The Central Financial Work Conference held in October 2023 first proposed "doing well in the five major articles of technology finance, green finance, inclusive finance, pension finance, and digital finance."
To thoroughly implement the spirit of the Central Financial Work Conference, Guizhou Bank has launched a special column titled "Doing Well in the Five Major Articles, Writing a New Answer for Guizhou Bank," which tells the service stories of Guizhou Bank in the fields of technology finance, green finance, inclusive finance, pension finance, and digital finance.
Inclusive Finance Chapter: Promoting the "Four Modernizations" Transformation of Outlets, Financial Services Seek Change in the New
After intensive renovation and decoration at the original site, on October 15th, the business hall of Guizhou Bank's Anshun Nanhua Branch, located on Huangguoshu Avenue, entered the stage of scene arrangement.
After the renovation, the branch integrates modern and comfortable elements, with intelligent equipment service areas, ATM self-service areas, hall waiting areas, financial consultation rooms, VIP customer service rooms, etc., providing customers with a more comfortable financial service environment and bringing customers a more convenient, fast, and efficient financial service experience.
The transformation of the outlet conveys the intention and focus on serving urban and rural residents, serving small and micro enterprises, and serving the local economy.
PART.O1 Layout Scenario, Hall Marketing with Characteristics
The merger and integration of front-line outlets and operational upgrades are key directions for banks to "slim down" and develop, and are also explorations to deeply cultivate community life, promote inclusive finance, and retail consumer differentiated financial services.
In 2024, Guizhou Bank's Anshun Branch, with its advantage of being rooted in the region, adapted to industry forms and customer needs, constructed non-financial scenarios, and launched the "Featured Cultural Theme Service Day" activity, continuously extending and broadening customer acquisition channels, increasing customer stickiness, and driving the conversion of financial and credit products.
The business department of Guizhou Bank's Anshun Branch, 15 kilometers away from Yunfeng Tunpu, with various red-faced brave generals, white-faced military generals, yellow-faced loyal generals, and the "Fengyang Han Costume" with wide sleeves... A business outlet with "Tunpu Culture" characteristics has become a unique landscape.The Anshun Branch adheres to the service philosophy of "a caring bank," continuously promoting refined management of outlets, standardized construction, and differentiated services. It adapts to local conditions and has transformed several star-level business outlets into special service outlets featuring "Tunpu Culture," "Batik Embroidery," and "Aviation New Stars," creating a new financial consumption scenario for customers that is warm, inheritable, and meaningful. These outlets have also become the main battleground for customer referral, traffic guidance, acquisition, and activation.
The person in charge of the Anshun Branch introduced that not long ago, Mr. Li, a citizen, lost his father's social security card and was unable to come to the business outlet to replace it due to mobility issues. After understanding the situation, the Guizhou Bank provided door-to-door service for the first time to assist with the process.
"Thanks to your door-to-door service, my old father was spared the trouble," Mr. Li expressed his gratitude.
Relying on the extensive network advantages of two urban areas, the Anshun Branch of Guizhou Bank cooperates with the government to undertake comprehensive financial services such as bank-social security and bank-medical services, as well as the important social responsibility of distributing pension insurance to middle-aged and elderly customers. This allows the public to handle high-frequency medical insurance and social security business at their doorstep, creating a "convenient service circle" for social security and medical insurance within 15 minutes.
So far, five branches and more than 100 agricultural service stations under the jurisdiction of the Anshun Branch of Guizhou Bank have handled more than 10,000 medical insurance payments with a total amount of more than 4 million yuan, and have issued more than 200,000 third-generation social security cards. These measures have been implemented to facilitate the public, win the hearts of the people, and gain recognition.
At the same time, the Anshun Branch of Guizhou Bank has comprehensively upgraded its elderly-friendly service measures, creating an "Elderly Customer Love Station," upgrading six elderly-friendly service facilities, optimizing three types of elderly-friendly service standards, and promoting exclusive services for the elderly. It has set up barrier-free passages, provided volunteer services to answer questions for the elderly, equipped with loving seats and low-position form-filling platforms, providing safe and worry-free passage services for elderly customers, and providing warm drinks and loving sugar-free breakfasts. In addition, it has organized special training for elderly-friendly services to improve the service skills of employees and provide elderly customers with high-quality and efficient service experiences.
As a bank that reaches and serves customers at the "last mile," providing more convenient electronic and automated services for financial consumers has also become a required course for digital transformation.
The Anshun Branch of Guizhou Bank has vigorously promoted the construction of intelligent hall services in outlets, achieving full coverage of intelligent teller machines in 20 outlets, and has made great efforts to create an online banking service platform. Through mobile banking, online banking, and other channels, customers can handle business anytime, anywhere, with the electronic channel transaction substitution rate exceeding 80%. At the same time, it has integrated financial services into the daily life of Anshun citizens, building customized financial scenarios such as bank-medical and bank-government, making Guizhou Bank's financial services "within reach and ubiquitous."Promoting the evolution of traditional businesses towards "digital intelligence and online" directions, the Anshun Branch of Guizhou Bank has established an intelligent micro-loan platform, launching digital inclusive micro-loan products such as "Business Quick Loan" and "Qian Quick Loan". By employing advanced technologies such as facial recognition, Optical Character Recognition (OCR), big data analysis, and cloud computing, the platform optimizes and perfects online micro-loan products like "Tax Easy Loan", "Settlement Loan", "One Code Loan", "Tobacco Merchant Loan", "New e-Loan", and "Online Personal Housing Mortgage Loans", effectively enhancing customer experience and new quality productivity. Driven by digital technology and data application, the bank transforms agricultural services, creates an agricultural platform, and achieves full lifecycle management of agricultural data from generation, processing, to application. This promotes the refinement of the bank's agricultural service stations and rural customer management, injecting new digital financial momentum into rural revitalization.
PART.O4 Inclusive Directness, Agricultural Services Show Warmth
"In the past, to withdraw money, I had to take a bus to the bank branch in Bangdang Town, which is 15 kilometers away. The journey was long and inconvenient. Since Guizhou Bank established an inclusive financial comprehensive service station in the village, I can now withdraw money by just walking a few steps to Wenqi Supermarket," said a villager from Tonghe Village, Bangdang Town, Ziyun Autonomous County.
Guizhou Bank adopts the "bank + company + station master" development model, focusing on service decentralization and practicing the people-oriented nature of inclusive finance. It opens "rural inclusive financial service stations" in rural markets, continuously providing rural residents with services such as small amount withdrawals, cash remittances, transfer remittances, agency payments, subsidy disbursements, mobile banking, bank cards, third-generation social security cards, QR code signs, and inquiries for social security, medical insurance, and utility bill payments.
As of the end of August 2024, the Anshun Branch of Guizhou Bank has signed contracts for 205 agricultural withdrawal points and opened 169 of them, covering 62 towns, 9 street offices, and 167 administrative villages. It has accumulated credit files for 19,369 farmers, issued loans of 1.08 billion yuan, benefiting 5,710 farmers. It has added more than 80,000 new mobile banking customers in the rural market, with over 100,000 rural customers enjoying convenient services such as small amount withdrawals, transfer remittances, and agency payments at their doorstep. A total of 121,700 transactions have been processed, with a transaction amount of 332 million yuan. Inclusive financial services have achieved full coverage at the township level, and intelligent financial terminal devices have reached all village levels.
Next, the Anshun Branch of Guizhou Bank will actively leverage its geographical and interpersonal advantages, information symmetry, and fast service to innovate financial products and promote the development model of "one village, one policy, one village, one specialty". It will meet the growing financial service needs of rural financial consumers at multiple levels and turn comprehensive service stations into "neighborhood small stations" for rural residents to trust and be satisfied with for inclusive financial services.
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