山东东营农商银行：“新范式”金融服务 助企业高质量发展

Core Viewpoint - Shandong Dongying Rural Commercial Bank is innovating its financial services to better meet the diverse needs of enterprise clients, focusing on a multi-layered and practical approach to empower high-quality development for businesses [1]. Group 1: "Incorporation" of Services - The bank has implemented an "Incorporation" approach by visiting enterprises like Shandong Jianda Construction Group to understand their development, business layout, and financial needs, thereby providing targeted financial service solutions [2]. - The bank's initiative, "Thousand Enterprises and Ten Thousand Households Visits," aims to comprehensively assess the operational status and financing needs of enterprises, resulting in an increase of 1.1 billion in the balance of entity loans to 17.4 billion [2]. Group 2: "Top Placement" of Services - The bank has introduced a "Top Placement" service model, offering on-site assistance for social security card applications, which has been well-received by employees of companies like Guangtong Construction [3]. - The bank has provided on-site services to over 60 enterprises this year, addressing challenges in social security card processing and enhancing operational efficiency for businesses [3]. Group 3: "Forward Movement" of Services - The bank has established a dedicated service window at the Dongying District Government Service Hall to facilitate seamless financial services for enterprises, enhancing customer satisfaction [4][5]. - Since its establishment in May, the service window has assisted over 30 clients and successfully resolved financing issues for two enterprises, demonstrating effective collaboration between financial and governmental services [5]. Group 4: "Walking" Class for Empowerment - The bank has organized "Walking" classes, such as legal education sessions at a drone training school, to enhance the legal awareness of small enterprises and promote compliance [7]. - The bank has conducted 43 educational sessions this year, focusing on financial knowledge and legal rights, thereby empowering enterprises for high-quality development [7].