Since 2022, Changyi Rural Commercial Bank has closely followed the deployment requirements of provincial and municipal federations, strengthened merchant marketing services, strengthened data integration and analysis, and continuously improved the quality and efficiency of aggregated payment business development services. As of August 24, 2022, the bank had aggregated 23,000 payment merchants, an increase of 2,400 from the beginning of the year, and retained an average daily balance of time deposits of 540 million yuan.
Accurate analysis, strengthened training, and achieved the expansion of aggregated payment merchants. Carry out hierarchical and classified management of existing merchants, comprehensively consider factors such as product activation, fund retention, loan credit, etc., formulate a merchant quality and efficiency evaluation form, describe an accurate portrait of the merchant, and establish a merchant WeChat group based on different business needs to understand the merchant , become familiar with merchants, and use the intelligent e-connection system to send text message reminders to merchants to provide precise services; carry out special training on service skills, focusing on how to open business, how to check the flow, how to remind the account, etc. We produced "Ten Questions and Answers on Aggregated Payment Business" and "Merchant Usage Clear Paper" based on the issues we are concerned about, conducted visits to merchants along the street, and standardized service processes to improve merchants' comprehensive demand-solving capabilities; focusing on the professional market and group Customer concentrates human and material resources, focuses on publicity and breakthroughs, and enhances merchant experience by launching preferential activities such as no handling fees for new aggregation payments and free voice speakers for high-quality merchants.
joint marketing and business integration provide merchants with a package of comprehensive services. Cooperated with Alipay to jointly carry out special marketing activities for red envelope codes, customized special code plates for the event, a total of 130 marketers participated in the event, 2,700 merchants participated in the event, and merchants reported 13,000 yuan in red envelopes; cooperated with WeChat to launch the "Children's Happy Season", "Agricultural and Commercial Discount Month", "Back to School Season" and other discounts for full payment 200 high-quality merchants within the jurisdiction were selected to participate in the activity, with a cumulative transaction amount of 2.4 million yuan; integrated payment was combined with mobile banking, non-inductive credit and other services, and the use of mobile banking to self-pay Zhongbai distribution fees, natural gas fees and other expenses Provide preferential rate policies to merchants, and at the same time explore the credit needs of merchants, and loan officers will conduct door-to-door matching. Through business integration, a total of 1,500 new active mobile banking users and 220 new loan credit users were added.
Increase revenue and reduce expenditure, reduce costs and increase efficiency, and promote the healthy development of aggregate payment business. For merchants participating in Alipay marketing activities, the transaction fee for a single transaction of less than 200 yuan is reduced, which truly reduces fees and benefits for merchants. A total of 100,000 yuan in small transaction fees are reduced; actively participate in the promotion of the automatic adjustment system for merchant rates of the Municipal Association, according to The amount of time deposit funds retained by the merchant in the current month will be given as a free transaction fee limit for the next month. Give full play to the system's contribution to merchants and cost reduction, so that merchants who actually use it can enjoy benefits. The first batch of merchants to use the system is 14,000; a whitelist system has been established to target merchants with large user groups or public service merchants such as education, medical care, and transportation. , conduct whitelist management, implement one household, one consultation, to meet the needs of merchants in different industries. Through the flexible application of various policies, the bank's handling fee expenses dropped by 770,000 yuan compared with the same period, achieving cost reduction without reducing quality, and increasing efficiency and services.
