Red Net Moment Changde, December 18In order to further improve the level of financial services and expand the scale of credit support, this year, Linli Rural Commercial Bank has laid a solid foundation for escorting the development of the real economy through in-depth excavation, innovative ways and methods, in-depth door-to-door visits, innovative products and strengthened assessments.
Carry out regular visits to enhance customer stickiness. We will continue to further promote the visit actions of team members, middle-level backbones and front-line account managers of the head office, implement the system of regular visits and return visits by customers, and implement the requirements of "precise visits, meticulous visits, and fine visits", so as to shorten the distance between customers, contact customer feelings, enhance customer stickiness, promote the revitalization of stocks, and expand increments. At the same time, we will carry out in-depth visits to "100 Lines and 10,000 Enterprises" and "100 Lines and 10,000 Households", and carry out all-round financing docking actions according to the list of new agriculture-related business entities, specialized and special new manufacturing enterprises, scientific and technological innovation enterprises, green finance projects and key construction projects within the jurisdiction. Implement the "work log" and "visit and punch-in" system of credit account managers, effectively change the work style, and have an in-depth understanding of the customer's production and operation, financing needs and settlement services, etc., to meet customer needs.
Innovate credit products and increase investment. Promote the bank-tax interaction, bank-government cooperation, bank-insurance cooperation and bank-insurance cooperation models, and launch credit products such as "Xiaoxiang Caiyin Loan", "Agricultural Loan", "Tax Easy Loan" and "Credit Supplement Loan", so as to effectively solve the problem of insufficient guarantee for enterprises. Up to now, 7,370 "agricultural loans" have been issued60,000 yuan, issued "Xiaoxiang Caiyin Loan" 118990,000 yuan.
Formulate appraisal methods and strengthen performance appraisal. The "2023 Annual Comprehensive Assessment Measures" and "2023 Annual Performance Appraisal Measures" were promulgated, and the loan marketing tasks were assigned according to the number of account managers, and each branch president and account manager was assessed, so as to greatly increase the performance salary assessment of loan marketing, and strictly implement the assessment system of more work, more work, less work, and no work. At the same time, the key sub-branches and general sub-branches will be assessed differently, the risk resolution and loan marketing will be jointly assessed, the performance salary assessment of loan marketing will be greatly increased, and the assessment system of more work and more rewards will be strictly implemented.