与众多农村中小金融机构一样,作为“全国支农先进单位”的江苏兴化农村商业银行(以下简称农商行)也一直面临着如何解决贷款营销与风险防范、服务效率与经营成本、流程规范与个性服务“三个统一”的棘手难题。怎样做才能有效解决贷款营销与风险防范难统一、服务效率与经营成本难匹配、流程规范与 Like many small and medium-sized rural financial institutions, Jiangsu Xinghua Rural Commercial Bank (hereinafter referred to as ABC), as “the country’s advanced unit of supporting agriculture,” has also been facing the problem of how to solve the problem of loan marketing and risk prevention, service efficiency and operation cost, and the process Standard and individual service “Three Uniform ” difficult problem. What can be done to effectively solve the problem of unification of loan marketing and risk prevention, difficulty in matching service efficiency with operating cost,