Coming to Brother Li’s fruit shop in Chenyang Community, Dingyuanzhai Town, Guanxian County, Shandong Province, there is an endless stream of customers buying fruits. The fruit in Brother Li’s shop is not only complete in variety and bright in color, but most importantly, every kind of fruit They are all carefully selected by Brother Li. “The people who come to buy the fruit are the neighbors. In doing business, not only the price must be fair, but also the trust of the big guys in me.” Brother Li said to the staff of the Rural Commercial Bank who came to visit while weighing the fruit for the customers.
In the early years, Big Brother Li only set up a stall at the gate of the community to sell fruit, but due to space constraints, the stall had to be closed in a hurry when the weather was late or in bad weather, and a large part of the residents of the community worked in other towns and tended to get off work. Late, resulting in fruit sales have not been up. Brother Li discussed with his family and decided to rent a store in the community. After several months of investigation and site selection, he finally rented a store near the gate of the community. Brother Li carefully renovated the storefront and bought a new batch of fruit. In less than half a year, he has accumulated a group of loyal customers. Because of the high quality of the fruit and the high cost performance, some fruit shops have also started to buy from him. With the increasing sales of fruit, a large amount of fruit inventory needs to be stored in a special cold storage, otherwise it is easy to break. As a result, Brother Li rented a site and was preparing to build a new cold storage room. There was a funding gap of about 200,000 yuan, which made Brother Li, who was short of liquidity recently, frowning.
Recently, Runchang Rural Commercial Bank launched a stagnant marketing campaign in the Chenyang community, specially inviting community customers and merchant representatives to hold an on-site publicity meeting. After learning about Li’s business situation, the bank’s account manager immediately It matched a “guaranteed e-loan” of 200,000 yuan. The loan product has simple procedures and can be used cyclically. Both husband and wife can sign the loan, and the longest credit extension can be up to 3 years. Moreover, Big Brother Li is the bank’s first loan individual industrial and commercial households, and can enjoy preferential interest rates, which can save a lot of interest. With the loan of 200,000 yuan, Brother Li not only built a new cold storage room, but also purchased a batch of fruit, and more and more fruit retailers have begun to purchase goods here. “Thanks to Rural Commercial Bank’s ‘guaranteed e-loan’, it not only solved my financial problem in building a cold storage, but also increased my income a lot. Rural Commercial Bank is really a neighbor bank for our people.” Influenced by Brother Li, his upstream and downstream customers have become loyal customers of the bank under the recommendation of Brother Li. Over time, customers who deal with Big Brother Li have used the mobile banking and collection codes of Rural Commercial Bank, and more and more customers have “guaranteed e-loan” lines of credit.
In recent years, Runchang Rural Commercial Bank has given full play to its role as the main force in local finance, always adhered to the original intention of “supporting agriculture and small schools”, firmly established a customer-centered service concept, and vigorously promoted the “three meetings”. “One Short” marketing service model, optimize credit services, simplify loan processing procedures, improve review and approval efficiency, increase support for individual industrial and commercial households, continuously expand the scope of financial services, improve the quality and efficiency of financial services, and help individual industrial and commercial households become bigger and stronger . As of the end of March, the bank had issued a total of 2,958 guaranteed e-loans with a total value of 330 million yuan.
(Kong Dexing)