departments, epidemic prevention departments and other departments, the number of data obtained and imported into the smart marketing system has exceeded 820,000, providing strong data support for later precision marketing.
Improve digital marketing capabilities.Juancheng Rural Commercial Bank actively explores and promotes the promotion and application of online marketing models in terms of customer acquisition. Online marketing models such as WeChat marketing E platform and official account to promote business products have effectively increased the scale of customer acquisition and reduced customer acquisition costs. At present, Juancheng Rural Commercial Bank’s WeChat official account has exceeded 54,700 fans, and the number of registered users of WeChat marketing E platform has exceeded 9,600. Currently, the number of customers obtained through these two online marketing models has exceeded 50,000. In terms of live customers, it uses data to gain insight into customer behavior preferences and financial needs, and recommends financial products to customers on the basis of respecting consumers’ wishes and protecting consumers’ legitimate rights and interests, enhancing customer activity, and promoting them through official accounts. The online smart life payment platform has achieved online tuition payment of 48 million yuan.
Accelerate the intelligent reconstruction of financial services.Juancheng Rural Commercial Bank has continuously increased the deployment of off-bank self-service equipment, Nongjintong equipment and mobile office equipment in recent years. Currently, it has deployed 13 off-bank self-service equipment and 170 Nongjintong equipment, equipped with portable smart teller machines. 31 sets, 5 sets of mobile teller machines, 225 sets of mobile loan-handling tablets and over-the-counter authorized tablets. The deployment of off-bank office outlets and mobile office equipment has effectively extended the reach of financial services. In February 2022, more than 36,000 transactions were processed for customers through Nongjintong and off-bank self-service equipment, and mobile office equipment was used for remote areas, people with limited mobility, People with communication barriers took the initiative to go to the door to handle more than 8,000 financial transactions, effectively improving the depth, breadth and temperature of financial services.