紫金农商银行助推经济向“新”图强

Core Viewpoint - The article emphasizes the importance of integrating technological innovation with industrial development in Jiangsu, highlighting the role of financial institutions like Zijin Rural Commercial Bank in supporting this integration through tailored financial services and products for technology enterprises [1][2]. Group 1: Strategic Framework - Zijin Rural Commercial Bank has established a three-year strategic plan for technological finance development, prioritizing support for technology enterprises with dedicated credit plans and performance assessments [2]. - The bank has created a "1+13+N" organizational structure to enhance collaboration between the central bank and regional branches, facilitating a comprehensive service network for technology enterprises [2]. - A unique operational model called "three specialties and five separations" has been implemented to improve approval efficiency while addressing the specific needs and risks of technology companies [2]. Group 2: Product Innovation - The bank is focused on developing a product system that caters to the entire lifecycle of technology enterprises, offering specialized loans and financial products tailored to different stages of business development [3][4]. - For startups, the bank provides entrepreneurial loans and services like payroll management, while for growing companies, it offers products such as "Su Zhi Loan" and "Su Ke Loan" to meet their financing needs [4]. - As of June 2025, the bank has served over 1,700 technology enterprises, disbursing more than 8 billion yuan in loans, reflecting a nearly 10 billion yuan increase compared to the previous year [4]. Group 3: Service System - Zijin Rural Commercial Bank actively engages in resource integration and precise outreach to technology enterprises, having visited and followed up with 27,000 technology companies this year [6]. - The bank collaborates with various technology parks and has established partnerships with six technology financial service stations in Nanjing to enhance service delivery and address information asymmetry between banks and enterprises [6]. - The bank aims to strengthen its technological finance framework and develop products that meet the specific needs of technology enterprises, ensuring a steady flow of capital to support new productive forces [7].