东明农商银行五营支行：金融赋能，助力个体工商户蓬勃发展

Core Viewpoint - Individual businesses are a crucial part of the real economy, contributing significantly to economic development and social stability. The Dongming Rural Commercial Bank Wuying Branch recognizes the importance of supporting the healthy development of individual businesses and actively fulfills its social responsibility by providing robust financial support through various means [1][2]. Group 1: Financial Support Initiatives - The bank has developed a multi-tiered, comprehensive credit product system tailored to the financing characteristics of individual businesses, which are often "short, small, frequent, and urgent" [1]. - The bank has enhanced its "mortgage loan" services by optimizing real estate mortgage processes, improving assessment and registration efficiency, thus providing more convenient financing channels for individual businesses [1]. - The bank actively implements the "entrepreneurial guarantee loan" policy, collaborating with departments such as human resources and finance to offer interest-subsidized or low-interest loans to eligible entrepreneurial individual businesses, effectively reducing initial funding costs and stimulating entrepreneurial enthusiasm [1]. Group 2: Service Model and Customer Engagement - The bank adheres to a "customer-centric" philosophy, continuously improving the quality and efficiency of financial services [2]. - Leveraging its extensive network and geographical advantages, the bank has decentralized its service focus, sending customer managers into streets, markets, and parks to conduct "grid-based" marketing and financial services [2]. - The bank employs a differentiated pricing strategy, formulating refined interest rate pricing plans based on the credit status, operational conditions, and cooperation duration of individual businesses, effectively lowering financing costs for high-quality clients [2]. Group 3: Commitment to Economic Development - The development of individual businesses is vital for stabilizing employment, stimulating economic vitality, and enhancing the well-being of the populace [2]. - The bank is committed to serving local communities, small and micro enterprises, and the real economy, aiming to work hand in hand with individual businesses to contribute to regional economic prosperity, rural revitalization, and common prosperity through innovative products and efficient services [2].