面对金融业改革发展的新形势与新要求，涟水农商银行深刻把握内部治理现代化这一关键环节，近日在 全行系统内部署开展"服务型、效能型、学习型、清廉型"四型机关建设。这是该行立足新发展阶段、推 动高质量发展的一项战略性举措，旨在通过内部机体的全面优化与升级，强化服务实体经济的能力，塑 造现代化农商行的崭新形象。 服务型机关：重塑"以客户为中心"的服务生态 清廉型机关：筑牢"以廉洁为底线"的发展根基 清廉是金融行业不可逾越的生命线。涟水农商银行将"清廉型"机关建设视为一切工作的基础保障。通过 持续加强理想信念和职业道德教育，筑牢员工思想防线；通过完善内控机制，强化对信贷审批、财务管 理等重点领域权力运行的监督制约，扎紧制度的笼子；更通过领导带头、以上率下，大力弘扬"以廉为 荣、以贪为耻"的清廉文化，严肃执纪问责，营造风清气正的政治生态，确保队伍纯洁、形象清正，为 全行稳健经营和可持续发展保驾护航。 涟水农商银行董事长董建中表示，"四型机关"建设是一项长期的系统工程，更是该行迈向现代化金融企 业的内在要求和必然选择。全行上下将以坚定的决心和务实的行动，持续推进"四型机关"建设走深走 实，以此激发内生动力与竞争活力，全面提 ...

Core Insights - The report highlights that Jiangsu Province is experiencing its first zero growth in permanent population, with a slight rebound in birth rates and a notable increase in the elderly population, particularly among younger seniors aged 60-64 [1][2][3] Population Trends - By the end of 2024, Jiangsu's permanent population is projected to remain at 85.26 million, marking a zero growth compared to 2023 [2] - The birth rate is expected to increase to 426,000, up by 17,000 from 2023, marking the first rise since 2016 [2] - The elderly population aged 60 and above will reach 21.75 million, accounting for 25.5% of the total population, which is 3.5 percentage points higher than the national average [2] - The population aged 65 and above will be 15.94 million, representing 18.7% of the total, exceeding the national average by 3.1 percentage points [2] Silver Economy Development - Jiangsu is actively promoting the silver economy as a response to population aging, focusing on high-quality development in sectors such as elderly product manufacturing, elderly care services, and anti-aging industries [3] - The government has introduced a plan to accelerate the development of over ten specific areas within the silver economy, with 19 units applying to establish silver economy characteristic parks [3] Elderly Care Services - Jiangsu has developed a comprehensive elderly care service system that integrates home, community, and institutional care [4] - The province has established over 8,000 elderly meal assistance points, serving 1.356 million seniors [4] - A total of 1.8 million home community care service stations have been built, covering 85.7% of the elderly population, providing services to 3.7 million seniors [4] Institutional Development - There are currently 2,240 operational elderly care institutions in Jiangsu, with 41 classified as level five institutions, the highest in the Yangtze River Delta region [5] - The province has over 60% of its 60,700 caregivers certified through vocational skills recognition [5] Medical and Elderly Care Integration - Jiangsu is promoting the integration of medical and elderly care services, with 89 secondary and above elderly hospitals and 432 nursing homes established [6] - More than 97% of public hospitals at the secondary level or above have set up geriatric departments [6] Age-Friendly Society Initiatives - Jiangsu is advancing the construction of an age-friendly society, focusing on both hardware and software improvements [7] - The province has achieved a 100% compliance rate for the construction of elderly care facilities in new residential areas [7] - Over 1,000 barrier-free public transport stations have been newly built or renovated, with more than 17,000 low-floor buses in operation [7] Support for the Elderly - Jiangsu has established 2,804 age-friendly medical institutions, providing priority services for seniors [8] - A total of 2.08 billion yuan has been allocated for respect-for-the-elderly funds, benefiting 3.32 million seniors aged 80 and above [8] - Legal aid services for the elderly have been expanded, with nearly 8,000 cases handled [8]

Core Insights - The company has focused on serving the real economy, achieving significant growth in loan balances and supporting local economic development [1][3] Group 1: Financial Performance - As of the end of Q3, total loan balance reached 21.171 billion, with a net increase of 1.489 billion, representing a growth of 7.57% since the beginning of the year [1] - The balance of loans to the real economy was 17.049 billion, with a net increase of 0.768 billion, reflecting a growth of 4.72% [1] Group 2: Marketing Strategies - The company has implemented targeted marketing strategies, including special marketing plans for retail and corporate clients, incentivizing cooperation through rewards and interest rate discounts [1] - A system for visiting key existing clients has been established, with staff required to visit at least five clients weekly, transitioning from single service cooperation to comprehensive service binding [1] Group 3: Client Acquisition and Management - The introduction of a client referral mechanism has enhanced the company's ability to attract new clients, creating a positive cycle of growth [2] - The company has focused on converting existing clients into new acquisition channels by integrating social media tools, thereby establishing a sustainable business development foundation [2] Group 4: Support for Private Enterprises - The company has increased support for private enterprises, resulting in a growth of 65 new clients and a loan balance increase of 0.144 billion, addressing the financing challenges faced by these businesses [3] - An innovative renewal model for existing mortgage loans has been introduced, categorizing clients based on default risk and providing tailored renewal plans to alleviate financial pressure [3] Group 5: Future Outlook - The company plans to continue enhancing its services and initiatives to support the real economy, positioning itself as a key facilitator for local economic development [3]

Core Insights - Jianhu Rural Commercial Bank has successfully developed and launched the "DeepSeek Intelligent Assistant," a smart data model that covers comprehensive business knowledge and regulatory documents, enhancing the bank's digital transformation and intelligent support capabilities [1] Group 1: Intelligent Data Model Development - The "DeepSeek Intelligent Assistant" utilizes localized deployment of the DeepSeek-R1 model, along with technologies such as Ollama, Dify, and Text Embedding, ensuring data security while providing robust support across various banking functions [1] - The model aims to facilitate high-quality development towards digitalization and intelligence within the bank [1] Group 2: Credit Assistance - In the area of credit assistance, the "DeepSeek Intelligent Assistant" integrates credit policies and documentation, leveraging knowledge graphs to instantly understand and accurately respond to various credit-related inquiries [1] - This capability enhances the efficiency of customer managers by precisely locating the source of answers [1] Group 3: Compliance Management - For compliance management, the "DeepSeek Intelligent Assistant" has established a compliance knowledge base by incorporating all institutional regulations, enabling the generation of compliance question banks through the intelligent assistant [1] - This transition from manual question generation to intelligent generation promotes employee learning and adherence to compliance standards [1]

Core Viewpoint - The "Su Garden" at the Global Women's Summit in Beijing serves as a significant showcase of traditional Chinese architectural culture, integrating ancient Suzhou garden art with modern construction techniques, and has received widespread acclaim from international guests [1][2]. Group 1: Design and Construction - The "Su Garden" covers an area of approximately 3,000 square meters and is designed with the concept of "mountains, water, forests, and gardens, showcasing the beauty of China" [1]. - The garden features an overall layout of "one scroll and three scenes," with a central focus on water and themes such as "Phoenix Comes with Grace," "High Mountains and Flowing Water," and "National Color and Fragrance" [1]. - The construction utilized traditional craftsmanship from the Xiangshan Gang, a national intangible cultural heritage, led by representative inheritors, showcasing the meticulous techniques of woodwork, masonry, and stonework [1][2]. Group 2: Modern Integration and Challenges - The project faced challenges related to structural load, waterproofing, and plant selection, which were addressed through innovative techniques such as lightweight planting soil and multi-layer waterproof systems [2]. - "Su Garden" exemplifies the successful integration of traditional craftsmanship with modern technology, demonstrating the adaptability and vitality of Xiangshan Gang building techniques in contemporary settings [2]. Group 3: Cultural Significance - The garden acts as a condensed "intangible cultural heritage museum," featuring elements like ancient kiln bricks, hand-carved stone sculptures, and traditional Suzhou embroidery, reflecting the beauty of traditional culture [2]. - The successful implementation of the "Su Garden" project is seen as an effective means of protecting and actively passing on the Xiangshan Gang's heritage, highlighting the ongoing cultural value and broad application prospects of traditional building techniques in modern society [2].

Group 1 - The core point of the news is that Industrial Bank's Nanjing branch successfully provided a loan of 42 million yuan to a Jiangsu-based medical material technology company to support its production of 24,000 tons of hot air non-woven fabric annually, enhancing the high-end manufacturing capabilities in Jiangsu [1] - The medical material technology company is recognized as an "invisible champion" in the domestic hot air non-woven fabric sector, collaborating with top domestic and international brands and holding a significant market position [1] - The demand for high-end medical materials is experiencing explosive growth, prompting the company to expand production to meet market needs, despite facing challenges such as high fixed asset investment and long equipment delivery cycles [1] Group 2 - The loan is part of a broader strategy by Industrial Bank to support the manufacturing sector, specifically categorized under the bank's medium to long-term loan subsidy list, which helps reduce financing costs for the company [2] - Industrial Bank plans to continue increasing resource investment in advanced manufacturing and green low-carbon sectors, aligning with Jiangsu Province's "1650" industrial system construction [2]

Core Insights - Hangzhou Fanmo Technology Co., Ltd. has signed an agreement to settle in Hangzhou Future Science and Technology City, aiming to transition from a startup to a national high-tech enterprise within five years [1] - The company will utilize a 80㎡ research and office space, focusing on three main areas: intelligent health streaming media, AI graphics, and medical data processing [1] - Fanmo Technology plans to establish a research team of at least 20 members within the next twelve months, with a minimum of 60% holding master's or doctoral degrees [1] Financial and Policy Support - The agreement includes a comprehensive support package from Hangzhou Xukun Entrepreneurship Service Co., Ltd., which offers 100% rent subsidy for the first three years and 50% for the following two years [1] - Newly recruited doctoral graduates will receive a living subsidy of 100,000 yuan, with additional incentives for long-term insurance and rewards for graduates from top 100 QS universities [1] - High-level talents from abroad can receive up to 1 million yuan in relocation subsidies, along with benefits for children's education and medical care [1] Company Development Goals - Since its establishment in February 2025, the company has developed four software copyrights and filed three patents in the AI and medical information sector [1] - The company anticipates that R&D investment will exceed 50% of its revenue by 2025, meeting the core criteria for national high-tech enterprise recognition [1] - The goal is to achieve national high-tech enterprise certification by 2030, positioning the science park as a launchpad for capital market entry [1] Industry Context - The entry of Fanmo Technology into the science park is expected to leverage the innovation and industrial incubation advantages of Yuhang District, combined with the policy benefits of the Hangzhou West Science and Technology Corridor [1] - Industry analysts believe that the company is likely to achieve significant breakthroughs within five years due to this strategic positioning [1]

Core Insights - Qidong Rural Commercial Bank has officially launched a provincial version of the cash flow analysis system, aligning with provincial digital construction initiatives [1] - The system integrates deeply into the "Three Platforms and Six Positions" credit operation model, enhancing risk control efficiency through intelligent and standardized cash flow analysis [1] Group 1: Intelligent Solutions - The system addresses challenges in pre-loan investigations, such as the large workload of cash flow analysis and the difficulty in identifying hidden risks, by providing intelligent solutions [1] - Client managers can upload cash flow data, and the system generates key metrics like net cash flow and average daily balance in real-time, while also verifying the authenticity of the cash flow [1] - It intelligently identifies core counterparties and large abnormal income and expenditure risks, offering unified decision support for front, middle, and back offices [1] Group 2: Closed-loop Management - The system's launch promotes process re-engineering, requiring client managers to upload the generated cash flow analysis page to the credit system [1] - This creates a closed-loop management system characterized by "system analysis, risk alerts, traceable records, and evidence-based reviews," standardizing and making risk decisions traceable [1] - It allows client managers to shift their focus towards customer expansion and relationship maintenance [1] Group 3: Collaborative Risk Control - The bank synchronously connects with external data platforms for cross-validation of internal and external data, enhancing the comprehensiveness of risk identification [1] - This initiative aims to provide precise services to small and micro enterprises in technology and manufacturing sectors, expanding financial service coverage and optimizing credit decisions [1] - In the future, Qidong Rural Commercial Bank plans to increase credit support for technology and manufacturing enterprises, achieving "expansion and growth" while reducing financing costs through precise risk control [1]

Core Viewpoint - Nantong Rural Commercial Bank is implementing a series of compliance culture-building activities themed "Compliance is Everyone's Responsibility" to enhance compliance awareness among all employees and create a strong compliance atmosphere [1][2][3] Group 1: Compliance Awareness Initiatives - The bank has established a multi-dimensional, regular compliance education system, including daily compliance reminders via corporate WeChat and weekly case analyses through the OA system [1] - As of the end of August, 847 employees logged into the compliance management platform, accumulating 395,600 learning points, effectively transmitting compliance knowledge from a "key few" to the "vast majority" [1] - The bank has implemented a "Four Must-Talk" mechanism, ensuring compliance is a mandatory topic in new employee training, specialized training for marketing personnel, departmental inspections, and executive meetings [1] Group 2: Innovative Education Methods - The bank has adopted engaging educational methods, such as a compliance knowledge competition, which resulted in an average score of 81.8 and a provincial ranking of 18th [2] - A collection of compliance slogans and typical cases was conducted, yielding 24 slogans and 12 cases, with 10 slogans selected as winners through employee voting [2] Group 3: Mechanisms for Effective Compliance Management - The bank has created a compliance points management system to address the imbalance between constraints and incentives, rewarding 19 individuals with points for their contributions to compliance slogans and micro-courses [2] - Compliance points will be considered in personal evaluations for 2025 and as a reference for promotions and awards, fostering a positive cycle of "behavior quantification - dynamic scoring - mutual incentives" [2] Group 4: Future Directions - Nantong Rural Commercial Bank plans to continue strengthening the results of the "Compliance Culture Enhancement Year" through long-term mechanisms, integration into business practices, and fostering internal motivation [3] - The goal is to advance compliance management from "tangible coverage" to "effective coverage," contributing to the bank's high-quality development [3]

Core Viewpoint - The "Shanxin Good Fruit" agricultural regional public brand was promoted during the 22nd China International Agricultural Products Trade Fair, highlighting the unique agricultural resources and advantages of Shanshan County in Xinjiang [1][2]. Group 1: Agricultural Brand Promotion - The promotion event was organized by the China Rural Magazine and the China Agricultural Products Market Association in Tianjin [1]. - The Deputy County Head of Shanshan County, Ahmat Aimaiti, provided a detailed introduction to the "Shanxin Good Fruit" brand [2]. Group 2: Geographic and Climatic Advantages - Shanshan County is located at the southern foot of the Tianshan Mountains, adjacent to the Kumtag Desert, characterized by a unique desert climate and rich agricultural resources [2]. - The region benefits from over 3,000 hours of annual sunlight and pure mineral-rich snowmelt water from the Tianshan Mountains, which supports the development of its distinctive fruit industry [2]. Group 3: Agricultural Production and Specialties - The modern agricultural industrial park in Shanshan County has been included in the national-level project list for 2024, focusing on the cultivation of grapes and Hami melons [2]. - Shanshan County has a grape planting area of 336,500 acres, with a production of 840,000 tons, accounting for over 85% of the county's total crop area [5]. - The county is home to 550 grape varieties, making it one of the most concentrated regions for grape varieties in China and worldwide [5]. Group 4: Historical Significance and Product Quality - Hami melons have been cultivated in Shanshan County for over 2,000 years, with historical significance dating back to the Qing Dynasty when they were presented as tribute to Emperor Kangxi [5]. - The region is a major production area for early and late-season Hami melons, with stable planting areas exceeding 100,000 acres, contributing to over 80% of the total early and mid-season Hami melon production in Xinjiang [5].