Unique marketing concept, store retail business model, focusing on community market positioning and so on.

First, the customer-oriented business philosophy

Ankuai Bank draws lessons from the service modes of hotels and retail industry, focusing on customers from environmental design to process setting, from customer relationship to internal management. Compared with other bank outlets, there are fewer cold counters, tables and chairs, and more bank staff walking around the hall and talking to customers at any time. They have received strict training to help customers deal with any business needs from account opening to cash withdrawal. The first retail outlet of Ankuai Bank, which they call "the first generation", has a special area in the lobby for people to read newspapers, a computer area for people to browse the Internet, and coffee is brewed in the store for people to drink for free. The goal of Ankuai Bank is to build a place to attract people to stay. They don't have to do banking, but communicate with each other here for social or business reasons.

Second, focus on the market positioning of the community.

The success of Ankuai Bank stems from its unique operation mode. As a community bank, Ankuai Bank wants to enhance its brand awareness. Their strategy is to focus on certain communities and occupy a place there. They don't win by scale, but for the convenience of customers. Ankuai Bank has identified several areas through careful analysis. These areas are places where people will walk to have breakfast or dinner, and there are no bank outlets with more than 65,438+0,500 square feet. Such a strategy makes its outlets in these areas integrate into people's daily life and become an indispensable part of the community.

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1, clear market positioning

In order to survive and develop in the fierce market competition, community banks should define the "differentiated" market positioning strategy, and form a complementary rather than competitive situation with big banks in the determination of business areas, the selection of target customers and the introduction of business varieties. The first is the geographical positioning of business. For cities, community banks can focus on the financial business of their cities and avoid homogenization competition with state-owned commercial banks; For rural areas, we should pay attention to filling the gap left by the withdrawal of big banks, and set up more points in rural areas and urban-rural fringe areas to seek development. Second, customer groups are located in small and medium-sized enterprises and ordinary residents in the region to fully meet their personalized financial needs.

2. Innovative network operation mode

With the rapid development of electronic banking, emerging channels are becoming more and more important sales and service channels for commercial banks, but physical outlets still play an irreplaceable role in promoting sales, meeting customers' personalized and differentiated financial service needs, increasing customer contact and improving customer experience. Ankuai Bank emphasizes face-to-face contact with customers and in-depth communication and interaction with customers, especially in the fields of debt business and financial service consulting that cannot be handled by electronic channels, and the role of physical outlets is always the same.