发扬“三水精神” 争当地方经济社会发展的金融生力军

Core Viewpoint - The article highlights the efforts of Lianjiang Hengxin Village Bank in promoting rural revitalization and supporting small and micro enterprises through financial services, aiming to become a "bank for the people of Lianjiang" [1][2]. Group 1: Service and Financial Support - Lianjiang Hengxin Village Bank invests at least 300 million yuan annually in credit funds for agriculture, fisheries, and small enterprises, enhancing local economic development [2]. - As of the end of 2024, the bank's deposit and loan scale exceeds 5.4 billion yuan, with over 80,000 customers and cumulative loans exceeding 18 billion yuan, ranking second among village banks in Fujian Province [2]. Group 2: Innovative Business Model - The bank has developed a unique "Lianjiang model" based on the "Cangnan model," focusing on low-cost community branch structures and flexible loan approval processes [3][6]. - The establishment of a grid system in April 2024 has allowed the bank to actively engage with rural communities, completing credit documentation for 60,000 households and signing credit agreements for 15,000 households [3]. Group 3: Community Engagement Initiatives - The bank has implemented five major projects to enhance financial services, including comprehensive credit assessments and financial needs surveys in rural areas [4][5]. - The bank's marketing team conducts regular visits to individual businesses and small enterprises, completing documentation for 400 small businesses in 2024 [5]. Group 4: Targeted Customer Service - The bank has established a market response team to adapt product strategies based on market research, offering preferential rates for first-time borrowers [6]. - The bank has developed region-specific loan products to enhance brand recognition and attract customers [6]. Group 5: Social Responsibility - Lianjiang Hengxin Village Bank actively participates in charitable activities, donating over 1.45 million yuan to support education for underprivileged students and conducting community outreach programs [7]. - The bank has set up 13 "warm heart stations" to provide services for outdoor workers, demonstrating its commitment to social welfare [7].