Zheng Quan Ri Bao Zhi Sheng·2025-11-24 00:40Core Viewpoint - Postal Savings Bank of China (PSBC) in Luliang has effectively supported local economic development by focusing on the "three rural issues," small and medium enterprises, and community services through diversified products and efficient services [1] Group 1: Financial Support for Local Industries - PSBC Luliang Branch has invested over 400 million yuan in the red date industry, serving 340 clients, with a loan balance of 57.22 million yuan as of October [2] - In the liquor industry of Fen Yang, PSBC has established a specialized credit service mechanism for over 400 e-commerce and liquor businesses, disbursing 10.2 million yuan in loans [2] - The bank has provided over 5 billion yuan in loans to various local industries, serving 12,000 business entities by the end of October [2] Group 2: Comprehensive Financial Service System - PSBC Luliang Branch has developed a comprehensive financial service system that includes industry research, product innovation, precise matching, and efficiency enhancement to align financial services with industry development [3] - The bank has formed a specialized service team led by the branch president to conduct in-depth visits to industry parks, enterprises, and farms across Luliang, creating a detailed service ledger for each industry [3] Group 3: Product Innovation and Service Efficiency - The bank has created a diverse credit product matrix tailored to the entire lifecycle of industries, including products like "Express Loan" and "Business Loan" for small businesses, which require no collateral and offer quick approval [4] - For long-term funding needs, PSBC has optimized products like "Industry Chain Loans" and "Fixed Asset Loans," providing flexible repayment options and preferential interest rates [4] - The bank has streamlined its approval process for specialty industry loans, ensuring completion from application to approval within 8 working days, and promoting online applications and door-to-door services [4]