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瑞豐銀行(601528.SH):將推廣“小微易貸”線上掃碼
格隆匯 04-18 15:54

格隆匯4月18日丨有投資者向瑞豐銀行(601528.SH)提問:預計未來大中型銀行會繼續積極佈局普惠小微,公司如何應對?

瑞豐銀行迴應:在開門紅結束後,部分國有行普惠小微貸款投放力度有所放緩,執行利率也有所上調。針對大中型銀行佈局普惠小微的現狀,本行一直以來都在向信保類貸款發力,今年將堅定不移經營風險、下沉客羣,完善風險偏好,通過風險體系的優化,提高信用保證類貸款佔比,實施差異化競爭策略。在服務體系方面:本行經過多年的探索,創新推出“百園工程”,首創“企業信用庫”及“三分三看三重”小微操作技術模式,打造了差異化小微服務體系;在營銷策略方面:一是加強大走訪活動力度。充分借力銀政聯盟、首貸户、支持市場主體專項行動等大數據,落實目標清單走訪,針對不同客户類別制訂針對性營銷策略,結合總行條線部門駐點機制,賦能支行,形成走訪、營銷、反饋、業務落地的閉環管理體系。二是強化小微園區管理。2022年末,本行已服務小微園區227家,服務駐園企業數量超6142户,致力解決覆蓋面不夠廣的問題,2023年將持續增加服務園區數量。三是推廣“小微易貸”線上掃碼,通過線上+線下結合,提升客户體驗。

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