接下来，要标本兼治、持续推动中小银行聚焦"支农支小"主责主业。监管部门要严格考核，立规 矩、明奖惩、强检查，确保中小银行不折不扣地执行各项普惠金融政策。各部门要协同配合，打通信息 数据壁垒，完善融资担保体系，便利普惠贷款的发放与管理。中小银行要端正定位，下真功夫、苦功夫 挖掘有潜力、有前景的小客户，伴随它们一路成长，最终相互成就、银企共赢。 【纠错】 【责任编辑:任想】 近年来，中小银行"支农支小"主力军作用日益凸显。目前，我国中小银行的小微企业贷款、"三 农"贷款在银行业相关贷款中的占比分别高达47%和40%。中小银行为何做出了大成绩？因为它们挖掘 并充分发挥了自身的地缘、人缘优势。相较于大型银行，中小银行，尤其是农村信用社更了解当地的经 济发展情况，不少信贷员就是本村人，哪户人家守信用、愿吃苦、能致富，信贷员都了然于胸。正因 此，一些大型银行看不准、不敢放的"危险"贷款，反而成了中小银行放得出也收得回的"优质"贷款。 尽管成绩优异，中小银行偏离主业的行为也时有发生，对此必须予以高度关注。监管部门检查发 现，部分中小银行的普惠贷款投放不精准，不仅涉农贷款余额连续多年下滑，小微企业贷款余额占比也 逐年下降。更 ...

Core Viewpoint - The article highlights the role of Postal Savings Bank in supporting agricultural production and ensuring food security through financial assistance to local farmers and cooperatives [1][2][3]. Group 1: Agricultural Development - The cooperative led by Dong Wei has transformed nearly 8000 acres of land into a significant contributor to food supply, focusing on the cultivation of soybeans, corn, and wheat [1]. - The cooperative has achieved national recognition as a key support demonstration base for green organic agriculture, with all produced crops certified as green organic [1]. Group 2: Financial Support - Dong Wei received a total loan of 4.5 million yuan from Postal Savings Bank, which includes 3 million yuan in agricultural loans and 1.5 million yuan in small business loans, facilitating land transfer, agricultural input purchases, and daily operations [2]. - The bank's timely financial support has enabled the cooperative to invest in necessary infrastructure, such as grain storage and drying facilities, ensuring efficient agricultural practices [2]. Group 3: Commitment to Food Security - Postal Savings Bank has actively increased its credit investment in agriculture, optimizing financial services for large-scale farmers and cooperatives, simplifying loan processes, and ensuring timely funding during critical agricultural periods [3].

Core Viewpoint - The article highlights the proactive role of Postal Savings Bank in supporting local agricultural enterprises, particularly in the context of a flower cultivation base in Jiangxi Province, by providing tailored financial solutions to address funding gaps [1][2]. Group 1: Financial Support Initiatives - Postal Savings Bank's Jiangxi branch provided a loan of 500,000 yuan to a flower cultivation base to help address its funding challenges [1]. - The bank has implemented a "send loans to the countryside" initiative, which involves direct engagement with local businesses to understand their financial needs [1][2]. - The bank has successfully disbursed over 200 million yuan in "three rural" loans this year, significantly contributing to the development of local specialty industries [2]. Group 2: Community Engagement - The bank's approach includes forming specialized financial service teams that engage with village committees, industry associations, and industrial parks to gather detailed customer insights [1]. - The bank emphasizes its commitment to serving the real economy by actively participating in community outreach and understanding local industry requirements [1].