On the evening of August 30, Cui Yong, vice president of the Agricultural Bank of China, said at the 2021 interim results conference that the retail business is the strategic basic business of the Agricultural Bank of China, and it is also the business with the characteristics and advantages of the Agricultural Bank, and the Agricultural Bank of China is very concerned about the healthy development of the retail business. In the second half of the year, the competitiveness of the retail business lies in customer service, wealth management, channel and technology, and the ability to acquire customers in bulk. In the future, ABC will continue to focus on national strategies, market trends and customer needs, and continue to promote the development of intelligent, integrated and inclusive retail business.
Specific measures include the following six aspects. The first is to strengthen the refined service of customers, according to the characteristics and needs of customers, further subdivide the existing shops according to the star rating, and match the differentiated star rights, continue to make good use of digital tools, and create an efficient, convenient, intelligent and accurate new financial service experience for customers.
The second is to actively meet the needs of customer wealth management, will continue to deepen cooperation with head companies, accelerate the construction of a full spectrum, diversified, high-quality wealth management product shelf, and at the same time will carry out the training and empowerment of wealth management teams, and comprehensively improve the service capabilities of customer asset allocation.
The third is to improve the omni-channel service capability, relying on digital empowerment, in-depth promotion of outlet transformation, improve the efficiency of outlet marketing, strengthen the coverage of outlets in new urban areas, urban-rural junctions, economically strong towns and areas with urgent financial needs, and at the same time strengthen the overall effectiveness of online channels with palm banks as the mainstay, micro-banks, and remote banks as the supplement, highlight the construction of high-frequency scenes, and accelerate the integration of online and offline development.
The fourth is to increase the ability to obtain customers in batches, continue to deepen the services of the five major construction groups and migrant workers, accelerate the landing of total cooperation projects in the field of self-use vehicles, commercial vehicles, construction machinery and licensed financial institutions, strengthen the supply of retail sources, and focus on paying wages on behalf of the company, promote the improvement of the quality and efficiency of batch customer integration services, and continuously expand the scale of the company's linkage customer base.
The fifth is to strengthen technology and data empowerment, strengthen data processing, data mining and data application, give full play to the role of digital transformation infrastructure in retail marketing, and do a good job in system construction and promotion.
The sixth is to improve the professional service capabilities of the retail team, accelerate the professional capabilities of management personnel, focus on improving the professional service capabilities of account managers, and strengthen the overall performance of product managers and data analysts, quickly innovate products, quickly optimize business processes, and greatly improve customer experience.
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