Group 1 - The financial volunteer investigation team in Bazhong City, led by the People's Bank of China, aims to enhance the standardization and normalization of financial services in county areas [1] - The team focuses on addressing urgent needs of local enterprises by conducting surveys and improving financial management and service levels [1][2] - Since its establishment in 2017, the team has coordinated with local departments and financial institutions to tailor solutions for businesses, resulting in the resolution of 14 requests from 9 enterprises [2] Group 2 - The team has implemented targeted financial policies to support local businesses, including a recent loan of 200 million yuan to a local enterprise [2][3] - The team has organized 84 volunteers to conduct outreach activities, visiting 175 enterprises and facilitating financing of 23 million yuan [3] - The team has also provided tailored financial services to specific sectors, such as a nursing center for the elderly, by offering a loan of 2.65 million yuan at a lower interest rate [4]

Core Viewpoint - The People's Bank of China, Panjin Branch, is actively enhancing financial services in county areas through a comprehensive framework that emphasizes collaboration, increased credit supply, improved financial management, and public financial literacy, thereby supporting the coordinated development of the county economy and finance [1][2][3][4]. Group 1: Financial Collaboration Framework - The Panjin Branch is establishing a new model of cooperation between grassroots central banks and local governments, creating a collaborative work structure that includes regular communication with banking institutions and local governments [1]. - A joint "County Financial Service Joint Conference System" has been implemented to facilitate information exchange, resource sharing, and cooperation [1]. - The branch has initiated over 30 engagements with local banks to enhance policy promotion and financial services in county areas [1]. Group 2: Credit Supply Enhancement - The Panjin Branch is guiding banks to innovate financial products focusing on key local industries such as rice and river crabs, launching over 30 credit products including "Golden Crab Loan" and "Agricultural Machinery Loan" [2]. - New financing mechanisms have been developed for modern agricultural entities, including collateral loans based on agricultural inventory [2]. - The branch is also promoting green finance initiatives and has introduced various online financial products to increase accessibility [2]. Group 3: Financial Service Optimization - The Panjin Branch is improving the rural financial infrastructure and enhancing the credit system, establishing a model for credit villages and initiating a "whole village credit" project [3]. - The branch has set up 143 rural bank outlets and installed 1,963 ATMs and POS terminals to facilitate financial services [3]. - A comprehensive optimization plan for nine business lines has been introduced to streamline financial service processes [3]. Group 4: Public Financial Literacy Promotion - The Panjin Branch is conducting extensive financial literacy campaigns through various community engagement activities, reaching over 50,000 individuals [4]. - Financial knowledge dissemination is being carried out in rural areas via lectures and promotional videos, focusing on enhancing public understanding of financial services [4]. - The branch has organized over 600 activities related to financial knowledge promotion and legal education in rural areas [4].

Core Viewpoint - The People's Bank of China Chifeng Branch is enhancing financial services in county areas through process reengineering and audits, ensuring service quality and efficiency are maintained after the transfer of responsibilities from county branches to the city branch [1][2]. Group 1: Audit and Process Optimization - The Chifeng Branch conducted special audits to identify and rectify outdated systems following the restructuring of county branches, which affected service continuity [2]. - The branch is implementing a "waste, reform, and establish" approach to optimize various business processes, including credit issuance and payment settlements, thereby reducing operational costs for banks and the public [2]. - A fixed communication mechanism has been established with local governments and regulatory bodies to ensure timely resolution of issues related to county financial services [1][2]. Group 2: Financial Policy and Credit Support - The Chifeng Branch is innovating in the transmission and promotion of financial policies, focusing on increasing credit investment in county areas and enhancing collaboration with various local departments [2]. - As of March 2025, the loan balance in non-central urban county areas reached 174.305 billion yuan, with an increase of 6.682 billion yuan since the beginning of the year, reflecting a year-on-year growth of 7.32%, surpassing the city's average loan growth rate by 1.83 percentage points [2]. Group 3: Service Innovation and Risk Management - The branch has introduced innovative service models, such as the "National Debt Bus Line" and "National Debt Village Chief," to enhance rural financial services and reduce operational risks [3]. - Payment and cash services have been strengthened, allowing county customers to handle banking transactions without leaving their locality, thus improving efficiency and accessibility [3]. - A mechanism for mutual assistance among financial institutions has been established to enhance cash flow and support rural financial services, ensuring comprehensive coverage of financial services in rural areas [3].