江阴农商银行以特色经营作答金融“五篇大文章”

Core Insights - Jiangyin Rural Commercial Bank is addressing the homogenization challenges in the financial industry through "characteristic operations" and aims to reshape its growth logic while achieving high-quality development [1] Group 1: Technology Innovation - The bank has implemented the "Science and Technology Innovation Jiangyin" strategy, focusing on technology finance as a strategic priority, aiming to become a regional innovation "enabler" [3] - As of September 2025, the bank has covered 64% of over 3,700 key technology innovation enterprises in Jiangyin, with a credit coverage of 30% and a total credit scale of 16.93 billion [3] - The loan balance for technology enterprises stands at 15.976 billion, with loans to "specialized, refined, distinctive, and innovative" enterprises amounting to 9.553 billion [3] Group 2: Green Finance - The bank has integrated green finance into its overall development strategy and initiated a pilot program for green branches, with Changjing Branch designated as a green branch [5] - The Changjing Branch has launched a green industry upgrade project in the Wujiaba area, involving a total investment of 500 million, with the branch providing a credit of 35 million, of which 10 million has been utilized [5] - The project is part of the Jiangyin Changjing Shunfeng Dyeing Park initiative, aimed at promoting the green and clean transformation of dyeing enterprises [5] Group 3: Support for Private Enterprises - The Zhouzhuang Branch serves as a pilot for supporting the private economy, conducting industry research and focusing on two core sectors: new metal materials and new energy [7] - The bank offers tailored financial products for private enterprises, including supply chain financing for metal new materials and green credit for new energy companies [7] - As of October 2025, the Zhouzhuang Branch has 413 corporate loan accounts, an increase of 65 from 2024, and 359 inclusive loan accounts, an increase of 66 from 2024 [7]