来源：中华合作时报农村金融 记者：李彩琴 导 读： 马百党是陕西省渭南市澄城县韦庄信用社魏家斜分社原主任兼信贷员，他用41年的职业生涯诠释了"乡 党的事就是最大的事" 。 作为马百党工作过的地方，澄城县农村信用合作联社始终锚定"走在前、做示范"目标，以党建引领 找准方向、以企业文化凝聚力量、以网格化营销巩固阵地，传承"背包精神"，谱写高质量发展新篇章。 2025年盛夏，电影《老马的背包》在北京举行了首映礼。之后不久，陕西省委金融委员会办公室、金融 工作委员会印发了《关于号召全省金融系统广大党员干部职工向马百党同志学习的倡议书》，陕西省农 村信用社联合社也发出向马百党同志学习倡议书，传承"背包精神"，培育中国特色金融文化。 这让澄城县农村信用合作联社干部职工倍感荣耀与激动。作为马百党工作过的地方，该联社始终锚 定"走在前、做示范"目标，以党建引领找准方向、以企业文化凝聚力量、以网格化营销巩固阵地，谱写 澄城联社高质量发展新篇章。 全面推进"一区一岗两队"红色先锋机制创建（即党员责任区，红星示范岗，红旗攻坚队和红马甲服务 队），与网格化营销、业务拓展、风险防控、客户服务深度融合，使党建工作真正成为推动发展的"红 ...

Core Viewpoint - Jiangnan Rural Commercial Bank demonstrates steady growth and resilience in its operations, with a focus on serving the local economy and small micro enterprises, as evidenced by its financial performance in the first half of 2025 [1][2][3] Group 1: Financial Performance - As of June 30, 2025, Jiangnan Rural Commercial Bank reported total deposits of 462.82 billion yuan, an increase of 38.1 billion yuan or 9% from the beginning of the year [1][2] - The total loan balance reached 380.93 billion yuan, with an increase of 10.67 billion yuan or 2.9% year-to-date [1][2] - The bank achieved operating income of 6.57 billion yuan, a year-on-year growth of 0.2%, and a net profit of 2.54 billion yuan, reflecting a 1.6% increase [1][3] Group 2: Asset Quality - The bank's non-performing loan (NPL) balance stood at 4.87 billion yuan, with an NPL ratio of 1.28%, a slight decrease of 0.02 percentage points from the beginning of the year [2] - The provision coverage ratio improved to 232.9%, an increase of 3.2 percentage points, indicating enhanced risk resistance [2] - The bank's strategy of "small and dispersed" loans contributed to the reduction of single-client default risks, with large loans accounting for 29.9% of the total [2] Group 3: Small Micro Loan Growth - The small micro loan segment has become a significant contributor to the bank's loan growth, with the establishment of a dedicated small micro loan division in early 2024 leading to substantial increases in lending [3][4] - By June 30, 2025, the small micro loan division had completed credit approvals for 2,107 clients, with a total credit amount of 2.23 billion yuan [3][4] Group 4: Customer Engagement and Service - The bank's team employed extensive outreach strategies, including 81,409 phone calls and 51,902 in-person visits to potential small micro clients, enhancing market penetration [4][5] - The bank's "backpack spirit" and "iron-foot spirit" emphasize on-the-ground service, allowing for efficient loan processing and customer engagement [5][6] - The bank has implemented a "cloud loan" system, reducing loan processing time from 1-2 days to as fast as 2 hours, significantly improving service efficiency for small micro enterprises [6][7]

Core Viewpoint - Jiangnan Rural Commercial Bank demonstrates steady growth and resilience in its operations, with a focus on serving local small and micro enterprises, as evidenced by its strong financial performance in the first half of 2025 [1][2][10]. Financial Performance - As of June 2025, the bank's total deposits reached 462.82 billion yuan, an increase of 38.1 billion yuan, or 9% year-to-date; total loans amounted to 380.93 billion yuan, up by 10.67 billion yuan, or 2.9% [1][2]. - The bank achieved an operating income of 6.57 billion yuan, a year-on-year growth of 0.2%, and a net profit of 2.54 billion yuan, reflecting a 1.6% increase [1][3]. Asset Quality - The bank's non-performing loan (NPL) balance stood at 4.87 billion yuan, with an NPL ratio of 1.28%, a slight decrease of 0.02 percentage points from the beginning of the year; the provision coverage ratio improved to 232.9%, up by 3.2 percentage points [3][4]. - The bank's strategy of "small and dispersed" loans has helped mitigate risks associated with large client defaults, with large loans accounting for 29.9% of the total [3][4]. Small and Micro Loans - Small and micro loans have become a significant growth driver, with the establishment of a dedicated small loan division in early 2024 leading to substantial increases in lending activity [4][6]. - By June 2025, the small loan division had completed credit approvals for 2,107 clients, totaling 2.23 billion yuan, with an average loan size of 1.06 million yuan [6][8]. Service Model - The bank employs a "backpack spirit" and "iron-foot spirit" in its service approach, emphasizing on-the-ground engagement with clients to address financing challenges [8][9]. - The bank's "cloud credit" system has significantly reduced loan processing times, enabling rapid responses to client needs, exemplified by a case where a client received a loan within hours [9][10]. Market Position - Jiangnan Rural Commercial Bank maintains its leading position in Changzhou's banking sector, with a focus on supporting the local economy and small businesses [2][10]. - The bank's loan distribution aligns with local industrial structures, with significant portions directed towards manufacturing and retail sectors [2][4].

Core Viewpoint - The article highlights the efforts of Lianjiang Hengxin Village Bank in promoting rural revitalization and supporting small and micro enterprises through financial services, aiming to become a "bank for the people of Lianjiang" [1][2]. Group 1: Service and Financial Support - Lianjiang Hengxin Village Bank invests at least 300 million yuan annually in credit funds for agriculture, fisheries, and small enterprises, enhancing local economic development [2]. - As of the end of 2024, the bank's deposit and loan scale exceeds 5.4 billion yuan, with over 80,000 customers and cumulative loans exceeding 18 billion yuan, ranking second among village banks in Fujian Province [2]. Group 2: Innovative Business Model - The bank has developed a unique "Lianjiang model" based on the "Cangnan model," focusing on low-cost community branch structures and flexible loan approval processes [3][6]. - The establishment of a grid system in April 2024 has allowed the bank to actively engage with rural communities, completing credit documentation for 60,000 households and signing credit agreements for 15,000 households [3]. Group 3: Community Engagement Initiatives - The bank has implemented five major projects to enhance financial services, including comprehensive credit assessments and financial needs surveys in rural areas [4][5]. - The bank's marketing team conducts regular visits to individual businesses and small enterprises, completing documentation for 400 small businesses in 2024 [5]. Group 4: Targeted Customer Service - The bank has established a market response team to adapt product strategies based on market research, offering preferential rates for first-time borrowers [6]. - The bank has developed region-specific loan products to enhance brand recognition and attract customers [6]. Group 5: Social Responsibility - Lianjiang Hengxin Village Bank actively participates in charitable activities, donating over 1.45 million yuan to support education for underprivileged students and conducting community outreach programs [7]. - The bank has set up 13 "warm heart stations" to provide services for outdoor workers, demonstrating its commitment to social welfare [7].