从“融”出发，向“实”而行——江南农商行护航民营经济新篇章

Core Insights - Jiangnan Rural Commercial Bank is actively supporting the development of the private economy in Changzhou, with a focus on providing comprehensive financial services to private enterprises [1][2][4] Financial Support and Services - By the end of 2024, Changzhou's market will have 864,400 business entities with a registered capital of 2.73 trillion yuan, with private enterprises making up 836,000 of these [1] - As of March 2023, the bank's loans to private enterprises reached 193.34 billion yuan, an increase of 3.36 billion yuan or 1.77% since the beginning of the year [1] - The bank has developed a multi-layered financial service system that includes settlement and wealth management, enhancing support for quality private enterprises while simplifying approval processes [2] Innovation in Financial Products - Jiangnan Rural Commercial Bank has introduced various specialized loan products tailored to different industries and stages of development, such as "Jiangnan Science Loan" and "Jiangnan Rong E Chain" [1][2] - The bank's mid-to-long-term loans for private enterprises reached 25.63 billion yuan by March 2023, an increase of 4.99 billion yuan or 24.19% year-on-year, supporting long-term investments and technological upgrades [2] Technology and Risk Management - The bank is leveraging financial technology to enhance services for the private economy, including a self-developed supply chain finance platform that has recognized 4,841 core enterprises and provided credit to 77,700 new enterprises [3] - The bank employs big data analytics to assess credit risks accurately, ensuring fund security and reducing financing costs for quality enterprises [2] Long-term Mechanisms and Strategic Goals - Jiangnan Rural Commercial Bank has established long-term mechanisms to continuously support the private economy, including setting annual service goals and creating a scientific incentive system [3][4] - The bank aims to enhance the quality and efficiency of financial services, contributing to the high-quality development of the private economy and supporting the modernization efforts in Changzhou [4]