Intimately serving "new citizens"

Intimately serving "new citizens"

Sun Guijin Xu Gang

Since the beginning of this year, Shandong Tancheng Rural Commercial Bank has conscientiously implemented the work deployment of the provincial federation of the provincial federation of the "new citizens" of the "new citizens" of the "new citizens" in the "new citizens" in the jurisdiction, actively carried out docking services, understand the needs and characteristics of customer groups, and precisely do it accurately Good "new citizens" financial services work, since this year, it has issued a total of 201 households with new citizen loans, with a amount of 165 million yuan.

Knowing the customer's anxiety, the speed of getting loans is "faster"

"Hello, do you help me see how to operate next?" The client manager Yan Gaofei WeChat chat dialog box received such a message. Open the chat interface. It is a screenshot of the interface of "Yimeng Cloud Loan" waiting for approval.

Brother Liu, a client living in rural areas, opened a aquarium in the city to rent a house in the city and operated various fish tanks and tropical fish. This year, he intends to expand the store operation. You need to buy fish tanks and other supplies. The store was idle every day. He had no way to think of the Rural Commercial Bank for the first time, but unfortunately, due to the prevention and control of the epidemic, he could not go out for consultation for the time being.

Customer manager returns to customer business situation

When he brushed the circle of friends at home, he accidentally saw the "Yimengyun Fast Loan" product shared by Yan Gaofei, the customer manager of the Tancheng Rural Commercial Bank, and applied on the phone with the idea of ​​trying to see, so there was a scene of the beginning. After receiving WeChat, the client manager Yan Gaofei contacted Brother Liu in time and approved it after verifying the understanding with the village farmer. After a while, the approval of the credit line of 57,000 yuan was completed, and Brother Liu frowned with his frowning. He said happily: "I really did not expect to do online loan speed so fast."

Since the beginning of this year, Tancheng Rural Commercial Bank has continued to optimize the credit process, actively compressed the loan application procedures, and unblocked the loan application channels, and basically achieved an online consumption of 0.5 working days for small online loans.

Understand what customers need, credit products are "a little more"

Customer He Dongyan is a native of Shexian County, Shandong. Because she has a meager income in her hometown, there are four children who need to spend money in their homes. One year ago, the couple left their hometown and came to work in Linyi Vegetable Market. After a year of work and selling vegetables, the couple have a certain way for the purchase and sale of vegetables. They also accumulate a certain connection through dealing with customers. It is better to invest in others. Choose to rent a house in Maohua Vegetable Market in Tancheng County to engage in vegetable wholesale. Seeing that all savings have been invested, it still does not reach the expected purchase scale.

When the two were in a unattended exhibition, the publicity of the "entrepreneurial guarantee loan" of Tancheng Rural Commercial Bank attracted He Dongyan's attention. The client manager learned about the needs of Sister He after the need for Sister He, and learned that Sister He came to Tancheng from the rural hometown of Jixian County to start a business. In less than two days, the big sister's "Entrepreneurship Guarantee Loan" application information was issued to Sister He Card, and Sister He touched "I did not expect that our foreign people could get out the loan. When an outsider, I really thank it. When we make money, we must support the Rural Commercial Bank. "

Tancheng Rural Commercial Bank has always been guided by customer needs, actively carried out product innovation and service innovation around "new citizens", and focused on promoting "entrepreneurial guarantee loans", "retired soldiers entrepreneurial loans", "inclusive individuals" for "new citizens". Special credit products such as credit loan "" consumer loan "and" consumer loans "accurately meet the differentiated needs of new citizens.

To solve the worries of customers and enhance their feelings "a little bit"

Brother Hu is from the Northeast. He came to Tancheng in 2019 and operated a hot pot restaurant. For more than two years, he has been fighting alone. Through continuous learning and focusing on research, he quickly mastered and innovated the new hot pot taste and business model. Renting a house, renovation, and introduction of new hot pot equipment, Brother Hu's original savings in his hands were invested in a new hot pot restaurant, but it took a lot of funds to open the opening of the new store, which made him a little angry.

The client manager of the Tancheng Rural Commercial Bank of China took a timely interconnection after he learned the difficulties of Brother Hu when he came to business propaganda. Brother Hu said: "My hometown is from the Northeast, there is no Tancheng hukou, and the guarantor can't find the loan here. Do you rest assured? Don't worry about me running?" The customer manager immediately introduced Brother Hu to The financial service policy specifically aimed at his "new citizen", saying "Although you are foreigners, but chose to come to Tancheng to start a business, it is also a person who has contributed to the development of our Tancheng's economic development. What about rejection? "The customer manager recommended it to him" the credit loan of inclusive individual industrial and commercial households ", and told Brother Hu on the spot that the brief information and processing process that needed to prepare had dispelled Brother Hu's concerns. The next day, the loan of 300,000 yuan was issued in place. Brother Hu gave a thumbs up, his face was full of joy, and he said excitedly, "Don't worry about it. In the future, we will recognize our Rural Commercial Bank."

Tancheng Rural Commercial Bank conscientiously implemented the requirements of the province's agricultural and commercial bank on the "New Citizen" financial service action plan, actively collected the list of "new citizens" in the jurisdiction, and took the initiative to carry out on -site docking. "Home" general warmth.

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