The credit manager of Yangxi County Sub-branch of Postal Savings Bank took Chengcheng Village Oyster Farm to carry out the investigation of "spring ploughing for ploughing".
By the end of March 2023, the bank had a net increase of more than 350 million yuan in microfinance in the city, ranking first in the province in terms of the target progress of net loan increase. It is reported that in order to develop microfinance business, in 2023, the bank will take the following measures to ensure its implementation.
Set stage objectives and strengthen supervision and analysis.
First, report the completion every day, and follow up the business processing progress and reporting efficiency one by one. The second is to analyze the efficiency, highlights and shortcomings of each team with a normal heart and improve each other. The third is to organize on-site supervision and help in time to urge the development goal to be completed as soon as possible. By strengthening the assessment and supervision of microfinance, we can understand the work progress of each unit through business notification, supervision and assistance, and leaders' heart-to-heart talks, and do a good job in process control to ensure that the development target of microfinance business in the first quarter is exceeded.
By the end of March, the city's microfinance target was successfully completed, with a completion rate of over 60%.
Promote characteristic marketing and steadily expand the market.
Carry out targeted market analysis and industry research, formulate special marketing plans, strengthen business marketing and development guidance in outreach marketing activities, especially fine guidance for key industries, platforms and products to ensure accurate marketing.
Seize the key time of marketing, put forward specific goals and clear requirements by combing the problems existing in the early development of marketing team, and take active and effective measures in time.
Increase the marketing proportion of star products, adjust the proportion of agricultural loan business, give full play to the advantages of online loan model and improve efficiency.
Build a professional team and enhance endogenous motivation.
On the one hand, personnel support is in place. This behavior maintained the relative professionalism and stability of the microfinance account manager team, adhered to the requirements of account manager allocation, further enriched the account manager team, and quickly completed the allocation of 38 account managers, accounting for 25% of the bank's marketing staff.
On the other hand, the incentive assessment is in place. Comprehensively promote the strategy of "forcing talents", establish a red and yellow card assessment mechanism and a point ranking mechanism to fully stimulate team vitality; Optimize performance appraisal, guide account managers to strengthen risk control, increase incentives for credit business account management points, and ensure risk control in view of the high pressure of credit loan account management.
Optimize products and enhance growth capacity.
First, accelerate product innovation. The Bank actively explores and promotes innovative credit products to provide differentiated and diversified financial services for agriculture, rural areas and farmers. By signing the alliance strategic cooperation agreement, tobacco loans and personal industrial chain online loans were successfully issued, and the coverage and convenience of financial services were continuously improved.
The second is to strengthen the alliance between government, banks and enterprises, successfully realize the issuance of government compensation guarantee loans, and support rural revitalization with more targeted and efficient products.
The third is to increase the promotion and application of innovative data finance, successfully issue online loans to credit users, and promote the rapid and healthy development of credit loans.
[Image] Liu Xin
Related Q&A: In 2020, the benchmark interest rate of Yangjiang's first home loan interest rate will be 4.35%; For one to five years, including five years, the benchmark interest rate of the central bank is 4.75%; For loans over five years, the central bank's benchmark interest rate is 4.9%. Personal provident fund loans, including loans for less than five years, the benchmark interest rate of the central bank is 2.75%; For loans over five years, the benchmark interest rate of the central bank is 3.25%.