坚守支农支小 以“小额分散”的战略定力 打造“小而特、小而美、小而优”的“辉县样本”

Core Viewpoint - The article highlights the successful model of Huixian Zhujiang Rural Bank, which has effectively contributed to rural revitalization through innovative financial services tailored for local agricultural needs and small enterprises [1][11]. Group 1: Development and Achievements - Huixian Zhujiang Rural Bank, established in 2011, has grown to become a model of inclusive finance, achieving operating income of 294 million yuan and a pre-provision profit of 208 million yuan by the end of 2024 [1]. - The bank has been recognized as one of the fifteen pilot "multi-county one bank" rural banks in China, standing out among over 1,600 rural banks nationwide [1]. - The bank has expanded its network to 23 branches, significantly increasing its asset scale to 8.4 billion yuan and contributing 360 million yuan in taxes to the local economy [4]. Group 2: Community Engagement and Trust Building - Initially met with skepticism, the bank adopted a grassroots approach, distributing over 300,000 promotional materials and conducting extensive outreach to build trust within the community [2][3]. - The bank's staff regularly visit rural areas, establishing a strong presence and rapport with local residents, which has transformed it from a perceived "private bank" to a trusted "people's bank" [4]. Group 3: Innovative Financial Products - In 2016, the bank launched the "Zhujiang Family Wealth" loan product, which has issued loans totaling 14.3 billion yuan, benefiting over 80,000 farming households and addressing common financing challenges [5][7]. - The bank's tailored financial solutions have enabled local agricultural enterprises to thrive, with examples of clients successfully transitioning from small operations to significant agricultural businesses [6]. Group 4: Strategic Focus and Risk Management - The bank's strategy emphasizes "small and dispersed" loans, with individual loan amounts capped at 300,000 yuan, ensuring that over 90% of funds are directed towards agriculture and small enterprises [8][9]. - A robust risk management framework and a transparent lending culture have contributed to a low non-performing loan rate, with 63% of clients being first-time borrowers [10]. Group 5: Long-term Vision and Impact - The bank's commitment to sustainable growth and community development has positioned it as a vital player in rural finance, demonstrating that rural banks can be both a supplementary force and a mainstay in supporting rural revitalization [11].