Jin Rong Shi Bao·2025-08-08 07:58Core Insights - Postal Savings Bank of China (PSBC) Hunan Xiangtan Branch has significantly increased its loan disbursement, reaching a total of 2.125 billion yuan by the end of January 2025, which is an increase of 1.111 billion yuan year-on-year, with a net increase of 918 million yuan in various loans, reflecting a growth rate of 153.79% [1] Group 1: Financial Support and Services - The bank has established a unique inclusive financial ecosystem tailored to the economic characteristics of Xiangtan, focusing on supporting key industries and enterprises, particularly in advanced manufacturing and strategic emerging industries [2] - The "Science and Technology Innovation Enterprise Growth Partner Program" was launched to integrate financial and intellectual support for small and medium-sized enterprises, resulting in a net increase of 880 million yuan in science and technology loans in 2024 and an additional 130 million yuan in 2025 [2] - The bank has opened a green loan channel for national-level specialized and innovative "little giant" enterprises, providing a 30 million yuan working capital loan to a manufacturing company in Xiangtan to assist with equipment upgrades [3] Group 2: Agricultural and Rural Development - The bank has committed to serving the agricultural sector, with agricultural loans increasing by 46 million yuan since the beginning of the year, contributing to the modernization of agriculture and rural areas [4] - A comprehensive service plan for the grain industry has been developed, supporting stable grain production and supply, while also enhancing financial support for rural infrastructure projects, including a 63 million yuan loan for high-standard farmland construction [4][5] Group 3: Digital Transformation - The bank is accelerating its digital transformation by utilizing big data and artificial intelligence to optimize business processes and enhance risk management capabilities [7] - Online platforms have been developed to provide convenient financial services, particularly for small and micro enterprises and rural customers, with a net increase of 260 million yuan in inclusive small and micro enterprise loans in 2024 [7] - The "Postal E-Chain" platform has been utilized to integrate rural industry chain information, achieving a completion rate of 241.7% for the "Rural Revitalization Industry Loan" program, with a total of 60.43 million yuan disbursed since 2024 [7]