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金融力量焕新乡村沃土 惠州农商银行“三向发力”服务“百千万工程”
Nan Fang Du Shi Bao·2025-07-03 23:15

Core Viewpoint - Huizhou Rural Commercial Bank is actively promoting rural revitalization through financial empowerment, focusing on inclusive finance and technological innovation to support high-quality development in Guangdong Province [2][3]. Group 1: Financial Services Innovation - The bank has launched the "Rural Financial (Inclusive) Household Connection" project, transforming traditional financial services from a passive to an active model, with customer managers visiting 1.28 million households to establish dynamic financial profiles [3]. - A case study highlights the bank's quick response to a flower nursery's funding needs, showcasing the effectiveness of tailored financing solutions, resulting in an increase in inclusive loan accounts to 85,000 by May 2025 [3]. Group 2: Technological Advancements - Huizhou Rural Commercial Bank has developed a self-service inclusive credit system that integrates automation, online services, and AI, significantly reducing loan processing times from 7 days to as fast as 3 minutes [4]. - By May 2025, the bank had issued loans totaling 17.056 billion yuan through this system, with nearly 60% of the loans coming from the new channels [4]. Group 3: Community Engagement and Support - The bank's "Five Ones" initiative aims to strengthen rural financial infrastructure, ensuring comprehensive coverage of party organizations, financial representatives, and government service machines across villages [5]. - The implementation of comprehensive credit assessments in 311 administrative villages has resulted in over 54.2 billion yuan in credit support, benefiting more than 470,000 households [6]. Group 4: Agricultural and Economic Support - The bank has established a "green channel" for inclusive agricultural loans, providing 23 million yuan in interest-free loans to a leading agricultural enterprise, thereby alleviating financial pressure and promoting job creation [6]. - By May 2025, the bank's agricultural loan balance reached 18.045 billion yuan, with 4.058 billion yuan allocated specifically for inclusive agricultural loans, demonstrating its commitment to rural industry revitalization [6].