莒县农商银行：党建引领强根基，多维赋能促转型

Core Viewpoint - High-quality development is the foundation and key for financial institutions, with Juxian Rural Commercial Bank focusing on this direction through party building, customer-centric approaches, and innovative financial services to support local economic development [1] Group 1: Party Building and Development - Juxian Rural Commercial Bank emphasizes the integration of party building with business development, establishing cooperation mechanisms with local government departments to enhance financial services [1] - The bank has issued "Gongxin E-loans" totaling 93 million yuan and "E-road loans" amounting to 122 million yuan, demonstrating effective resource alignment [1] Group 2: Digital Transformation - The bank is leveraging digital transformation to enhance service efficiency, creating an online, intelligent credit service model that allows businesses to complete the entire loan process via mobile banking within 48 hours [2] - Online loan approvals have been reduced by over 60% compared to traditional methods, with 65% of loans this year being processed online, significantly improving customer service experience [2] Group 3: Green Finance - Juxian Rural Commercial Bank incorporates green finance into its strategic framework, establishing a comprehensive management system for green credit and ensuring rapid funding for eco-friendly projects [3] - The bank has approved a 20 million yuan "Water-saving Loan" for a wastewater treatment company and provided over 40 million yuan in credit for solar panel production, contributing to significant CO2 emission reductions [3] - The growth rate of green credit has reached 12.3%, surpassing the average growth rate of other loans by 4.1 percentage points, highlighting the bank's commitment to sustainable development [3] Group 4: Inclusive Finance - The bank is dedicated to inclusive finance, addressing the financing challenges faced by private enterprises by establishing a "white list" of quality businesses and providing personalized service through dedicated account managers [4] - Over 1,200 on-site service visits have been conducted, benefiting more than 13,000 small and micro enterprises and individual businesses, ensuring that financial services are accessible [4]