常熟农商银行“三化”服务激活民营经济发展新动能

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]