南雄农商银行精准施策赋能小微企业发展

Core Viewpoint - Small and micro enterprises are crucial to the national economy, playing a significant role in promoting economic growth and stabilizing employment. Guangdong Nanhong Rural Commercial Bank is addressing the financing challenges faced by these enterprises through targeted initiatives like the "Thousand Enterprises and Ten Thousand Households" outreach program [1][2]. Group 1: Financial Support Initiatives - Nanhong Rural Commercial Bank has conducted visits to 314 enterprises, providing a total credit amount of 1.882 billion yuan and a loan balance of 1.972 billion yuan for small and micro enterprises as of the end of April [1]. - The bank has implemented a comprehensive outreach program to assess the operational conditions and financing needs of small and micro enterprises, resulting in visits to 941 enterprises this year [2]. Group 2: Collaborative Mechanisms - The bank has established a platform for cooperation among government, industrial parks, and enterprises to facilitate financial services, enhancing the effectiveness of the "Thousand Enterprises and Ten Thousand Households" initiative [3]. - A partnership agreement was signed with the Nanhong City Federation of Industry and Commerce, allowing for a pre-approval credit line of 3.2 billion yuan to support private enterprises [3]. Group 3: Tailored Financial Products - Nanhong Rural Commercial Bank has developed customized financial service plans based on the specific needs of enterprises, including a loan of 3 million yuan with an 8-year term for a high-tech energy company facing funding shortages [4]. - The bank has introduced various specialized credit products such as "Park Development Loan," "Inclusive Micro Loan," and "Water Extraction Loan" to better meet the financing needs of small and micro enterprises [4].