从保障资金融通角度来看，银行可在多个关键环节发力。未发生自然灾害时，应加大对农业基础设施建 设的信贷投放力度，防患于未然，支持高标准农田建设，完善农田水利灌溉设施，加固农业大棚等生产 设施，增强农业生产抵御自然灾害的能力。通过提供低息、长期的专项贷款，帮助农业企业和农户改善 生产条件，从根源上降低灾害风险。在易涝地区支持相关机构建设高效排水系统，有效避免农田内涝对 农作物的损害。 一旦发生自然灾害，银行可及时开辟金融服务绿色通道，简化救灾贷款审批流程，提高贷款发放效率， 确保受灾农户和农业企业能迅速获得资金，用于抢救受灾农作物、修复受损设施等抗险救灾和灾后重建 工作。同时，对受灾严重、还款困难的客户，灵活采取贷款展期、调整还款计划、减免利息等措施，帮 助他们缓解资金压力，渡过难关。比如，在台风、暴雨等灾害发生后，及时为受灾主体提供应急资金， 让他们尽快恢复生产，减少损失。 尤其在灾后重建方面，银行应加大信贷支持力度，提供重建专项贷款；帮助农户和农业企业重新购置种 子、化肥、农药等生产资料，恢复农业生产；针对受灾地区特色农业产业，制定专属金融服务方案，助 力产业恢复和发展，增强农业产业韧性。 从创新金融产品和服 ...

Core Insights - The importance of small and micro enterprises (SMEs) in China's economy is highlighted, with a significant increase in inclusive micro loans reaching 34.42 trillion yuan, a year-on-year growth of 11.6% [1] Group 1: Financial Support for SMEs - Zhejiang Shenzhou Agricultural Commercial Bank provided a 6.3 million yuan special loan to a small micro enterprise, Jinfei Electronics, facilitating its transformation and production efficiency improvements [2] - The bank implemented a "one customer, one file, one strategy" mechanism, assigning dedicated account managers to understand the unique needs of each enterprise [3] - Financial institutions in China are innovating service methods and optimizing credit structures to enhance support for SMEs, addressing their financing challenges [3] Group 2: Logistics Sector Support - Shandong Weishan Agricultural Commercial Bank provided a 400,000 yuan credit support to a logistics company, enabling it to expand operations significantly [4] - The bank established a rapid response mechanism for loan approvals, streamlining processes to enhance financing accessibility for SMEs [5] - The bank's innovative financial service model aims to create a three-way partnership between banks, merchants, and enterprises, ensuring tailored financial solutions [4][5] Group 3: Overall Impact on Economy - The financial support for SMEs is contributing to economic resilience and improving employment and living standards across the country [5]

Core Viewpoint - The financing environment for small and micro enterprises in China is gradually improving due to increased financial support and innovative policies, although challenges remain in certain sectors and regions [2][3]. Group 1: Current Situation of Small and Micro Enterprises - Small and micro enterprises play a crucial role in employment, improving livelihoods, and stimulating market vitality, but they face significant challenges in traditional financing due to their asset-light nature and lack of collateral [1]. - As of the end of May this year, the balance of inclusive small and micro loans reached 34.42 trillion yuan, reflecting a year-on-year growth of 11.6%, indicating a more accessible financing environment for these enterprises [2]. Group 2: Challenges and Areas for Improvement - Despite improvements, there is still considerable room for enhancing the financing environment for small and micro enterprises, particularly for early-stage technology companies that lack traditional collateral [2]. - Financial services in some rural and county areas still need to improve in terms of coverage and precision, highlighting the need for ongoing policy optimization to encourage lending [2][3]. Group 3: Recommendations for Financial Institutions - Financial institutions should leverage technologies like big data and blockchain to create comprehensive credit profiles for enterprises, addressing the issue of information asymmetry [3]. - There is a need for financial products to be better aligned with the specific needs of enterprises, such as "intellectual property pledge loans" for tech companies and "weather index insurance + loans" for agricultural businesses [3]. Group 4: Role of Government and Enterprises - Relevant departments should enhance risk-sharing mechanisms through fiscal subsidies, guarantee subsidies, and risk compensation to alleviate concerns for financial institutions, fostering a positive cycle of lending [3]. - Small and micro enterprises are encouraged to strengthen their internal management, improve financial practices, and enhance creditworthiness to boost their financing capabilities [3].

Core Insights - The article highlights the successful collaboration between a small paint company in Zhejiang and Nanjing Rural Commercial Bank, which provided a 2 million yuan "micro-flow loan" without requiring property collateral, showcasing the effectiveness of the national credit information sharing platform for small and micro enterprises [1][3] Group 1: Company Overview - The paint company specializes in the research, production, and sales of water-based UV coatings and has established a stable customer base in the furniture coating market in Jiangsu and Zhejiang provinces [1][2] - The company plans to expand its production scale and enhance its R&D capabilities in 2024, targeting a revenue of 15 million yuan and a net profit of 2 million yuan, indicating strong growth potential [2] Group 2: Financial Support and Innovation - Nanjing Rural Commercial Bank utilized the national credit information sharing platform to gather comprehensive data on the company, including registration, tax, social security, and utility payments, which helped in assessing the company's financial health and creditworthiness [2] - The bank's innovative "micro-flow loan" product aims to support "light asset" manufacturing enterprises by converting soft information such as operational stability and industry reputation into quantifiable credit metrics, thus overcoming the traditional reliance on collateral [3]

Group 1 - The core strategy of strengthening the domestic circulation is essential for stable and sustainable economic growth, with banks playing a crucial role as a financial hub [1] - Banks have significant opportunities to innovate consumer finance products, such as "education enhancement loans" for vocational training and "travel loans" for tourism enthusiasts, to meet diverse consumer needs [1] - Collaboration with e-commerce platforms, offline retail businesses, and cultural tourism organizations is vital for creating diverse consumption scenarios and stimulating both online and offline consumption [1] Group 2 - New quality productivity serves as both an "accelerator" for strengthening domestic circulation and a "core engine" for activating endogenous growth, necessitating innovative financial service models from banks [2] - Banks should provide long-term, low-interest loans to emerging industries to support technological research and development, and offer intellectual property pledge loans to technology-driven companies facing financing challenges [2] - Active participation in optimizing and upgrading industrial and supply chains is essential, with banks providing comprehensive financial services to core enterprises and supporting small and medium-sized enterprises in the supply chain [2] Group 3 - Banks must leverage their advantages by driving innovation and focusing on service to contribute to economic stability through promoting consumption, supporting investment, and optimizing supply chains [3]

Group 1: Financial Support for Small and Micro Enterprises - Guangdong Fengwei Intelligent Technology Co., Ltd. faced challenges in obtaining secured loans due to a lack of effective collateral, leading to a customized loan solution from Nanhsiung Rural Commercial Bank, which provided a credit financing of 5 million yuan [1] - Nanhsiung Rural Commercial Bank has issued nearly 9 billion yuan in small loans over the past six years to support small and micro enterprises [1] Group 2: Green Finance Initiatives - Nanhsiung Rural Commercial Bank supported local rice farmer Qiu by including expected carbon credit income as collateral, enabling a loan of 100,000 yuan to purchase agricultural inputs [1] - The bank has issued a total of 1.058 billion yuan in green loans over the past six years [1] Group 3: Elderly Financial Services - The bank launched the "Xiongcheng Filial Piety Loan" series to meet various elderly service needs and conducted nearly 80 anti-fraud promotional activities, reaching over 20,000 people [2] - The introduction of the "Yue Zhi Zhu" self-service machine has facilitated pension certification for local residents, saving time and effort [2] Group 4: Support for Technology Enterprises - Nanhsiung Rural Commercial Bank provided a credit limit of 10 million yuan to a local biotechnology company after overcoming challenges in financing assessment due to the sector's complexity [3] - The bank has issued a total of 330 million yuan in credit support to 26 technology enterprises as of June this year [3]

仓廪实，民心安。国家统计局近日发布的数据显示，2025年全国夏粮产量2994.8亿斤，总体保持稳定。 国家统计局农村司副司长魏锋华在解读数据时表示，2025年我国夏粮实现稳产丰收，为稳定全年粮食生 产奠定了坚实基础，为应对复杂严峻的国际形势、推动经济持续回升向好提供了有力支撑。 粮食丰收的背后，与金融机构从农田建设、粮食收购等全链条支持分不开。特别是在夏粮主产区的中国 人民银行分支机构落实总行政策，引导辖内金融机构优化金融服务，积极对接融资需求，为夏粮稳产丰 收注入金融动能。 保障颗粒归仓 今年以来，各地金融机构以有力的举措、优质的服务，持续为夏粮收购工作提供坚实的金融保障，助力 粮食收购工作顺利进行，确保颗粒归仓。 在河南，中国人民银行河南省分行今年以来累计投放支农支小再贷款377.4亿元，降低金融机构资金成 本，引导其向夏粮收购等领域投放优惠利率贷款，降低新型农业经营主体信贷资金成本。 在河北，中国人民银行河北省分行组织金融机构深入摸排、科学测算。农业发展银行河北省分行提前开 展企业评级授信调查工作，今年夏收以来，已投放小麦收购贷款44.54亿元，支持收购小麦32.3亿斤， 以"钱等粮"推动"粮归仓"。 ...

农商银行作为县域金融主力军，面对农村金融场景日益复杂化和消费者需求不断升级的挑战，如何降低 投诉率，提高人民群众满意度？ 二是客户对金融产品透明度的要求已从简单费率公示转向全周期信息披露，然而，农商银行传统服务模 式在应对这种需求时显得力不从心。 三是金融消费者对服务响应速度的期待已从传统"T+1"模式升级为实时交互标准，而现有系统架构难以 支撑秒级响应的服务需求。投诉处理过程中，客户不仅要求流程透明可追溯，还渴望得到充满人情味的 沟通，这种双重诉求对农商银行服务体系灵活性与人文关怀提出考验。 笔者认为，应综合分析消费者投诉规律，探寻优化发展路径，以合规为基础、市场为导向、发展为目 标，构建包括基层服务下沉、投诉处置规范化、督导培训长效化、宣教阵地建设、人才体系培育和奖惩 制度激励在内的系统化工作格局，打造覆盖服务优化、流程规范、普法宣传等全链条机制，着力提升消 保质效，促进社会和谐和农商银行高质量发展。 客户投诉成因分析 从监管政策演进脉络审视，监管机构正不断强化对金融创新的监管，以确保金融消费者权益得到保护。 在《银行保险机构消费者权益保护管理办法》等监管框架加速迭代的政策调整期，基层网点执行《银行 业保 ...

Financial Support for High-Quality Development - The People's Bank of China (PBOC) in Sanming has implemented financial services to support the high-quality development of revolutionary old areas, focusing on traditional industrial transformation, rural revitalization, and green development [1] - Since 2021, the PBOC has provided a total of 12.141 billion yuan in preferential funds, significantly boosting local economic development [1] - As of June 2023, the total loan balance in Sanming reached 266.56 billion yuan, with an increase of 96.734 billion yuan since the beginning of 2021, representing a growth rate of 52.86% [1] Support for Manufacturing Upgrades - Fujian Keda New Energy Technology Co., Ltd. is expanding its production capacity with a new production line for graphite anode materials, supported by a 100 million yuan loan from Industrial Bank Sanming Branch [2] - The loan benefits from a two-year 1% fiscal interest subsidy, reducing the financing cost for the company [2] - Since 2021, the total amount of policy-based preferential loans for technology and equipment upgrades in Sanming has exceeded 4.386 billion yuan, with a loan balance for the manufacturing sector reaching 38.969 billion yuan, an increase of 23.526 billion yuan, or 152.5% [3] Financial Support for Rural Revitalization - Fujian Liusan Seed Industry Co., Ltd. received a 30 million yuan loan from Agricultural Bank of China Sanming Branch to support its operational cash flow during the peak sales season [4] - The loan has a favorable interest rate of 2.9%, significantly lowering the company's financial costs [4] - Since 2021, the total amount of agricultural support loans issued in Sanming has reached 5.416 billion yuan, benefiting over 13,500 agricultural entities [5] Green Finance Initiatives - Sanming has a forest coverage rate of 77.12%, which supports its ecological advantages and the development of green finance [6] - The introduction of "Fulin Tickets," which are income rights certificates based on forest management, aims to promote large-scale forestry operations and attract social capital [6] - The first batch of "Fulin Tickets" was issued in early 2023, covering 20,000 acres of forest with a total value of 12.031 million yuan [6][7]

近日，浙江农商联合银行辖内嘉善农商银行向东方长光健康科技（嘉兴）有限公司成功发放100万元科 创孵化贷，这笔贷款不仅是嘉善农商银行首笔"科创孵化贷"成功落地，更是该行以"五专五联"科技金融 体系助力科技成果转化的一次生动注脚。 "科创孵化贷是我行面向本地各级孵化器园区、加速器园区、创新科研实验室内科技型小微企业推出的 专项金融产品，旨在为初创期科技型企业提供科研创新方面的资金支持。"嘉善农商银行科创金融事业 部负责人计莫忧向记者介绍，这款产品以信用担保方式为主，最高融资额度可达300万元，利率优惠， 可有效满足初创企业前期的资金需求。 记者了解到，科创孵化贷只是该行科技金融产品中的代表产品之一，近年来，该行以"科创指数贷"为核 心，打造多层次、多维度科技金融产品生态，纵向覆盖企业成长三大阶段：初创期用"科创孵化贷""科 创共担贷""人才贷"助力破土，成长期用"小微成长贷""科技成果转化贷"携手共进，成熟期用"投贷联 动""认股选择权""科创精英贷"推动发展。截至今年6月末，该行贷款支持辖内科技型企业635户、贷款 余额86.01亿元。 （文章来源：证券日报） "嘉善农商银行这笔资金为我们小微企业发展提供极大帮 ...