坚守理念定位与“接地气”并举

Core Viewpoint - The article emphasizes the importance of local integration and adaptation for rural small financial institutions, highlighting the success of Fuding Hengxing Village Bank as a benchmark in this sector through its community-focused approach and tailored financial products [1][3]. Group 1: Business Model and Strategy - Fuding Hengxing Village Bank has developed a localized business model that integrates deeply with the community, focusing on small loans (not exceeding 3 million yuan) to mitigate risks [1]. - The bank has achieved a deposit balance of 4.771 billion yuan by the end of 2025, with an annual increase of 666 million yuan, and a market share of 8.98%, ranking sixth in Fuding City [1]. - The loan balance reached 5.187 billion yuan, with an annual increase of 389 million yuan, and a market share of 5.96%, placing seventh in the city, with personal loans ranking third [1]. Group 2: Product Offerings - The bank has created a series of financial products called "Five Color Loans," tailored to local industries such as tea and marine economy, achieving a market adaptability of over 90% for its personal loan products [3]. - Specific products include "Tea Farmer Loans," "Tea Enterprise Loans," and "Tea Merchant Loans," which cover the entire tea industry chain, and "Tea Loan Pass," which allows for inventory pledge financing [3]. Group 3: Community Engagement and Social Responsibility - Fuding Hengxing Village Bank actively participates in community service, investing over 8.3 million yuan in social initiatives, including educational support and community welfare activities [4]. - The bank has established various community service initiatives, such as providing free transportation for students during exams and organizing volunteer activities to address local needs [4][5]. Group 4: Human Resources and Corporate Culture - The bank employs a localized team of 140 staff members, with over half having more than ten years of experience, leveraging local knowledge for customer relationship management [6]. - Employee retention strategies include competitive salaries, multi-role training, and a supportive corporate culture that fosters a sense of ownership and responsibility among staff [7]. - The bank emphasizes a management philosophy of "strict management and generous care," balancing performance expectations with employee well-being to ensure stability and growth [7].