江西万载农商银行多维度、立体化创新赋能民营经济

Core Viewpoint - Jiangxi Wanzai Rural Commercial Bank is enhancing financial support for private enterprises to facilitate their integration into the new development pattern, having provided over 3.483 billion yuan in credit to 478 private enterprises this year, an increase of over 284 million yuan compared to the same period last year [1] Group 1: Financial Support Initiatives - The bank has established a strategic cooperation platform with the county grain and oil industrialization development association, providing a pre-approved credit limit of 1 billion yuan to support agricultural industry development [2] - Wanzai Rural Commercial Bank has provided a total of 13.5 million yuan in loan support to enterprises through a tripartite cooperation, benefiting over 20,000 local farmers [3] Group 2: Tailored Financial Products - The bank has customized financial products for enterprises, including working capital loans, small and medium-sized enterprise guarantee loans, and science and technology loans, to meet the funding needs during critical agricultural periods [2] - The bank proactively contacted a construction materials company to renew a 3 million yuan loan before its due date, reducing the interest rate by 200 basis points to alleviate the company's financial burden [4] Group 3: Cost Reduction Measures - The bank has implemented a series of cost-reduction measures to lower financing costs and improve the business environment, resulting in a cumulative decrease of over 100 basis points in loan interest rates over the past three years [5] Group 4: Comprehensive Service Approach - Wanzai Rural Commercial Bank has been actively engaging with local enterprises, conducting extensive visits and research to better understand their financial needs and extend services throughout the entire lifecycle of lithium battery-related businesses [7] - The bank aims to provide more precise, efficient, and heartfelt services to private enterprises, adopting a "companion-style" service approach to support their growth [8]