Core Insights - Nantong Rural Commercial Bank has focused on high-quality development by streamlining approval processes and enhancing service efficiency since August [1][3] - The bank has achieved significant improvements in credit approval efficiency, with a stable rapid approval rate of 92.5% and a total loan amount of 2.03 billion yuan approved for 810 clients in August [1] Group 1: Approval Process Optimization - The bank has implemented a "full-process standardization + dynamic" approval system, shifting from experience-driven to rule-driven approvals [1] - A cross-department communication mechanism and information-sharing platform have been established to enhance collaboration and improve approval efficiency [1] Group 2: Risk Management and Training - Targeted training sessions have been organized for client managers to address issues related to documentation and risk assessment, focusing on loan demand estimation and project loan eligibility [2] - The bank has strengthened risk control measures by revising credit models and clarifying responsibilities to ensure compliance and fairness in loan processing [2] Group 3: Focus on Small and Micro Enterprises - The bank is committed to supporting small and micro enterprises by creating dedicated channels for financing and addressing challenges related to slow financing processes [2] - A special inspection program has been launched to ensure compliance with small loan initiatives and to provide timely feedback on issues encountered [2] Group 4: Future Directions - Nantong Rural Commercial Bank plans to continue optimizing approval processes and enhancing risk control while focusing on key industries and regions to maintain a strong risk management framework [3] - The bank aims to act as a partner in enterprise development, contributing to the local inclusive finance sector through high-quality credit services [3]