扬州农商银行党委副书记、行长黄海在会议总结时表示，扬州农商银行将坚定落实国家金融政策，持续 聚焦外贸企业需求，不断提升跨境金融服务的精准性与便利性，为外贸企业发展注入更多金融动能。 陈欣 扬州大学商学院教授吴进红深入分析全球产业链发展趋势，为企业拓展市场与管控风险提供专业建议； 中国人民银行扬州市分行专家系统解读跨境人民币政策的发展历程与实务操作；扬州农商银行重点介 绍"本币+外币""境内+境外"一站式综合服务方案。现场，企业代表围绕跨境结算、融资支持等议题踊跃 提问，互动热烈、反响积极。 11月27日，扬州农商银行成功举办"跨境人民币政策宣介暨重点外贸企业答谢恳谈会"。活动以"本币优 先、本币主导"为主题，特邀人民银行专家、扬州大学商学院教授及全市14家重点外贸企业代表共聚一 堂，共话跨境金融新机遇。 扬州农商银行党委委员、副行长孟晋致欢迎辞。他向与会嘉宾表示诚挚感谢，并表示下阶段将始终坚持 以企业需求为导向，通过政策对接、产品创新和流程优化，为外贸企业提供全方位、多层次的跨境金融 支持，助力企业在复杂国际贸易环境中稳健前行。 ...

Core Viewpoint - The successful issuance of a 55 million yuan loan by Xinghua Rural Commercial Bank to support an ecological agriculture project marks a significant breakthrough in green finance innovation in the Taizhou region, being the first biodiversity loan in Jiangsu Province [1][2]. Group 1: Loan Details and Project Impact - The loan is specifically allocated for the construction of a high-efficiency agricultural planting base, adhering to biodiversity financial standards and global biodiversity frameworks [1]. - The project aims to enhance grape yield and quality, meeting market demand for high-quality agricultural products while promoting local green agriculture and biodiversity protection [1]. - Expected environmental benefits include a reduction in chemical fertilizer usage by over 60%, a decrease in pesticide use by 80%, and an increase in water resource utilization efficiency from below 50% to 90% [1]. Group 2: Bank's Commitment to Green Finance - Xinghua Rural Commercial Bank integrates green development concepts into its credit service system, with a green loan balance reaching 2.586 billion yuan by the end of November 2025 [2]. - The bank has established a green approval channel, using biodiversity protection outcomes as a core assessment criterion for credit granting, thereby empowering ecological agriculture development [2]. - Future plans include enhancing the green finance system, optimizing green credit product matrices, and expanding financing channels for biodiversity protection and ecological agriculture [2].

Core Viewpoint - Focusing on comprehensive risk management, Funing Rural Commercial Bank is implementing a credit risk management model based on the default probability model from Jiangsu Rural Commercial Bank, which is integrated throughout the entire loan process to ensure the safety of credit funds [1] Group 1: Pre-loan Approval - The bank uses the default probability rating as a key basis for credit approval, specifying that E-class customers are not allowed to receive new or increased credit, while D-class customers require elevated approval [1] - The bank has reduced the proportion of E-class customers through exit and reduction strategies, with a reported exit rate of 11.5% for E-class customers this year [1] Group 2: Loan Management - During the loan management phase, the bank utilizes model data to identify high-risk institutions and customer managers, conducting "bottom-out" actions on 5 high-risk institutions [1] - The bank has restricted business permissions and promotion channels for 18 customer managers classified as level four and five high-risk, aiming to enhance their risk control capabilities through discussions and guidance [1] Group 3: Post-loan Management - The bank applies model data extensively in managing expired loans, segmenting existing loans, and identifying responsibilities for non-performing loans [1] - A differentiated collection strategy is implemented through the "1211" management mechanism, which categorizes responsibilities for customers who did not pass the model assessment and increases accountability for high-default customers [1] Group 4: Future Plans - The bank plans to continuously upgrade its risk measurement capabilities and optimize management mechanisms to steadily improve the quality of credit assets [2]

Core Viewpoint - Funing Rural Commercial Bank is collaborating with Tianyi Trading to create a "scene finance" ecosystem, enhancing financial services and supporting local economic development [1] Group 1: Partnership and Collaboration - The bank has migrated Tianyi Trading's payment system to a unified payment system, resulting in nearly 1 million transactions totaling over 31 million yuan since its launch in May 2025 [1] - The collaboration has led to the establishment of corporate accounts for six Tianyi Trading stores and payroll services for 120 employees, achieving a 100% social security card coverage rate [1] Group 2: Financial Support and Services - The bank has connected with over 40 upstream suppliers of Tianyi Trading, changing their settlement channels to social security card accounts [1] - Pre-credits have been provided to 140 delivery personnel to address financing challenges for flexible employment [1] - The bank has supported a corporate loan of 20 million yuan for Tianyi Trading [1] Group 3: Future Plans - Funing Rural Commercial Bank plans to replicate this model and expand into other ecosystems such as "retail + transportation" and "retail + food," aiming to broaden service boundaries and contribute to high-quality regional economic development [1]

Core Viewpoint - The Jiangsu provincial government has introduced measures to promote the yacht industry, aiming to enhance modern service levels and meet the growing demand for leisure activities among the public [1][2]. Group 1: Promoting Yacht Consumption - The government plans to lower the barriers to yacht experiences by exploring yacht rental services, allowing clubs to offer rentals and driving services for yachts with up to 12 passengers [1]. - A comprehensive management system for yacht rentals will be established, covering registration, behavior norms, contracts, and safety responsibilities to ensure safe water transportation [1]. Group 2: Developing Yacht Tourism Products - The focus will be on creating unique tourism products that cater to the public's demand for yacht experiences, including ecological sightseeing, leisure vacations, and water sports [1]. - Activities such as yacht safety trials, experiential lectures, and immersive participation methods will be organized to enhance public engagement and expand the consumer base [1]. Group 3: Encouraging Yacht Events and Competitions - The government encourages the integration of outdoor sports with yacht experiences, promoting water sports and yacht-related events in cities like Wuxi, Suzhou, and Lianyungang [2]. - There will be support for organizing yacht-related competitions to enhance industry collaboration and increase the visibility of Jiangsu's yacht sector [2]. Group 4: Strengthening Industry Promotion - A dual approach of internal development and external collaboration will be adopted to enhance yacht exhibition and promotion systems, including hosting yacht tourism promotion events during local festivals [2]. - Jiangsu yacht manufacturers will be supported in participating in international yacht exhibitions to showcase their technology and products, aiming to expand the market beyond the province [2]. Group 5: Comprehensive Development Measures - The measures also include innovations in government services, improving overall service quality, enhancing research and manufacturing capabilities, and creating a favorable development environment for the yacht industry [2][3].

Core Insights - The official launch of the Qincheng OPC Community in Nanjing's Hexi Central Innovation Zone marks a significant step in the implementation of the "All in AI" strategy, establishing a new benchmark for individual entrepreneurship in the AI era [1] Group 1: Innovation Ecosystem - The OPC (One Person Company) concept has evolved to mean "individual + AI as a company," allowing individuals to independently complete the entire product lifecycle from design to market launch with AI support [2] - The Qincheng OPC Community is not a traditional incubator but a resilient and warm innovation ecosystem, developed in collaboration with Alibaba and is the largest OPC community in Jiangsu Province, focusing on AI as the primary industry [2] - The community aims to break away from traditional reliance on government policies and state-owned enterprises, exploring a new co-construction model driven by major companies, government policy support, and market mechanisms [2] Group 2: Collaboration and Support - Alibaba will deeply integrate into the community by providing physical space, technology platforms, application scenarios, and access to investment channels for outstanding projects, ensuring continuous support in technology, capital, and traffic [3] - The Hexi Central Innovation Zone will focus on precise policy supply, efficient government services, and a favorable industrial environment, creating a full-chain transformation system from technology research and development to industrial landing [3] Group 3: Community Features and Future Plans - The Qincheng OPC Community is located in the Nanjing Alibaba Center and currently hosts over 30 entrepreneurial teams, with plans to introduce advanced shared workspaces and intelligent facilities to adapt to the new entrepreneurial model [4] - Future plans include establishing over 50,000 square meters of dedicated OPC community space and promoting the model with leading companies like Hengsheng Electronics and JD's Nanjing R&D Center, aiming for a total of over 100,000 square meters in the region [4] - The community offers a "six-in-one" exclusive rights package to support entrepreneurs, including a community manager, an intelligent platform, integrated service stations, practical training camps, shared communication spaces, and a special policy package [5]

Core Insights - The article highlights the recognition of Nantong Rudong Branch as a "Sustained Outstanding Contribution Golden Bull Enterprise," reflecting its significant tax contributions and role in local economic development [1][4] - The branch has been actively supporting small and medium-sized enterprises (SMEs) through innovative financial products and optimized credit approval processes, addressing the challenges of financing [2][3] Group 1: Awards and Recognition - The 17th Rudong Coastal Economic Development Zone Cooperation Negotiation Conference awarded the "Golden Bull Award" to 40 outstanding enterprises, with Nantong Rudong Branch being a repeat winner for its contributions exceeding 50 million yuan in annual taxes [1] - The award aims to encourage entrepreneurs to strive for excellence in the innovation and development of the real economy [4] Group 2: Financial Services and Support - Nantong Rudong Branch focuses on serving the real economy by offering tailored financial products like "Inclusive Specialized and New Loans" and "Easy Loans," effectively addressing the financing difficulties faced by enterprises [2] - The branch has successfully disbursed 170 million yuan in microloans and 104.5 million yuan in "Ruyi Insurance," utilizing diverse financial tools to support stable growth for businesses [2] Group 3: Organizational Development and Governance - The branch emphasizes political construction and has conducted numerous theoretical learning sessions to align with the spirit of the 20th National Congress of the Communist Party of China [2] - It has established a comprehensive grassroots structure with 13 branches covering all service points, enhancing its operational effectiveness and governance [2] Group 4: Risk Management and Future Strategy - The branch employs a proactive risk management approach, including the establishment of mechanisms to prevent illegal fundraising and monitor abnormal activities [3] - It aims to contribute to local economic stability and industrial upgrades by continuously engaging in community financial education and providing flexible financial solutions [3][4]

Core Insights - The article highlights the successful implementation of the "工赢智造 百日攻坚" marketing initiative by the International Business Department of ICBC Nantong Branch, which significantly enhanced the market share and foreign exchange competitiveness of the Rugao Branch through targeted marketing strategies and innovative financial solutions [1][2][3] Group 1: Professional Assessment and Demand Identification - The International Business Department guided the Rugao Branch to adopt a tiered marketing strategy, focusing on the specific needs of leading enterprises in the region, particularly addressing the core demands of a key cross-border payment client [1] Group 2: Solution Leadership and Product Innovation - A specialized marketing team was formed to engage directly with the financial executives of enterprises, leading to the development of a comprehensive service solution that integrated various financial products to address the full spectrum of client needs [2] Group 3: Collaborative Execution and Market Efficiency - The International Business Department coordinated resources effectively, utilizing competitive advantages to facilitate large-scale transactions and innovative financing solutions, which significantly reduced financial costs for clients and improved service efficiency [2] Group 4: Comprehensive Benefits and Deepened Cooperation - The marketing initiative resulted in substantial cross-border payments and trade financing, enhancing customer satisfaction and trust, while validating the effectiveness of the collaborative model between specialized departments and branch execution [3] - Future strategies will focus on deepening engagement with leading clients and replicating successful marketing models to support high-quality development in foreign exchange business [3]

开展业务大练兵，提升业务技能。为帮助新员工在适岗阶段快速成长，该行通过师徒签约方式为每一名 新员工配备业务骨干作为导师，实行"一对一"带教方式，指导业务知识与基础技能学习，发挥"传帮 带"作用。为确保培养效果，支行要求导师每周上报所带员工技能练习的时间与进步情况。同时，支行 在9月末组织近两年进行的30余名大学生举办了基础技能大赛，内容包括点钞、汉字录入与翻打传票 等，评选技能优胜选手并进行颁奖，由此进一步激发员工的工作热情与荣誉感，为今后更快地适岗工作 打下坚实基础。 搭建思想沟通的桥梁，增强归属感与使命感。该行第一时间举办新员工座谈会，新员工们介绍个人成长 经历与兴趣特长，畅谈职业理想与未来规划，为支行发展建言献策，支行党总支书记、纪检委员分别介 绍工行的发展历程、企业文化、市场地位、经营战略、合规制度等概况，并对新员工提出殷切期望：做 好职业规划、持续加强学习、提升业务技能、注重团队精神、坚守廉洁合规底线、树立正确的人生观价 值观。良好的交流增强了新员工的信心与归属感，为迅速融入工行大家庭创造了良好的思想氛围。 开展廉洁合规制度培训，筑牢思想根基。9月初，为帮助新员工牢固树立廉洁合规意识与正确的人生观 ...

下一步，工行南通海安支行将聚焦普法宣传的精准性与实效性，着力提升全民金融素养与风险防范能 力，为构建和谐金融生态贡献力量。 拓展周边，延伸普法宣传触角。在持续巩固网点宣传主阵地的基础上，该行积极组织业务骨干，主动走 出去，深入周边商圈、社区与主要街道，开展"面对面、零距离"的普法宣讲。通过设置临时咨询点、发 放宣传折页、现场答疑解惑等多种形式，将反诈骗、防非法集资、消费者权益保护等实用金融法律知 识，精准送达商户经营者与普通市民身边，有效拓宽了宣传覆盖面，增强了普法工作的针对性与实效 性。 以案为鉴，筑牢风险防范意识。活动期间，一位老年客户到网点咨询大额转账业务，工作人员询问汇款 用途时，客户称是用于购买一款"神药"，并介绍这款药疗效惊人，号称能让中风瘫痪的患者"药到病 除"，大堂经理结合近期普法内容，敏锐察觉其可能正遭遇集资诈骗，随即耐心向其讲解相关法律知识 与类似案例，成功劝阻了客户转账，避免了其财产损失。该案例生动体现了该行普法宣传在保护金融消 费者权益、维护社会稳定方面发挥的切实作用。 江南时报讯 为积极践行金融机构的社会责任，营造良好的法治金融环境，工行南通海安支行于近日组 织开展了"法暖万家"普法 ...