"One body and two wings" construction. Agricultural Bank of China vigorously promotes the high-quality development of retail business, focusing on acquiring customers, retaining customers and living customers, adhering to compliance first, implementing the development strategy of "one body and two wings" (one refers to customers, and the two wings refer to big wealth management and digital transformation), comprehensively improving the customer management ability, business innovation ability and value creation ability of personal financial business, striving to build a "C-position" retail bank in customers' minds and promoting the construction of "one body and two wings". In order to further promote the development of retail business, China Agricultural Bank takes customer building as the main body, constantly consolidates the customer base, enlarges the customer scale, and provides intimate "housekeeping" service for customers. Innovatively launch a 7-star customer tiered service strategy, recommend more suitable products for different star customers, and provide differentiated services and rights. Create a customer star service area in pocket bank, and further enhance the customer experience with more intimate, thoughtful and convenient star service.