Core Insights - Jiangnan Rural Commercial Bank leverages its advantages as a local bank to support agricultural and small enterprises, enhance digital transformation, and improve financial technology effectiveness to foster local economic development [1] Group 1: Support for Agriculture and Small Enterprises - The bank emphasizes its role in providing inclusive financial services, addressing financing challenges for small and scattered customer groups [1] - The "Jiangnan Micro" brand, launched in March 2024, has supported customer financing of 1.8 billion yuan, utilizing 130 staff across 14 teams to extend services to long-tail customers [2] - The "Sunshine Loan" product has been upgraded, with a balance of 21.63 billion yuan as of June, reflecting a 16.3% increase from the beginning of the year [2] - Small loans under 10 million yuan have surpassed 100 billion yuan, enhancing the quality and quantity of inclusive financial loans [2] Group 2: Support for Local Economic Development - The bank aligns its financial services with provincial and municipal strategic goals, focusing on key projects and industries such as advanced manufacturing and green finance [3] - Loans to local manufacturing enterprises reached 67.21 billion yuan, a 4.2% increase from the start of the year, accounting for 25% of the local market [4] - The balance of loans to private enterprises was 196.55 billion yuan, making up 51.6% of total loans [4] - Green finance loans increased by 35.2% to 34.87 billion yuan, with a focus on carbon reduction initiatives [4] Group 3: Digital Transformation and Financial Technology - The bank is enhancing its digital capabilities, with a self-developed ratio of 37.1%, and is applying big data and AI in various operational areas [5] - The bank has launched over 400 customer identification tags and 35 AI assistants to improve service efficiency [6] - The "Smart Canteen" initiative has partnered with 4,217 units, serving 386,000 users, while the "Smart Medical" platform has registered 1.85 million users [6] - The "Jiangnan Good Life" platform has facilitated 254,000 transactions, marking a 159.2% year-on-year increase [6]
江南农商银行:落子关键领域 推动地方经济社会高质量发展
Xin Hua Ri Bao·2025-08-27 07:29