天津农商银行“十四五”期间扎实做好金融“五篇大文章”

Core Viewpoint - Tianjin Rural Commercial Bank is committed to enhancing financial services in key areas such as technology innovation, green industry, inclusive finance, and elderly economy during the 14th Five-Year Plan period, aiming to support high-quality economic development in Tianjin [1]. Group 1: Technology Finance - The bank has established four specialized branches to enhance services for technology enterprises, creating a comprehensive service system with 29 unique financial products including "Innovation Loans" and "Intellectual Property Loans" [1]. - A new "Loan + External Investment" model has been introduced to assist technology startups in overcoming financing challenges due to lack of collateral, with technology loan balances exceeding 35 billion yuan [1]. Group 2: Green Finance - The bank integrates green finance with agriculture modernization and new industrialization, developing various "green+" service models to provide comprehensive financial services for low-carbon transitions [2]. - Green loan balances have surpassed 22 billion yuan, with significant growth in support for green economic development [2]. Group 3: Inclusive Finance - The bank has established a financing coordination mechanism for small and micro enterprises, with inclusive loans exceeding 43 billion yuan, leading local institutions in agricultural support [3]. - Agricultural loan balances are nearly 35 billion yuan, with a cumulative increase of 40% over five years, and inclusive agricultural loans have increased by 67% in the same period [3]. Group 4: Elderly Finance - The bank aims to create an elderly-friendly banking environment, completing upgrades for 400 branches and establishing 11 specialized branches for elderly services [4]. - Services include social security card processing, wealth consulting, and health-related activities, effectively meeting the financial and non-financial needs of elderly clients [4]. Group 5: Digital Finance - The bank has optimized its digital financial ecosystem, launching standardized services like "Jixiang Property Pass" to enhance convenience for residents and property management [5]. - Innovative services such as "Jixiang Tax Pass" and "Jixiang Park Pass" have been introduced to streamline operations for small enterprises and improve management efficiency [5].