ZJB(SH:601860) Jiang Nan Shi Bao·2025-11-07 09:08Core Viewpoint - Zijin Rural Commercial Bank emphasizes its commitment to serving the "three rural issues" (agriculture, rural areas, and farmers) as the foundation of its operations and development, achieving a significant increase in inclusive agricultural loans to support rural revitalization [1] Group 1: Financial Performance - As of September 2025, the bank's inclusive agricultural loan balance reached 3.659 billion yuan, an increase of 211 million yuan from the beginning of the year, representing a growth rate of 6.12%, which is higher than the average growth rate of the bank's loans [1] Group 2: Service System Development - The bank has established a specialized "Three Rural Center" to coordinate agricultural financial services and tailor financial solutions for agricultural stakeholders [2] - A comprehensive product matrix centered around the "Jinling Huinong Series" has been developed, covering various loan products, with a cumulative balance of 4.77 billion yuan as of September 2025 [2] - The approval process for agricultural loans has been significantly streamlined, with loans under 10 million yuan approved within one day and online processing for loans under 300,000 yuan [2] Group 3: Support for Agricultural Development - The bank has conducted extensive outreach to 32,89 new agricultural operating entities and 266,000 farmers to accurately assess their needs [3] - It has provided credit to 260 industrial chain enterprises, amounting to 680 million yuan, and supported major agricultural projects in Nanjing with loans totaling 420 million yuan [3] - Loans of 220 million yuan have been issued to support the construction of basic and high-standard farmland, reinforcing the foundation for food production [3] Group 4: Enhancing Rural Quality of Life - The bank has completed whole-village credit assessments for 463 villages, covering 5.2552 million households, with total loans amounting to 2.067 billion yuan [4] - It has established 384 inclusive financial service points, achieving full coverage of rural communities, and processed 413,000 transactions since 2025 [4] - The bank has launched an online live-streaming platform, "Zijin Youxuan," conducting 22 live-streaming events with 2.47 million views and sales exceeding 3.74 million yuan [4]