南通农商银行以金融“活水”浇灌长三角高质量发展沃土

Core Viewpoint - Nantong Rural Commercial Bank is actively implementing the national Yangtze River Delta integration development strategy, focusing on four main lines: industrial collaboration, inclusive finance, green transformation, and digital empowerment, to drive high-quality economic development in the region [1] Group 1: Financial Performance - As of mid-year, the bank's total loan balance reached 65.921 billion yuan, with a net increase of 3.626 billion yuan, representing a growth rate of 5.82% [1] - The balance of green loans amounted to 84.1908 million yuan, indicating a positive development trend [1] Group 2: Organizational Structure and Talent Development - A green finance working group was established, led by the bank's president, to enhance organizational structure, system construction, and service models, ensuring robust support for the Yangtze River Delta integration development [1] - The bank has created a three-dimensional training system focusing on layered training, practical transformation, and incentive guidance to enhance staff capabilities in green finance [1] Group 3: Green Finance Initiatives - The bank has implemented a "dual-track assessment" mechanism to allocate credit resources effectively, increasing support for green industries such as low-carbon and circular economies [2] - A product matrix including "Green Energy Loan," "Pollution Rights Loan," and "Environmental Loan" has been developed to support projects related to energy conservation, pollution prevention, and ecological restoration [2] - The maximum interest rate for green loans is capped at LPR plus 80 basis points, demonstrating the bank's commitment to benefiting the real economy [2] Group 4: Future Development Strategy - The bank plans to continue its four-dimensional integration strategy of industry, finance, technology, and talent, focusing on product innovation, government-enterprise cooperation, and talent cultivation [3] - Future product development will include carbon emission rights pledge financing and green supply chain finance to support the green transformation of traditional industries [3] - The bank aims to enhance collaboration with government departments and research institutions to create a green industry fund, establishing a virtuous cycle of policy guidance, resource aggregation, and value closure [3]