通过构建"银行+政府+担保"多方风险分担模式，该行不仅降低了担保费率，还落实了财政贴息政策， 切实减轻了农户负担，让涉农贷款"贷得省心、还得放心"。 徐州农商银行以特色金融产品为支点，有效破解涉农融资难题，持续为农业强、农村美、农民富的乡村 振兴图景贡献金融力量。 申玉龙 在产品层面，该行主推"小微贷""苏农贷""苏质贷"等省级产品，依托政府增信与风险分担，有效降低融 资门槛。截至2025年8月末，相关产品累计服务490户，余额达8.18亿元，助力一批农户实现从"小打小 闹"到"规模经营"的跨越。 针对不同群体需求，该行还推出多款定制化产品。如"三乡助力贷"为返乡青年提供贴息贷款，铜山区小 李因此获得20万元启动资金成功开办家庭农场；"兴村强体贷"则为村级经济合作社提供最高1000万元授 信，已支持198个村集体经济主体。2024年与担保机构合作的"产业兴农贷""增额贷"也分别投放2.1亿元 和2.99亿元。 徐州农商银行聚焦"融资贵、担保难、信息差"等涉农主体长期面临的痛点，五年来从产品创新、机制建 设和政银合作三方面发力，推出一系列接地气、见实效的特色金融产品，为乡村振兴注入持续动力。 ...

Core Insights - XuZhou Rural Commercial Bank has successfully integrated social security payments into credit loan offerings, exemplified by a 3-day loan approval process for a local feed company [1] - The bank has issued a total of 36.159 billion yuan in agricultural loans, benefiting nearly 100,000 small and micro enterprises [2] - The average interest rate for agricultural loans has decreased to 4.45% in 2024, down by 0.56 percentage points year-on-year [2] Group 1: Agricultural Loan Initiatives - The bank's agricultural loan issuance has consistently outpaced overall loan growth, with a year-on-year increase of 15% in the number of agricultural loans [2][4] - As of May, the bank has provided batch pre-credits totaling 27 billion yuan to 227,300 farmers and individual businesses, facilitating access to financial services via mobile banking [2][3] - The bank has launched various loan products tailored to agricultural needs, including "Su Nong Loan" and "Hui Nong Quick Loan," with a focus on rapid online applications and AI-driven approvals [3][5] Group 2: Digital Transformation and Service Upgrades - XuZhou Rural Commercial Bank is enhancing its digital services, with a mobile business platform set to launch in Q3 2024, improving business processing times by over 40% [6] - The bank has established 209 financial convenience service points and 32 model service points to extend its reach into rural areas [8] - A one-stop digital financial service platform has been piloted to support farmers, particularly garlic growers, with specialized payment services [7] Group 3: Community Engagement and Support - The bank has actively participated in various agricultural subsidy programs, processing an average of 8.12 million agricultural business transactions annually [9] - It has initiated community support programs, including educational assistance for rural children, with a total donation of 1.04 million yuan since 2018 [9] - The bank has also engaged in promoting local tourism through partnerships with businesses, resulting in significant visitor engagement and sales [9] Group 4: Commitment to Rural Revitalization - XuZhou Rural Commercial Bank emphasizes its mission of supporting rural revitalization through tailored financial products and services [10] - The bank has issued 1.72 billion yuan in small loans to poverty alleviation efforts, fulfilling its commitment to support all impoverished households in its jurisdiction [9][10]