徐州农商银行“机制活水”精准润泽小微企业

Core Insights - Xu Zhou Rural Commercial Bank actively addresses the long-standing financing difficulties faced by small and micro enterprises through innovative measures, effectively promoting high-quality development in the local economy [1][2] Group 1: Service Innovation - The bank has established a clear "responsibility area" for each of its 102 branches, ensuring precise service coverage and direct access to credit resources for small and micro enterprises [1] - By integrating party member resources into a "financial pioneer team," the bank enhances grassroots service delivery, utilizing a "grid + big data" model to analyze financing needs and understand the operational challenges of enterprises [1] Group 2: Financing Efficiency - Xu Zhou Rural Commercial Bank has optimized internal processes to create dedicated financing channels, significantly improving the efficiency of loan approvals for small and micro enterprises [2] - A case study of a small technology manufacturing company illustrates the effectiveness of this mechanism, where the bank provided a timely loan of 2 million yuan, enabling the company to fulfill a large order and establish a stable partnership with its core client [2]