该行将服务区域划分为若干网格，实行"分片包干、责任到人"的管理机制。通过建立起"总行—支行— 客户经理"三级战区管理体系，确保每一寸市场都有专人负责、每一笔金融需求都有回应。在此基础 上，该行自主研发"凤凰E生活""凤凰微营销"等数字平台，实现客户信息的实时采集与分析，极大提升 了服务的精准度与效率。 该行充分发挥老一辈农信人"铁脚板"的优良传统，通过"千企万户大走访"等常态化活动，客户经理走出 办公室、走进田间地头，以辖内商户集中的成熟商圈、规模园区、综合市场为中心，扎实开展地毯式、 摸排式走访服务，对辖区商户个体逐户建档建册，动态完善更新商户信息，摸底融资需求。今年三季 度，该行新增一级面访6477户，新增完整建档164户，新增授信377户，新增用信686户，用信金额达到 3.42亿元。 江南时报讯 近年来，泰州农商银行通过构建"大数据+网格化+铁脚板"三位一体的服务模式，聚焦本地 中小微企业，有效破解普惠金融"最后一公里"难题，精准满足多元化金融需求。 从早茶街区到乡村养殖，从科技园区到整村授信，该行以脚步丈量需求，以专业回应期盼，实现"服务 下沉、信任上升"。未来，该行将继续优化服务、加强创新，助力本 ...

江南时报讯 为深入贯彻联合银行与金融监管部门关于加强员工异常行为管理的相关要求，持续强化员 工"八小时外"行为监督，仪征农商银行积极组织开展员工家访活动，推动合规管理从行内延伸至家庭， 构建起单位与家庭的双向监督机制，凝聚合规共识。在"合规创造价值"主题活动推进过程中，仪征农商 银行系统总结家访工作经验，提炼形成"家访三式"微课，以务实举措推动合规文化扎根生长，为高质量 发展注入内生动力。 根植制度沃土 夯实合规发展根基 仪征农商银行坚持以制度为引领，制定并实施《家访活动工作方案》，建立"工会牵头、部门协同、分 级落实"的家访工作机制，将合规管理要求有机嵌入员工异常行为管控全流程，实现制度设计与执行落 地紧密衔接。同时，通过家访传递组织关怀，增强员工的归属感和凝聚力，激发干事创业热情，进一步 涵养健康积极的内部生态。此外，注重家风与行风共建，在家庭交流中融入廉洁理念与合规意识，培育 员工家庭对银行文化的认同，形成业务拓展与文化塑造相互促进的良性循环。 绽放服务之花 提升员工与客户双体验 仪征农商银行将家访作为传递人文关怀、优化内部治理的重要途径。在家访中介绍业务发展情况及员工 职业成长通道，协助解决实际困难， ...

江南时报讯 秋意深浓，热血不息。历时两个多月，历经近百场精彩对决，第二届"农商行杯"共建单位 男子篮球邀请赛于近日在泰兴市体育中心圆满落下帷幕。泰兴农商银行代表队凭借出色发挥，最终摘得 本届赛事桂冠。 以篮球之名，共赴一场激情与友谊的盛会 自9月8日邀请赛开幕以来，来自全市32家党建共建单位的运动健儿，在篮球赛场上挥洒汗水、奋勇拼 搏，为观众奉献了一场又一场悬念迭起、精彩纷呈的比赛。每一次精准的投射，每一次默契的配合，每 一次成功的防守，都赢得了满堂喝彩。赛场上有力挽狂澜的激昂，也有错失良机的叹息，但始终洋溢 的，是"友谊第一，比赛第二"的体育精神，是彼此间的尊重与鼓励。 以赛为媒，深化一段共建与合作的篇章 本届赛事的意义，已远远超越篮球比赛本身。它是一座桥梁，紧密连接起泰兴农商银行与各共建单位的 情谊；它也是一扇窗口，生动展现了各共建单位干部职工团结协作、昂扬向上的精神风貌。在两个多月 的赛程中，各参赛队伍不仅在球场上切磋技艺，而且在赛场外加深了了解、凝聚了共识。这场赛事，将 体育竞技的活力注入了党建共建的血脉，让"共建、共享、共赢"的理念在一次次击掌、一声声喝彩中深 入人心。 以荣誉为阶，开启一段未来与发 ...

江南时报讯 近日，为应对即将到来的寒潮，南京江宁区城市综合养护发展中心积极开展了针对城 市桥梁的维修整治工作。针对桥面铺装破损、泄水孔排水不畅、伸缩缝堵塞以及护栏损坏等问题，综养 中心组织养护单位进行全面且细致的排查与整改，确保桥面干净整洁，切实保障行人通行安全。 志斌 ...

Core Viewpoint - Kunshan Rural Commercial Bank is initiating a strategic innovation in remote credit business starting January 2024, aiming to integrate traditional credit risk control with the convenience of internet services, marking a significant systemic transformation in its operations [1][3]. Group 1: Mechanism and Efficiency - The remote credit model innovatively employs a "one on-site, one in-house" collaborative approach, enhancing resource optimization and significantly improving work efficiency [1]. - The complete imaging and video documentation generated during the process can be directly stored in the credit system, providing comprehensive and real-time evidence for approval decisions, thereby reducing operational risks and ensuring compliance [1]. - A fault-tolerant and due diligence exemption mechanism has been established to encourage credit managers to take calculated risks within a compliant framework, supporting business innovation [1]. Group 2: Technology and Innovation - The boundaries of remote banking services are continuously expanding, with ongoing optimization of the technology platform to achieve a closed-loop risk control process [2]. - An efficient decision-making mechanism is formed through immediate feedback from the approval end in case of anomalies, enhancing collaborative efficiency [2]. - The appointment system has been optimized to adjust the appointment slots dynamically based on seat availability, significantly improving customer service experience [2]. Group 3: Strategic Positioning - The remote credit business represents a transition from online channels to a new digital financial model, focusing on data as a key production factor and technology as the core driving force [2]. - The bank aims to build core competitiveness for the future by establishing a platform ecosystem [2]. - The remote model effectively addresses the challenges of "difficult and expensive financing" for small and micro enterprises, individual businesses, and farmers, thereby facilitating smoother financial support for the real economy [2]. Group 4: Systemic Transformation - The innovation in remote credit business is a profound systemic reshaping rather than a mere technological upgrade, enhancing the bank's core competitiveness and innovative vitality in the digital economy era [3].

江南时报讯 秋分已过，寒露将至，秋收进入关键时期。启东农商银行以精准滴灌的"金融活水"助力当 地广大农户抢抓农时，确保颗粒归仓。 了解情况后，启东农商银行迅速启动"三农服务绿色通道"，由支行行长带队现场办公。针对农场"轻资 产"特点，精准匹配"苏农贷"产品，该产品无需抵押担保，依托政策风险分担机制，高效满足季节性资 金需求。最终，银行为该农场授信300万元，首笔50万元秋收资金迅速到位。此笔贷款也是该行今年以 来支持的家庭农场类秋收贷款之一，该类贷款总额已达3192.93万元。 有了资金支持，朱锦荣家庭农场的秋收工作得以有序推进，有效规避了天气风险。启东农商银行的秋收 金融服务不仅聚焦家庭农场等新型农业经营主体，更广泛覆盖农垦企业和个人农户，形成点面结合、全 面护航的支撑格局。 朱锦荣家庭农场是当地规模化种植的标杆，年营业额超千万元。今年秋收，农场面临多重压力：收割窗 口期短，10月中下旬出现连续降雨，须在雨前完成2000余亩作物抢收；秋收前需支付农机服务费、租赁 大型农机等，短期资金缺口约50万元；缺乏抵押物……一度陷入"有需求、难融资"的困境。 从个案到全域，精准"滴灌"的金融活水，稳稳托起了启东农户的丰 ...

江南时报讯 近日，东台农商银行时堰支行党支部精心组织并成功开展了"金融标准三走进"系列活动之 走进时堰镇农贸市场专题宣传。此次活动聚焦普惠金融政策与实用金融知识的普及，旨在将金融服务精 准送达市场一线商户，助力其稳健经营与持续发展。 活动当天，支部党员与业务骨干共同组成宣传小队，深入时堰镇农贸市场等人流密集区域，通过设立临 时咨询台、派发宣传折页、现场答疑等多种形式，向广大商户重点介绍了新版人民币防伪特征、防范电 信网络诈骗、安全用卡常识、存款保险制度等基础金融知识，并详细讲解了个体工商户和小微企业相关 的普惠信贷产品与服务政策。 此次宣传活动切实提升了市场商户的金融素养与风险防范意识，为其财产安全和经营活动提供了有力保 障；精准对接了小微经营主体的实际金融需求，拓宽了他们获取正规金融服务的渠道，有效支持了本地 实体经济的健康发展。 朱强 ...

Core Insights - Jiangyin Rural Commercial Bank is addressing the homogenization challenges in the financial industry through "characteristic operations" and aims to reshape its growth logic while achieving high-quality development [1] Group 1: Technology Innovation - The bank has implemented the "Science and Technology Innovation Jiangyin" strategy, focusing on technology finance as a strategic priority, aiming to become a regional innovation "enabler" [3] - As of September 2025, the bank has covered 64% of over 3,700 key technology innovation enterprises in Jiangyin, with a credit coverage of 30% and a total credit scale of 16.93 billion [3] - The loan balance for technology enterprises stands at 15.976 billion, with loans to "specialized, refined, distinctive, and innovative" enterprises amounting to 9.553 billion [3] Group 2: Green Finance - The bank has integrated green finance into its overall development strategy and initiated a pilot program for green branches, with Changjing Branch designated as a green branch [5] - The Changjing Branch has launched a green industry upgrade project in the Wujiaba area, involving a total investment of 500 million, with the branch providing a credit of 35 million, of which 10 million has been utilized [5] - The project is part of the Jiangyin Changjing Shunfeng Dyeing Park initiative, aimed at promoting the green and clean transformation of dyeing enterprises [5] Group 3: Support for Private Enterprises - The Zhouzhuang Branch serves as a pilot for supporting the private economy, conducting industry research and focusing on two core sectors: new metal materials and new energy [7] - The bank offers tailored financial products for private enterprises, including supply chain financing for metal new materials and green credit for new energy companies [7] - As of October 2025, the Zhouzhuang Branch has 413 corporate loan accounts, an increase of 65 from 2024, and 359 inclusive loan accounts, an increase of 66 from 2024 [7]

Core Points - Xu Zhou Rural Commercial Bank is committed to supporting the high-quality development of the manufacturing industry as part of its mission to serve the real economy [1][2] - The bank has introduced innovative financial products like "Su Zhi Loan" and "Su Ke Loan" to meet the diverse needs of manufacturing enterprises at different stages of development [1] Group 1 - Xu Zhou Rural Commercial Bank provided a 3 million yuan working capital loan to Jiangsu Ningyi Electric Equipment Co., Ltd., along with a pre-approved credit of 16 million yuan, facilitating the company's growth [1] - Xu Zhou Xudi Machinery Co., Ltd. received a 300 million yuan loan initially, followed by an additional 500 million yuan, resulting in a 30% increase in production efficiency and a product qualification rate of 99% after upgrading equipment [1] - Over the past two years, the bank's branch has provided 120 million yuan in credit support to 15 manufacturing enterprises in the industrial park, with an average production efficiency increase of over 30% for three companies that completed production line upgrades [1] Group 2 - The bank plans to continue its commitment to serving the real economy by increasing credit support for emerging industries such as high-end equipment manufacturing and intelligent manufacturing [2]

Core Viewpoint - Nantong Rural Commercial Bank is focusing on enhancing its audit supervision quality and efficiency as part of its "Credit Business Improvement Year" goal, integrating audit supervision throughout the entire credit business process to support high-quality development [1][3]. Group 1: Risk Management - The bank is conducting a comprehensive audit of collateral management, aligning with regulatory requirements to identify and manage risks throughout the entire process from entry to monitoring and disposal [1]. - A thorough audit approach is being implemented across branches, focusing on compliance, risk control, and internal management, utilizing audit models and credit file reviews to uncover operational status and potential risks [1]. - Internal audit feedback is promptly provided to business departments to encourage self-inspection and correction, maximizing the value of audits [1]. Group 2: Audit Efficiency - The bank adopts a research-oriented audit approach, analyzing root causes of issues and proposing targeted recommendations to convert audit results into effective governance [2]. - A systematic review of 11 risk scenarios related to mobile business platforms has been conducted, resulting in a comprehensive guide that includes risk manifestations, impact assessments, and prevention suggestions [2]. - The bank employs a three-path approach ("upward reporting, parallel suggestions, downward communication") to ensure the effective application of audit results, thereby enhancing management efficiency [2]. Group 3: Continuous Improvement - The bank emphasizes a combination of immediate corrections and long-term systemic improvements, focusing on both problem rectification and enhancing institutional mechanisms [3]. - A robust rectification responsibility mechanism has been established, designating the main responsible person for each audited unit, and implementing a problem list, rectification ledger, and closure system to ensure issues are addressed [2]. - The bank aims to deepen the application of audit results to improve overall audit supervision effectiveness, contributing to stable business development and establishing a solid defense for sustainable growth [3].