深耕乡土践初心 “三访三问”润春苗——句容农商银行以创新服务赋能乡村振兴

Core Viewpoint - Jiangsu Jurong Rural Commercial Bank is committed to enhancing financial services for agriculture, rural areas, and farmers by innovating service methods and optimizing service models to improve accessibility and coverage of financial services [1] Group 1: Service Mechanism - The bank implements a "Three Visits and Three Questions" mechanism to accurately address grassroots needs by engaging with village committees, farmers, and local industries [2] - By visiting village committees, the bank identifies development challenges and provides strategic advice for village economic development [2] - The bank's staff visit farmers to understand their production conditions and financing needs, ensuring targeted financial services [2] - The bank also engages with local agricultural businesses to identify financial service bottlenecks across the industry chain, transforming from a passive to an active service provider [2] Group 2: Innovative Financial Services - To tackle traditional financing challenges such as lack of collateral and slow financing for agricultural entities, the bank innovates credit products and service models [3] - The bank successfully provided a 200,000 yuan credit loan to a returning entrepreneur for smart irrigation system implementation, utilizing a comprehensive assessment of various operational data [3] - The introduction of smart systems led to a 30% reduction in water usage and a 40% decrease in labor, significantly enhancing product quality and pricing [4]