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南通农商银行授信审批实现效能提升与风控赋能双突破
Jiang Nan Shi Bao· 2025-10-09 03:20
审批流程做"减法",服务效能做"加法"。8月以来,南通农商银行紧扣高质量发展主线,坚持"精准研 判、审慎经营",以问题为导向统筹推进授信审批工作,在审批效能、流程优化和队伍建设等方面取得 显著成效。 审批提速增效,资金精准直达。全行授信审批高效运转,8月单月审查审批贷款810户,金额20.3亿元, 快速通过率稳定在92.5%。严格落实"当日响应、限时办结"承诺,及时受理和审批待批业务,确保审批 时效。通过建立跨部门沟通机制与信息共享平台,加强前中后台协作,提升信息传递和审批效率。 流程优化升级,风控屏障加固。持续推进"全流程标准化+动态化"审批体系建设,细化资料完整性、客 户资质和经营状况等八大核心审查维度,推动审批从"经验驱动"转向"规则驱动"。落实风险分担产品管 理要求,加强准入管理。授信审批部与普惠金融部联动,明确调查审查要点,统一业务流程与标准,尤 其在续贷业务上协同筑牢风控屏障。 一线精准赋能,双向联动增效。组织审批人员赴石港、陈桥等8家支行开展驻点审批,针对风险分担产 品续授信等难点进行个性化辅导,提升一线规范与合规操作。通过"送服务进支行"贴近市场、了解基层 诉求、收集优化建议,针对性改进流程, ...
老牌街区如何焕新?南京1912用“文化+科技”破圈
Jiang Nan Shi Bao· 2025-10-09 03:16
曾以夜生活定义南京现代魅力的1912街区,不止文艺生活节期间展现出截然不同的气质:民族舞剧《红 楼梦》的雅集与AI机器人酷玩展在此同台,苏超赛事的活力与数字漫步的奇趣在此交汇。这并非一次 简单的假日活动叠加,而是这座老牌潮流地标以"文化+科技"为双翼,主动打破传统边界,迈向"文商旅 科"融合新生的战略性"预演"。 告别单一标签,老牌地标的"内涵式"焕新 作为南京都市夜经济的开创者与长期标杆,1912街区在公众心中烙印着深刻的"顶流"印记。然而,城市 更新浪潮下,单一的"夜经济"标签已不足以支撑其未来。街区的焕新,选择了一条"内涵式"发展路径: 尊重历史肌理,而非大拆大建;注入全新内容,而非简单升级外观。 创意+:依托"紫金奖"等IP,建设创意孵化基地,让街区成为潮流设计的发源地。 这一系列举措,旨在将1912从一条"街"升级为一个辐射更广、功能多元的"开放式文化街区综合体"。 从引领夜生活到拥抱大文化,从紧握线下流量到探索数实融合,南京1912本次不止文艺生活节的焕新实 践表明,老牌街区的生命力在于持续的内容创新与生态重构。在1912遇见文艺,遇见科技,本质上是遇 见一种街区新消费场景的未来图景——它既有历史 ...
临床实证铸就金标准,inne因你亮相全国营养科学大会,展示儿童营养创新成果
Jiang Nan Shi Bao· 2025-10-09 02:47
9月21日至23日,第十七届全国营养科学大会在北京隆重开幕。作为国内营养健康领域的顶级盛会,本 届大会以"营养创新·推动全民健康高质量发展"为主题,汇聚了众多权威学者与行业领袖,共商营养科 学前沿议题,成为助推"健康中国2030"战略落地的学术与产业双引擎。 值得一提的是,该研究成果已发表于营养学顶级期刊《Nutrients》,其科学价值获得国际学术界认可。 全球研发布局,铸就品牌核心竞争力 据品牌介绍,inne在科研层面的积累和突破并非偶然,而是依托于长期构建的全球化研发体系。品牌先 后在中国、美国、德国及意大利建立了五大研发中心,并在亚洲设立了2300平米的功效验证与检测实验 室,并通过CNAS国家实验室认证,为临床研究和产品验证提供了可靠保障。 此次学术盛宴上,源自德国的儿童营养品牌inne(中文名:因你)凭借卓越的科研实力和创新成果成为 焦点。在大会婴幼儿营养分论坛上,inne携手沈阳药科大学中药学院副院长韩娜教授带来竹节钙专利成 分Kidtal 的科究成果分享,以扎实的实证数据和创新理念,获得与会专家的关注与好评。 临床实证,树立科学营养的"金标准" 展会期间,inne因你以"临床实证是科学营养金标 ...
聚焦亚太市场,德国儿童营养品牌inne亮相Vitafoods Asia,引领科学育儿趋势
Jiang Nan Shi Bao· 2025-10-09 02:34
展会期间,inne特别设立产品体验区,邀请渠道商、专业买家及媒体现场试吃体验。多款产品凭借良好 的口感、便捷的剂型和明确的功能定位,收获一致好评。 据悉,现场观众对inne小金条钙镁锌"可以直接喝的真正液体钙"剂型表现出浓厚兴趣,结合该产品在国 际市场的持续热销,不少平台已表达合作意向。一位来自曼谷的参展者表示,"儿童补钙需求持续增 长,家长越来越青睐喂养方便、吸收率高、不易卡喉和便秘的液体钙剂型,而inne小金条在这方面的差 异性优势非常明显,其未来在东南亚市场的表现值得期待。" 现场多家渠道商也对inne因你的多款产品表现出关注。一位来自马来西亚的药剂师表达了对inne噗噗宝 产品的看好,"噗噗宝 是儿童营养品市场上很少见的果冻剂型的益生菌,口感新奇好吃,很多孩子吃冲 泡的益生菌会感觉在吃药,很抗拒,噗噗宝 这种像吃零食果冻的补剂,孩子一定会喜欢。" 9月17日至19日,亚太地区营养与健康产业的年度盛会——Vitafoods Asia 2025(亚洲国际营养保健食品 展)在曼谷成功举办。展会汇聚了来自全球38个国家和地区的650余家参展商及13,000名专业观众,围 绕"天然营养、功能创新、可持续发展"三 ...
苏州农商银行上线零售客户360风险画像功能
Jiang Nan Shi Bao· 2025-10-09 02:02
此次上线零售客户360风险画像功能,是苏州农商银行风险管理体系的重要完善。未来,该行将持续推 进风险管理智能化,探索更多创新、前瞻的风控模式,在保障金融安全的基础上,为零售业务高质量发 展注入新动力,为客户创造更大价值,提供更加安心、舒心的金融服务。 该功能依托大数据、人工智能等前沿技术,对客户的多维度信息进行深度挖掘与智能整合,构建出全 面、立体的客户风险评估体系,系统实现了客户风险信息的统一汇聚与智能分析,有效解决了传统模式 下信息分散、孤岛化等问题。在信贷审批实践中,审批人员通过风险画像系统可快速掌握客户风险状 况,大幅提升了资料处理效率。基于系统提供的精准风险评估,审批人员能够及时识别风险特征,作出 更加科学、审慎的信贷决策。具体而言,对信用良好的低风险客户,可简化流程、加快放款速度;对风 险较高的客户,则采取更加严格的风险管控措施,制定个性化的信贷方案,从而在风险可控的前提下提 升业务办理效率,优化客户服务体验。 面对金融同业竞争日益激烈,为全面提升风险管理能力,苏州农商银行积极创新,正式上线信贷系统零 售客户360风险画像功能,旨在以精准服务提升客户金融体验。 ...
建行无锡分行开展“保障金融权益 助力美好生活”金融教育活动
Jiang Nan Shi Bao· 2025-10-08 07:23
分行统筹县域教育资源,活动不仅依托县域基层网点、裕农通服务点等建立宣传阵地,走进田间地头拓展金融教育覆盖半径,还深入村镇群众活动点,如便 民服务区、活动中心等,加大宣传下沉力度。此外,还用好墙报宣传栏等一线阵地,绘制金融知识文化墙,让金融知识贴近村民生活,更接地气。 本次活动是建设银行无锡分行服务乡村振兴战略的有效实践,后续,分行将持续赋能于民,推动提升金融知识在乡村领域的覆盖和渗透,为维护农村金融秩 序的和谐稳定贡献建行力量。 活动期间,分行充分发挥县域派出机构和基层金融机构的桥梁作用,通过"走基层-话消保-风险提示送上门"行动,将金融知识普及深入基层、直达群众,有 效打通金融教育宣传的"最后一公里"。 为积极践行以人民为中心的发展思想,切实提升社会公众金融素养,建设银行无锡分行近日走进江阴市长泾镇习礼村开展了一场以"保障金融权益 助力美好 生活"为主题的金融教育活动。 ...
中国建设银行宿迁分行:开学季织密校园消保网 金融知识护航青春成长
Jiang Nan Shi Bao· 2025-10-08 07:23
Core Viewpoint - The series of "Consumer Protection Knowledge into Campus" activities organized by China Construction Bank Suqian Branch aims to enhance financial literacy among youth and strengthen financial safety in schools, receiving positive feedback from students and teachers [1][5]. Group 1: Targeted Education - The activities are tailored to different age groups, focusing on specific financial risks prevalent in schools, ensuring that financial knowledge is conveyed effectively [2]. - At the university level, the "Zhang Fuqing Financial Service Team" addresses issues like telecom fraud and bad online loans, reaching over 1,000 students and distributing more than 800 informational brochures [2]. - For middle and primary school students, the activities include lectures on the dangers of illegal online lending, emphasizing the traps set by such platforms [3]. Group 2: Interactive Learning - The bank has innovated its educational approach by incorporating interactive elements, transforming passive listening into active learning, making financial education more engaging and effective [4]. - Activities include Q&A sessions where students can ask about risks associated with financial practices, fostering a lively exchange of ideas [4]. - The use of real-life case studies to explain concepts like "campus loans" and "trap loans" helps students understand the dangers of excessive borrowing and financial scams [4]. Group 3: Social Responsibility - The initiative reflects the bank's commitment to social responsibility and its "finance for the people" philosophy, contributing to a safer and healthier financial environment in schools [5].
中国建设银行宿迁分行:数字金融全面赋能 促进释放消费潜力
Jiang Nan Shi Bao· 2025-10-08 07:23
Core Viewpoint - The article highlights the effective implementation of consumption-boosting policies in China, particularly through the initiatives of China Construction Bank's Suqian branch, which aims to enhance consumer spending and stimulate economic growth by leveraging digital platforms and government subsidies [1][2]. Group 1: Policy Implementation and Financial Services - China Construction Bank's Suqian branch actively supports national policies to boost consumption by creating a four-party ecosystem involving government, banks, merchants, and consumers [1][2]. - The bank has established a "green channel" for new business processing to streamline services for merchants, reducing inefficiencies in communication and organization [2][4]. - The bank's initiatives include providing payment settlement and credit loan services to support local merchants and consumers, ensuring that financial benefits reach the end-users effectively [2][3]. Group 2: Consumer Engagement and Market Impact - The bank's participation in the "Su New Consumption" campaign has led to significant consumer engagement, with over 150,000 customers participating and subsidies amounting to 1.079 billion yuan, directly driving consumption by 3.345 billion yuan [5]. - The focus on upgrading consumer products through initiatives like "old-for-new" exchanges in appliances and home decor is aimed at enhancing product quality and promoting sustainable consumption [3][4]. - The bank emphasizes the importance of integrating financial products into consumer scenarios to better meet the financial needs of the market [4][5]. Group 3: Digital Financial Services - The bank leverages its "CCB Life" platform to facilitate the distribution and usage of government consumption vouchers, enhancing the overall consumer experience [4][5]. - A one-on-one service model is implemented during promotional activities, ensuring that merchants receive direct support and guidance on policy implementation [5]. - The bank aims to continuously adapt its services to align with local economic development, focusing on consumer satisfaction and quality of life improvements [5].
鱼跃医疗九月全球布局提速:亮相9场海外展 成立印尼分公司
Jiang Nan Shi Bao· 2025-09-30 12:03
Core Viewpoint - Yuyue Medical is accelerating its globalization strategy, with significant actions taken in September 2023, including the establishment of a subsidiary in Indonesia and participation in major medical exhibitions across nine countries, highlighting its commitment to expanding its international presence [1][2]. Group 1: Financial Performance - In the first half of 2023, Yuyue Medical reported a revenue of 4.659 billion yuan, representing a year-on-year growth of 8.16%, with overseas business revenue reaching 607 million yuan, up 26.63%, accounting for 13.03% of total revenue [1]. Group 2: Market Expansion - The establishment of the Indonesian subsidiary marks a strategic move following success in the Thai market, targeting the Southeast Asian region where approximately 90% of medical devices are imported, and the market is projected to grow at a compound annual growth rate of 10.8% from 2021 to 2026 [2]. - Yuyue Medical aims to strengthen collaboration with medical institutions, build distribution networks, and enhance after-sales service in Indonesia, leveraging its experience from the Thai market [2]. Group 3: Product Innovation and Strategy - The company is focusing on three core directions: globalization, digitalization, and wearability, with over 30 innovative products launched, including IoT-enabled devices and AI health management solutions [2]. - Yuyue Medical plans to establish branches in Europe, South America, and the Middle East, and is set to create its first shared service center in the Netherlands to improve global operational efficiency [3]. Group 4: Industry Outlook - The global medical device market is expected to reach $899.2 billion by 2030, while the home healthcare device market is projected to exceed $80.37 billion by 2033, indicating significant growth opportunities for Yuyue Medical [3].
超级未来科技:构建面向未来的AI+Web3.0基础设施,让全球开发者共享高性能计算资源
Jiang Nan Shi Bao· 2025-09-30 11:13
Core Insights - Artificial Intelligence (AI) is rapidly transitioning from laboratory experiments to commercial applications, reshaping productivity across various industries, but computational power is becoming a significant bottleneck for scaling AI applications [1] - Super Future Technology Co., Ltd. aims to address this challenge by creating a decentralized high-performance computing infrastructure network based on Web3.0, allowing global developers and users to access powerful AI computing resources at lower costs [1][5] Industry Overview - The current high costs of AI training and the concentration of computational resources among major tech companies like Microsoft, Google, and Amazon create barriers for AI innovators, leading to a situation where many face difficulties in accessing necessary computational power [1][2] - There is a significant disparity in GPU resource utilization, with many GPUs idling in various forms, such as gaming graphics cards and personal PCs, while innovation in AI is hindered due to limited access to these resources [2] Company Strategy - Super Future Technology's core strategy is to treat computational power as infrastructure, building a global platform that integrates AI computing with Web3.0 incentive mechanisms [2] - The platform standardizes computational resources into NFT cards, which encapsulate performance, capacity, and ownership details, allowing users to purchase and utilize these resources using cryptocurrencies like USDT and ETH [2][3] Operational Mechanism - Users can contribute their NFT cards to a computational resource pool, where a smart scheduling system matches tasks with available resources based on various factors, enhancing resource utilization and enabling revenue distribution to cardholders [3] - Unlike traditional cloud services that charge by the hour, Super Future Technology offers a more flexible model, allowing users to participate in tasks without long-term contracts, significantly lowering project initiation costs [3] Technological Infrastructure - The company has developed a distributed GPU resource scheduling system based on Kubernetes, compatible with major AI frameworks and existing cloud platforms, enabling cross-node and cross-region resource management [3][4] - All transactions and data related to assets, tasks, and rewards are recorded on the blockchain, ensuring transparency and verifiability of the system [4] Future Plans - The company has a clear development timeline, with plans to complete GPU node testing and launch NFT-based computational assets by 2025, followed by expanding into international markets by 2026 [4] - Super Future Technology envisions creating a global network of computational nodes, allowing anyone with a GPU to participate in the AI infrastructure, thus democratizing access to AI resources [5]