Zheng Quan Ri Bao Zhi Sheng·2025-08-09 15:11Core Viewpoint - The growth of Jiangxi Zhongyan Food Company is significantly attributed to the support from Postal Savings Bank, which provided timely financial assistance and tailored repayment plans to meet the company's operational needs [1][2][3]. Group 1: Company Growth and Financial Support - Jiangxi Zhongyan Food Company experienced a 40% year-on-year increase in order volume two years ago, leading to a pressing need for bulk spice procurement to expand production [1]. - The company faced a critical situation with only three days' worth of spices in stock, and the timely approval of a 4.5 million yuan "quick loan" from Postal Savings Bank was described as "lifesaving" [2]. - After receiving the funds, the company's order delivery rate improved from 60% to 100% within the same month [2]. Group 2: Strategic Expansion and Cost Reduction - With the expansion of its market, the company aimed to source directly from producers in Inner Mongolia and Xinjiang, but faced challenges related to capital occupation and rising transportation costs [2]. - In May, the bank increased the company's credit limit to 9 million yuan, enabling direct contracts with local farmers, which reduced the procurement cost of raw sunflower seeds by 15% [2][3]. - Establishing a direct procurement base in Inner Mongolia allowed the company to save nearly 300,000 yuan in annual funding costs due to the elimination of middlemen and interest rate benefits [3]. Group 3: Bank's Role in Supporting SMEs - The growth of Zhongyan Food Company reflects the efforts of Postal Savings Bank's Yugan County branch in addressing the financing challenges faced by small and micro enterprises [3]. - The bank has formed a dedicated team to provide tailored financial solutions for local industries, including food processing and aquaculture, and has issued over 2.3 billion yuan in loans to 120 small and micro enterprises [3].