ZJB(SH:601860) Jiang Nan Shi Bao·2025-12-01 02:45Core Viewpoint - The People's Bank of China Jiangsu Branch and Jiangsu Federation of Industry and Commerce announced that Zijin Rural Commercial Bank was awarded the title of "Most Satisfied Bank for Private Enterprises" in Nanjing, highlighting its exceptional performance in financial services for private enterprises [1] Group 1: Service Mechanisms - The bank has integrated private enterprise loan issuance into its overall performance assessment system, increasing the weight of private loans in evaluations to ensure precise implementation at the branch and customer manager levels [2] - A "small and scattered" empowerment mechanism has been introduced, managing non-large loans through a list system to stimulate service vitality [2] - The bank has simplified the approval process for loans under 10 million yuan and expanded the whitelist, exploring online renewal of credit [2] Group 2: Product Innovation - The bank has upgraded traditional and specialized products, focusing on technology-oriented private enterprises and extending the credit period for mortgage loans [3] - New products like "Sutong Carbon Loan" and "Specialized and Innovative Insurance" have been introduced, exploring pledges based on intellectual property and carbon emission quotas [3] - The bank has launched credit products like "Zixin Loan" and "Suxin Loan" to support private enterprises, enhancing financing efficiency across the supply chain [3] Group 3: Technological Empowerment - The bank has developed a mobile version of "Tongshang e-loan," facilitating loan applications through various digital platforms, achieving 1.22 billion yuan in loans to 465 clients by the end of Q1 [4] - The "Inclusive Exhibition Platform" has granted credit to over 7,800 clients, totaling more than 4.8 billion yuan [4] - A systematic approach to client visits has been established, with 11,000 clients visited in Q1 to enhance service delivery to private enterprises [4]