泰州农商银行：以金融创新赋能地方高质量发展
Jiang Nan Shi Bao·2025-10-23 01:03

Core Insights - Taizhou Rural Commercial Bank is focusing on serving the real economy and supporting rural revitalization through innovative financial models and technology empowerment [1][2][3] - The bank aims to enhance financial support for local economic development by exploring unique paths in technology finance and green finance [1] Group 1: Technology Finance - The bank addresses the financing challenges faced by technology-based SMEs by creating a dual assessment system that evaluates both hard assets and soft strengths, allowing "technical strength" to be converted into "development funds" [1] - A case study highlights the bank's support for a technology company with no loan history, where it recognized the value of both physical assets and intellectual property, classifying it as a key support target for technology credit [1][2] - The bank customized a service plan for the company, providing a two-year credit line of several million yuan with a low interest rate of 1.7% after applying for government subsidies [2] Group 2: Green Finance - Taizhou Rural Commercial Bank integrates green concepts into its operations, focusing on carbon reduction and environmental governance through product innovation and targeted support [2][3] - The bank has launched products like "Green Carbon Loan" linked to carbon emission monitoring data and "Environmental Loan" aimed at projects in pollution prevention and ecological restoration [2] - The bank prioritizes green projects in its lending practices, simplifying approval processes and actively engaging with new energy industrial parks to meet financing needs for green industries [3] Group 3: Commitment to Local Development - The bank is committed to its local positioning and aims to deepen its "Five Major Articles" practice by providing more precise services and innovative products to nourish the real economy [3] - The bank's actions reflect its mission to support both technology enterprises and green industries, contributing to high-quality local development [3]