The development and operation resources of rural commercial banks are inherently precious. The author communicated with the Internet Finance Department of a major bank. They had worked on more than 20 scenarios before, each of which had different goals. They were basically stagnant and became decorations, because there were not so many resources
invested in the operation of many scenarios. Rural commercial banks should be built around the most distinctive local scenarios, and they should have a corresponding operation team and set simple goals, such as the number of APP's monthly activities and transaction volume. For another example, the sms marketing service home care platform of Beijing Rural Commercial Bank, the Huiji Life of Jining Bank, and the Sun Market of Guangzhou Rural Commercial Bank are very distinctive—— On the one hand, these scenarios can obtain data on the consumption habits of
customers in the local economy and establish a membership rights system; on the other hand, they can promote the transformation of customers to high-value businesses such as loans and wealth management. You can't recommend a deposit or loan product that everyone has to your customers. There must be obvious differences and clear added value. 5. Rural commercial banks can strive for corner overtaking in the construction of digital banks. In the construction of digital banks,