灌云农商银行激活实体发展新动能

Core Viewpoint - Jiangyin Rural Commercial Bank is focusing on providing precise services, innovative products, and digital momentum to support the development of the county economy, aligning with the financial service strategy of "Five Major Articles" [1] Group 1: Optimizing Credit Structure - The bank prioritizes adjusting its credit layout to support the transformation of county industries, increasing support for manufacturing and technology enterprises [3] - The bank has engaged with 5,109 key enterprises and emerging industry entities, including 81 specialized and innovative enterprises, to create targeted financing plans, resulting in a total credit issuance of 400 million yuan [3] Group 2: Innovative Financial Products - To address the financing bottlenecks faced by small and micro enterprises lacking collateral, the bank has launched the "Yunqi Yidai" online product, which provides credit or flexible guarantee financing options based on integrated business data and tax records [5] - The bank is exploring diverse business models such as syndicate loans and direct bill discounting to create a comprehensive product system that meets the funding needs of enterprises at different development stages [5] Group 3: Enhancing Service Collaboration - The bank promotes a "Party Building + Finance" model, encouraging executives and middle management to participate deeply in local economic development, establishing a special service mechanism for major projects [7] - An internal referral collaboration mechanism has been improved to enhance the bank's service efficiency, creating a service pattern of "top-down linkage and departmental collaboration" [7] Group 4: Strengthening Risk Control - The bank integrates risk control throughout the entire business process, establishing a risk control system that includes strict pre-loan reviews, detailed mid-loan management, and close post-loan tracking [9] - The bank dynamically monitors the operational status of enterprises and optimizes risk warning mechanisms to ensure the safety of credit funds while balancing support for enterprise development and financial security [9] Group 5: Promoting Technology Empowerment - Leveraging financial technology, the bank accelerates the promotion of online products like "Yunqi Yidai," achieving full digitalization of the loan application, approval, and disbursement process, significantly reducing service time and financing costs for enterprises [11] - The bank is actively exploring services in capital markets, such as bond underwriting, to upgrade financial services towards diversification and intelligence, helping enterprises expand financing channels and embrace new opportunities in the digital economy [11]