以差异化特色化经营书写普惠金融“大文章”

Core Viewpoint - Jiangsu Changjiang Commercial Bank has been committed to serving small and micro enterprises, aligning with the national inclusive finance strategy, and focusing on high-quality development in the inclusive finance sector [1] Group 1: Efficiency in Service - The bank emphasizes efficiency to meet the "short, frequent, and urgent" funding needs of small and micro clients, implementing a time-limited completion system for loan processing [2] - Credit loans are required to be completed within 3 working days, while secured loans should be finalized within 5 working days [2] - The bank has accelerated its digital transformation, allowing small enterprises to complete the entire loan process online, with credit limits known in as little as 3 minutes [2] Group 2: Long-term Partnerships - The bank has established long-term relationships with clients, exemplified by a client who has been with the bank for 11 years, experiencing significant business growth with the bank's support [3] - In the first five months of this year, the bank issued loans to 12,310 small micro enterprises, totaling 14.936 billion yuan, with 2,147 first-time borrowers receiving 865 million yuan [3] Group 3: Localized Services - The bank actively responds to rural revitalization strategies by innovating financial products and services tailored to local needs, providing comprehensive financing solutions for agriculture [4] - A dedicated team of nearly 600 staff engages directly with small enterprises and agricultural clients to understand their financial needs and deliver targeted services [4] Group 4: Commitment to Customer Service - The bank prioritizes service quality, with 1.83 million accounts opened, and has created specialized service areas in branches to enhance customer experience [5][6] - The bank offers personalized services for elderly clients, including large print banking materials and financial education programs [6] - Jiangsu Changjiang Commercial Bank aims to maintain its focus on inclusive finance, striving to become a respected first-class boutique bank while enhancing its service offerings [6]