Core Viewpoint - The "Yirongtong" platform has been launched to provide comprehensive financial services for small and micro enterprises and citizens in Junlian County, significantly improving efficiency in accessing financial products [1][2]. Group 1: Platform Features - The platform integrates over 30 financial institutions and more than 150 financial products, covering a full range of services including banking and guarantees [2]. - Users can quickly find suitable credit products through intelligent screening and customization features, which greatly shortens the financing cycle [2]. Group 2: Financial Support Policies - The platform offers fiscal subsidy services such as interest subsidies for entrepreneurial guarantee loans and consumer loans [2]. - The personal application limit for entrepreneurial guarantee loans has increased from 300,000 to 500,000 yuan, while small and micro enterprises can apply for up to 6 million yuan [2]. - Youth aged 18-40 starting a business in Sichuan within three years can apply for interest-free and collateral-free startup loans ranging from 30,000 to 100,000 yuan [2]. - From April 1 to September 30, 2025, loans for specific consumer purchases can enjoy a 1.5% annual interest rate subsidy, with a maximum of 3,000 yuan per loan [2]. Group 3: Application Process - Users can log onto the "Yirongtong" official website to apply for financing by filling in their desired amount, repayment period, and preferred financial institutions [3]. - For consumer loan interest subsidy applications, users can select the relevant theme on the website and submit required information and documents for review [4]. Group 4: Future Developments - Junlian County aims to enhance the business environment by optimizing administrative approval processes and deepening "Internet + Government Services" initiatives [5]. - The county is committed to ensuring that financial services reach small and micro enterprises effectively, positioning the business environment as a core competitive advantage for high-quality development [5].

Economic Overview - As of the end of 2023, Kunshan achieved a GDP of 514.06 billion, marking a 5% year-on-year growth, maintaining its position as the top county in China for 19 consecutive years [1] - The industrial output value of Kunshan reached 1.1433 trillion, with a year-on-year increase of 4.5%, driven primarily by the manufacturing sector, particularly the electronic information industry, which accounts for over 40% of the economic output [1] - In 2023, Kunshan attracted 2 billion in foreign investment and had a total import and export volume of 107.9 billion USD, ranking first among county-level cities in China [1] Industry Cluster Situation - By the end of 2023, Kunshan had one trillion-level industry cluster, the electronic information industry cluster, with an annual output value of 696.9 billion, reflecting a 15.6% year-on-year growth [2] - Kunshan has established a complete industrial chain in the electronic information sector, including integrated circuits, new displays, and smart terminals, showcasing strong development momentum [2] Bank Performance - As of June 2024, Kunshan Rural Commercial Bank reported total assets of 183.5 billion, deposits of 141.4 billion, loans of 111.1 billion, operating income of 2.195 billion, and net profit of 986 million, with a non-performing loan ratio of 0.85% and a provision coverage ratio of 546% [2] - The bank holds a 16.64% market share in RMB deposits, ranking first in the Kunshan area, and has been recognized as a benchmark bank by the China Banking and Insurance Regulatory Commission [2] Project Background and Objectives - The "Win-Win Chain" project was initiated to address the financing needs of the electronic information industry, particularly for upstream suppliers who often lack sufficient collateral to meet traditional lending standards [4] - The project leverages advanced data analysis and intelligent risk control systems to provide credit loans to upstream suppliers based on the authorization data from core enterprises [4] Project Implementation Process - Prior to the project launch, extensive feasibility studies and technical discussions were conducted, leading to the establishment of a professional product team to design the project framework [5] - The project was officially launched on August 2, 2024, with rapid progression through various phases, including development and testing, culminating in successful production on October 24, 2024 [5] Project Structure and Functionality - The "Win-Win Chain" project includes multiple subsystems that work together to create a robust financial service network, with a focus on intelligent risk control and data support [6] - The system architecture is designed to ensure efficient business processing, precise risk control, and comprehensive data support, facilitating seamless interaction between various components [7][8] Project Outcomes and Future Directions - The project has effectively addressed key challenges faced by upstream suppliers in the electronic information industry, providing quick and efficient credit solutions [10] - As of now, 188 core enterprises have authorized the project, with 1,601 upstream suppliers awaiting evaluation, indicating a strong momentum for the project's rollout [12] - The bank aims to continuously enhance the "Win-Win Chain" project, deepening the integration of financial technology with the real economy to support the sustainable development of the electronic information industry [13]