Core Viewpoint - Xinyi Rural Commercial Bank is enhancing service efficiency and creating unique advantages in rural revitalization and cultural tourism finance through a dual approach of "technology empowerment + specialized finance" [1] Group 1: Operational Transformation - The bank has fully launched a smart operation platform, transitioning various operational tasks online, including inventory checks, cash voucher applications, personnel management, and electronic registration [3] - The trial promotion of smart PAD functionality in 28 branches has led to 7,831 authorized transactions in the first quarter, effectively streamlining counter services [3] Group 2: Digital Transformation - The bank has improved its distributed retail platform, processing 93% of personal loans through this system, and has optimized online office mini-programs to enhance user experience [5] - A digital marketing platform has been integrated with the retail platform, allowing for precise data collection and effective business reporting [5] Group 3: Customer Operations - The bank is implementing a tiered management strategy for retail customers, enhancing engagement through targeted marketing activities and promotions [6][7] - Collaborative efforts with local tourism companies to promote cultural tourism credit card products and community welfare activities are being emphasized to improve service quality [7] Group 4: Future Directions - The bank aims to strengthen risk control capabilities and deepen ecological scene integration to adapt to the continuous evolution of financial technology and customer needs [7]

Core Insights - Shared electric bikes have become a popular choice for short-distance travel among tourists during the May Day holiday due to their flexibility and convenience [1] - The user demographic is increasingly younger, with over 40% of users being from the post-2000 generation, indicating a shift in consumer behavior [2] - The integration of shared electric bikes with local consumption points has stimulated urban economic activity, particularly in the night economy [3] - Cross-province travel has gained traction, with significant user influx from neighboring provinces, enhancing regional tourism collaboration [4] - Companies are implementing various measures to ensure a smooth riding experience, with smart management playing a crucial role [5] User Demographics - The user base is predominantly young, with the post-2000 generation making up over 40% of users during the holiday [2] - New users are primarily from the younger demographic, indicating a trend towards increased adoption among younger consumers [2] Economic Impact - The presence of shared electric bikes has created a "riding + consumption" synergy, boosting urban consumption, especially in areas like shopping malls and food streets [3] - Night riding has increased significantly, with riding hours extending from 10 PM to 12 AM, achieving a day-to-night riding ratio of 1:1 [3] Regional Trends - There is a notable increase in users from neighboring provinces, particularly Anhui and Henan, highlighting the trend of short-distance travel during the holiday [4] - Shared electric bikes provide essential last-mile connectivity for cross-province tourists, enhancing the overall travel experience [4] Operational Strategies - Companies are optimizing vehicle distribution through dynamic scheduling and grid-based operations to meet the high demand during peak periods [5] - Collaboration between local governments and companies is focused on improving safety and service quality through vehicle upgrades and smart helmet initiatives [5]

"群众利益无小事，子弟兵的前途更关系重大！"魏雪龙深知这笔贷款对王先生一家的重要性，在安抚王 先生情绪的同时，鼓励他要积极面对困难。由于消费类贷款难以进行无还本续贷操作，魏雪龙及时汇报 支行行长曾诚，朴席支行迅速制定了"双线并行"的解决方案：一方面，劝导王先生夫妻积极通过合法渠 道筹措转贷资金；另一方面，开辟绿色通道，加班加点提前做好贷款续申请备案的各项准备工作。最 终，在双方的共同努力下，顺利完成该笔贷款的转续贷工作，及时解了王先生的燃眉之急，也让其儿子 的发展之路免受波折。 "没想到农商行这么为我们老百姓着想！"当"五一"期间贷款资金顺利到位时，王先生激动地说，"这下 孩子可以安心在部队发展了。"更让王先生感动的是，朴席支行还专门为其建立了"军民家庭金融服务档 案"，后续将定期提供专属金融服务。 未来，仪征农商银行朴席支行将继续践行"真心为民"初心，持续以专业、高效、温暖的服务，切实解决 群众"急难愁盼"，为地方经济社会高质量发展注入更强金融动能，让金融活水润泽千家万户。 施甜 江南时报讯 近日，一面绣着"服务热情 业务精湛 贴心服务 真心相助"16个烫金大字的锦旗，在初夏 的阳光下熠熠生辉。这份来自客户 ...

Core Viewpoint - The event organized by Dafeng Rural Commercial Bank aims to promote the spirit of the May Fourth Movement, enhance team cohesion, and inspire young employees to contribute to high-quality development through various activities [1] Group 1: Event Overview - The bank organized a team-building activity titled "Passing the Torch of May Fourth, Youth in Full Bloom" for nearly 50 young employees [1] - Activities included red education, national defense experience, and team interactions to motivate young employees to inherit the mission and take on responsibilities [1] Group 2: Educational Activities - The first stop was a visit to the "Original Intention Hall" at Caoyan Dream Maze, where employees revisited the party's glorious history through historical photos, videos, and exhibits [1] - Young employee representatives expressed a deeper understanding of their responsibilities as financial workers, emphasizing the importance of practical action [1] Group 3: National Defense Experience - Employees observed retired military equipment such as tanks and fighter jets, enhancing their patriotic feelings through immersive experiences [1] - The national defense knowledge gained during the visit contributed to a greater appreciation of the country's military achievements [1] Group 4: Evening Activities - A unique bonfire party featured team games, talent shows, and youth declarations, showcasing the vitality of the young employees [1] - The bank's vice president encouraged participants to embody the May Fourth spirit, aiming to achieve better results in serving agriculture and supporting local economic development [1] Group 5: Overall Impact - The event integrated red education, national defense education, and team building, serving as both a spiritual cleansing and a boost in team cohesion [1] - Participants expressed their commitment to translating the energy gained from the event into practical actions to contribute to the bank's high-quality development [1]

董佳佳松了一口气，准备妥当后，随即正式"上岗"。刚开始交流还需要大堂助理来翻译"救场"，多听上 几回，她渐渐也能猜出个大概意思。适应了几天后，她甚至能主动跟客户唠上几句简单的"江北话"，尽 管听上去不怎么地道。时间一长，货隆百姓都知道，农商行窗口新来了一个服务态度很好的"小桂圆 儿"。 "我和大家没什么不同，都是货隆支行的一分子。"作为支援人员，董佳佳也从来不"端"着，碰到不会的 系统操作就多问多学习；来行客流量大，中午不歇业，用餐时间紧张，她便和大家一起轮流吃饭；碰到 脾气不好的客户，她也不介意，反过来用耐心与真诚缓和对方的焦躁；运营主管提示业务注意事项的时 候，她和大家一样仔细聆听、认真记录。 支援的25天里，董佳佳完成了3230笔业务，平均每天129笔，这是她作为一名机关工作人员，在今年支 援基层"开门红"里交出的一份优异答卷。 施红艳 江南时报讯 "请A003号到1号窗口办理业务！"随着一声"你好，请坐"，一切准备就绪的海门农商银行党 群工作部董佳佳，切换到新身份——货隆支行柜员，正式开启了她的临柜支援之旅。 货隆，东接王浩，南承四甲，西北两侧连通州，地处通东方言区，当地百姓都讲"江北话"。然而，出生 ...

Core Viewpoint - The company is actively addressing challenges in asset quality amid the current economic climate by implementing a comprehensive recovery system that effectively strengthens its risk management defenses [1][2]. Group 1: Asset Recovery Strategies - The company has established a "management + disposal + collaboration" framework for asset recovery, resulting in the collection of 18.41 million yuan in off-balance-sheet non-performing loans by the end of Q1, with a low non-performing loan ratio of 1.17% [1]. - A scientific non-performing loan management system has been created, allowing for comprehensive assessments of non-performing assets and the development of tailored recovery plans based on asset categories and disposal difficulties [1]. - The company employs a differentiated disposal strategy for various types of non-performing loans, focusing on real estate-backed and small-scale inclusive loans, and has introduced innovative methods such as empathetic collection and online pre-litigation mediation [1][2]. Group 2: Collaborative Mechanisms - A multi-dimensional collaborative recovery system has been established to enhance the effectiveness of non-performing loan management, utilizing big data analysis and intelligent risk control models to identify high-risk clients [2]. - The company has implemented a dual-driven model of "regional supervision + team competition," dividing the organization into responsibility areas for targeted oversight and performance competition among teams [2]. - Standardized collection processes have been developed, supported by specialized training and case studies to improve the risk management capabilities of client managers [2]. Group 3: Future Outlook - The company plans to continue exploring new models for non-performing loan disposal to contribute to regional financial stability [3].

聚焦重点任务，强化监督实效。本次巡查督导以永阳党支部、石湫党支部等10家支行为重点对象，围绕 业务规范、作风建设、高质量发展等方面开展全面监督。会议强调，要切实把配合开展巡查督导工作与 严明党的纪律、转变工作作风结合起来，与完成年度工作任务结合起来，与推动全行高质量发展结合起 来，与巩固深化主题教育、党纪学习教育成果结合起来，以巡明责、以巡严纪、以巡促干，进一步营造 学的氛围、严的氛围、干的氛围。针对巡查督导过程中发现的问题、提出的意见和建议，要求坚持立说 立行、即知即改，以最高的标准、最大的决心、最严的措施、最强的力度，做到件件有着落、事事有回 音，要把"四个聚焦"要求贯彻到巡查督导全过程。 强化责任担当，确保工作落实。最后，会议明确了巡查督导的工作要求。巡查督导工作是一项严肃的政 治任务，巡查督导组和被巡查督导单位要强化责任担当，明确责任分工，加强组织协调，密切配合，共 同做好巡查督导工作，确保巡查督导工作取得实效。 江南时报讯 5月12日，溧水农商银行组织召开2025年巡查督导工作动员部署会议。该行党委书记史 小兵、纪委书记李加全出席会议并作动员讲话，巡查督导组成员以及被巡查督导单位负责人出席了本次 会 ...

Core Insights - The private economy in Changshu, Jiangsu, is thriving, with over 70,000 private enterprises and more than 200,000 individual businesses contributing over 60% of the city's tax revenue and over 80% of employment [1][8] Group 1: Grid-based Financial Services - Changshu Rural Commercial Bank has implemented a "grid-based" service model, enhancing financial service accessibility for small and micro enterprises [3] - The bank's "three credit" initiative has established a comprehensive service network covering urban and rural areas, achieving a credit approval rate of nearly 80% for over 400,000 households [3] - The bank's approach aims to make financial services permeate the economy at all levels, likening it to capillaries in the financial system [3] Group 2: Integrated Services - The bank offers integrated services that combine finance with other sectors, exemplified by providing low-interest loans and e-commerce training to farmers, resulting in a twofold increase in online sales for one farmer [5] - A "policy supermarket" has been created to help businesses access over 100 government policies, enhancing the connection between finance and industry [5] - The bank supports technology companies with innovative financing solutions, such as using intellectual property as collateral, facilitating a $10 million funding package for a semiconductor materials firm [5] Group 3: Digital Empowerment - The bank has digitized its loan processes, allowing for fully online applications and approvals, significantly speeding up financing for small businesses [7] - A comprehensive online product matrix supports over 40,000 credit clients, utilizing big data for automated risk assessment and approval processes [7] - The bank's risk control measures have achieved a 90% accuracy rate in risk warnings, maintaining a non-performing loan rate below 1%, which is better than the industry average [7]

Group 1 - The core viewpoint of the articles highlights the importance of personalized banking services, exemplified by the proactive approach of Yizheng Rural Commercial Bank in providing home service to clients in need [1][2] - Yizheng Rural Commercial Bank has implemented a "special customer service response mechanism" to address unique client situations, demonstrating their commitment to customer care [1] - The bank's initiative to create a "network + home service" model and the "Little Round Service Team" brand reflects its dedication to enhancing service quality and extending its service reach [2] Group 2 - The bank aims to expand the "Little Round Service Team" in response to positive customer feedback, indicating a strategy for continuous improvement in service delivery [2] - The case of client Chen Tingjin illustrates the bank's effective communication and support, which has led to high customer satisfaction and appreciation [1] - Yizheng Rural Commercial Bank's actions embody the principle of "finance for the people," reinforcing its mission to provide thoughtful and comprehensive services to its clients [2]

Regulatory Dimension: Strengthening Risk Prevention Foundations - The core role of internal audit is to ensure compliance with laws, regulations, and industry standards, particularly in the financial sector, where it focuses on anti-money laundering policy execution [3] - Internal audit departments must regularly assess the robustness of internal control systems and promote diversified evaluation mechanisms to enhance internal controls [3] - With increasing digitalization, data security and system vulnerabilities have become new regulatory challenges, necessitating attention to sensitive information encryption and compliance of AI algorithms [3] Management Dimension: Empowering Organizational Value Creation - Internal audit serves as a management tool, not just a supervisory function, and should align with management objectives to enhance its value [5] - The ultimate goal of internal audit is to facilitate the achievement of management objectives by identifying vulnerabilities and improving risk management capabilities [5] - Internal audit should adopt a broader management perspective, balancing various aspects and extending from traditional financial and operational audits to strategic and human resource audits [5] Operational Dimension: Addressing Business Pain Points and Challenges - Internal audit should focus on identifying real issues in business operations and provide actionable recommendations to mitigate risks [7] - The independence of internal audit does not equate to being a bystander; it must engage with operational challenges and not remain detached from the business [7] - A collaborative mechanism for problem rectification should be established, where internal audit assists in analyzing the reasons for difficulties in rectification and promotes accountability for recurring issues [7] Conclusion - The perspectives of internal audit in regulatory, management, and operational dimensions are interconnected, forming a governance loop of "risk prevention - value creation - problem solving" [8] - Moving forward, internal audit should deepen its role in compliance while enhancing management empowerment and addressing business pain points to strengthen its strategic position in sustainable development [8]