Piao of transition of ask the way " does modes of life and relation to their environment of Pu Hui_News

Piao of transition of ask the way " does modes of life and relation to their environment of Pu Hui banking serve a group " how to build? ! Decode Xuzhou copper hill farming merchant bank " E does not have care all right " big step bureau

Introduction

"Of Internet times ' zoology ' how to build? The key is compose builds mobile interconnection platform, ' inside administer ' economic progress natural resources and main body element, attract come in, the finance that implementation covers completely serves a butt joint. It is zonule, open, include, symbiosis in all of flourish, be ' industry, finance, market, the people's livelihood ' of quaternity, it is group of service of modes of life and relation to their environment of benign and interactive Pu Hui banking. " the Luo Xinchao that has strategic eye extremely, already sadly below cloth one dish of big step: With " platform " for strategic hub, build enclothe whole town, grow continuously " modes of life and relation to their environment of banking of benefit of mobile interconnection general is encircled " , last with this hill of copper of Xuzhou of promotion, aggrandizement competition ability of core of farming merchant bank.

Current, "E does not have care all right " business door is entered be stationed in a respect, enclothe citizen garment, feed, live, row, into be stationed in business door 2937, trade the frequency is achieved one hundred and twenty-three thousand one hundred times, implementation precipitation deposits money 1.195 billion yuan, drive 40 years old of the following clients relatively on one hundred and ninety-six thousand four hundred increase when the line, exceed integral client increase rate 26.63 percent.

Author:

Hu Hong of Zhang Yongle of Liu Xiaocui of reporter of China collaboration times leaves

Xuzhou copper hill farming merchant bank, be located in Xuzhou city copper a mountainous area, the outskirts of a city that is a model goes, "Inside administer " region is vast, half city half countryside, bearing the weight of already farming area massiness is traditional, also bear is worn the city zone is brand-new future.

As Jiangsu system of company of province farming letter changes last times make scale of area of travel, Xuzhou the biggest, site the rural finance orgnaization with most, the widest service, she once package heavy, walking is hard, but in president Luo Xinchao is guided below, in recent years, farming merchant bank holds Xuzhou copper hill good luck, late come first, stand firm quickly in change, become transition to develop model.

Ceng Duo of reporter of China collaboration times hill of second development copper, the line that transition of farming merchant bank expands hill of copper of Xuzhou of seek by inquiry. On April 1, 2019, hill of reporter revisit copper, be in subsequently inside a few days, go around this " E does not have care all right " APP platform (the following abbreviation " E does not have care all right " ) , thorough observation -- we discover, provide the Luo Xinchao of strategic eye extremely, already sadly below cloth one dish of big step:

With " platform " for strategic hub, build enclothe whole town, grow continuously " modes of life and relation to their environment of banking of benefit of mobile interconnection general is encircled " , last with this hill of copper of Xuzhou of promotion, aggrandizement competition ability of core of farming merchant bank.

With spectator perspective, reporter discovery, exist objectively among them " 3 paces go " , be worth industry person of the same trade to draw lessons from.

The first pace: Build ecology group with platform

Build " zoology is encircled " , luo Xinchao is longed for day and night.

Luo Xinchao is recollected, on the class of a study 2014, "Finance + Internet " spark again he thinks deep. At that time, banking experience already had many attempts into Internet, but how ability base oneself upon is actual, carry out around overall strategy systematization, industry returns delicacy to have existing model. "I consider at that time, we should do ' finance + Internet ' , it is strategy of finance of benefit of ecology group, general, development certainly, be in harmony is an organic whole, provide life of promising place common people to offer tentacle to be able to get the ability that finance serves, have competition ability of persistent cohesive affinity, core. I need a breach. I need a breach..

Classics is careful plan, "Breach " opened 2016 eventually:

April, farming merchant bank starts Xuzhou copper hill formally " E does not have care all right " item of platform of service of mobile Internet life;

On October 28, "E does not have care all right " go up formally line;

On December 1, the board of directors is discussed through " E does not have care all right " platform of zoology of Pu Huijin be in harmony 3 years of strategies plan, hold water to be strategic group of the group leader with president.

So far, strategy of finance of benefit of ecology group, general, development, formal be in harmony is an organic whole, farming merchant bank greets cupreous hill " the strength that cites complete travel is built ' E does not have care all right ' " new era.

↑ graph is Xuzhou copper hill Luo Xinchao of president of farming merchant bank is in " E does not have care all right " the speech on the news briefing.

Look from strategic angle, "E does not have care all right " build modes of life and relation to their environment with platform, "Short-term strategy goal " basic implementation -- solve the market and client problem: integrated market main body, perfected service function, formed get together passenger capacity, opened new phase of general benefit finance.

Be in civilian service respect, came true to include cost of pay of water and electricity, telephone bill to fill the value, Gao Tie that get ticket, sweep a code to multiply public transportation inside 19 kinds, function of 97 socialization life services, register an user seven hundred and fifty-nine thousand three hundred, among them " 3 farming " client group is occupied than amounting to 70% , sun all rises a client 300.

The field serves in finance, go up line " financial supermarket " " money management " " the loan on the line " center of 3 big banking, rolled out in the light of platform user without care wealthy businessman treasure, manage without care borrow, the elite that do not have care is borrowed wait for setting kind loan product more than 10 kinds, accumulative total receives client business to apply for 12 thousand times, handle amount of 11 thousand business, accumulative total business successfully 1.144 billion yuan, roll out " accumulation fund E is borrowed " " credit E is borrowed " " sunshine E is borrowed " wait for product of the loan on 8 lines, accumulative total awards letter door to count 4324, the autograph restricts a number 3692, the autograph restricts amount 861 million yuan, accumulative total uses a letter 762 million yuan, loan remaining sum 446 million yuan, implementation interest income eleven million and forty thousand one hundred yuan.

↑ graph is Xuzhou copper hill farming merchant bank " E does not have care all right " scheme of platform page check.

The 2nd pace: Force with falling on the line the line finishs transition

Enclothe on the line ceaseless and whole town, rich perfect ecology group, go up objectively to serve the management that reachs financial server to finance, raised taller requirement, become " force " the main driving force that transition of farming merchant bank expands Xuzhou copper hill.

Make the best use of the circumstances, "E does not have care all right " on after line a few months, luo Xinchao begins to urge Xuzhou copper mount energetically farming merchant bank " 2 transition " .

Press his description, "2 transition " can generalize for:

It is a center with the client, it is with the market oriented, it is cornerstone with value, around " E does not have care all right " a masterstroke, implement old retail strategy and asset drive strategy " double axis drive " , straight face changes bureau, be brave in to change, advance the deepness innovation of management pattern deep, make new-style management system, innovatory business " qualitative, quantity " Qi Shengxin channel.

"The strategic concept that this needs to do away with a tradition in the round and management method, with more broader view, channel, lower cost, more the management of actor, higher science and technology, nicer talented person, thoroughly remould oneself weighs system of management of model our bank, " Luo Xinchao tells a reporter: "This transition, the line on the line leaves volley force, the line is driven to go up below the line, force the line falls again on the line. Among them, ' E does not have care all right ' it is masterstroke, perforative from beginning to end. So, the job of platform, I meet even can tell surely, meet the person talks surely! Meet the person talks surely!!

↑ graph is Xuzhou copper hill Luo Xinchao of president of farming merchant bank (left) accompany the State Council to develop Zhang Chenghui of former director of institute of research center finance (right) finance of benefit of general of farming merchant bank mixes hill of survey Xuzhou copper " E does not have care all right " platform.

Xuzhou copper hill a controller tells office of farming merchant bank the reporter: "President about ' E does not have care all right ' strategic conception, carried out complete travel every business in the heart of every every line, subbranch of a bank, employee. On the line, main body of busy comprehensive and integrated economy is entered halt, mutiple level perfect platform function, promotion finance serves function, form get together formidably passenger capacity; Below the line, criterion must hammer and tongs all-around the platform on butt joint line runs, include a tissue compressed change, flow recombines, change management, product to innovate subtly, etc, this organizes pattern of framework, management method, management to produce profundity to change all right completely with respect to drive. This organizes pattern of framework, management method, management to produce profundity to change all right completely with respect to drive..

Look from strategic angle, "E does not have care all right " force with falling on the line the line falls, "Metaphase strategy goal " accelerating implementation -- solve strategic transition problem: The operation below the line is transformed, channel upgrades replacement, transition changes in the round.

With " 2 transition " " old retail strategy " for exemple, "E does not have care all right " on line after a year, with " E does not have care all right " for masterstroke, " bank of the illicit credit, business intermediate, electron, little small credit " the old retail system that is drive shapes in the round. 2017, xuzhou copper hill retail loan increment, amplitude, client grows farming merchant bank 3 index, come true to surpass a company in the round first on the history kind loan, door all borrow money relatively the beginning of the year drops significantly, "Do small do medicinal powder " strategic transition target is tentative implementation.

The 3rd pace: Model core competition ability with big confluence

"E does not have care all right " be being modelled and aggrandizement core competition ability.

In Luo Xinchao eye, xuzhou copper hill the core competition ability of farming merchant bank, come from " it is a center with the client, it is with the market oriented, it is cornerstone with value " . "If you are accomplished truly,be a center with the client, the client also will be a center with you, this will be best result. This will be best result..

↑ graph is Xuzhou copper hill Luo Xinchao of president of farming merchant bank (in) thorough spot, understanding is passed " E does not have care all right " platform aids lotus root of Bai Lian of shallow water of force place high grade produce sale status.

Reporter discovery, to win " best result " , competition ability of ceaseless aggrandizement core, xuzhou copper hill farming merchant bank take root place, advance quickly " big confluence " :

With confluence of photograph of the people's livelihood. To accepting farmer, business door and customer, this is " E does not have care all right " basic content. For example, in support agriculture respect, go up line at the beginning of, adopt platform namely " agriculture is online " , help weak market business door is online sale characteristic vermicelli made from bean starch 20 thousand jins. Be in a travel field, make wisdom public transportation, accumulative total sweeps a code to take a car twenty-five million six hundred and seventy-five thousand three hundred times.

As public as the government service is shirt-sleeve. Xuzhou is Jiangsu province obtains information of national wisdom city, state exclusively to consume a city the city with two states pilot level, farming merchant bank grabs cupreous hill seize opportunity, active with " wisdom Xuzhou " the project spreads out collaboration, drive compose to build it is with the person this wisdom Xuzhou Hui Min serves a system. On Feburary 23, 2017, print and distribute of government of Xuzhou city people " municipal government office about advancing " wisdom Xuzhou " with " E does not have care all right " be in harmony serves wisdom of business collaboration construction Pu Huijin the announcement of platform " (Xu Zheng does hair [2017]24 date) , the mark is worn blend in public service to obtain significant progress.

↑ graph is print and distribute of government of Xuzhou city people " municipal government office about advancing " wisdom Xuzhou " with " E does not have care all right " be in harmony serves wisdom of business collaboration construction Pu Huijin the announcement of platform " .

With construction the area of economy of sea of the Huaihe River, radiate that enhances service center of banking of region of Xuzhou urban district drives action photograph confluence. This respect, hill of copper of reform developing Xuzhou farming merchant bank is advantaged, give a person with imagining a space indefinitely.

Look from strategic angle, "E does not have care all right " model core competition ability with big confluence, its " long-term strategy goal " it seems that can be expected soon -- solve can develop a problem continuously: Implementation produces butt joint of be in harmony, form the core competition ability that cannot replace, realize modes of life and relation to their environment of dynamic general benefit banking.

Apparent, in Luo Xinchao's blue print, "E does not have care all right " it is a dish of big step.

Her extraordinary, be pregnant with is infinite opportunity of survival.

She is not just " platform " .

She is Xuzhou copper hill of farming merchant bank now, also be Xuzhou copper hill the future of farming merchant bank.

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