Core Insights - Jiangyin Rural Commercial Bank is addressing the homogenization challenges in the financial industry through "characteristic operations" and aims to reshape its growth logic while achieving high-quality development [1] Group 1: Technology Innovation - The bank has implemented the "Science and Technology Innovation Jiangyin" strategy, focusing on technology finance as a strategic priority, aiming to become a regional innovation "enabler" [3] - As of September 2025, the bank has covered 64% of over 3,700 key technology innovation enterprises in Jiangyin, with a credit coverage of 30% and a total credit scale of 16.93 billion [3] - The loan balance for technology enterprises stands at 15.976 billion, with loans to "specialized, refined, distinctive, and innovative" enterprises amounting to 9.553 billion [3] Group 2: Green Finance - The bank has integrated green finance into its overall development strategy and initiated a pilot program for green branches, with Changjing Branch designated as a green branch [5] - The Changjing Branch has launched a green industry upgrade project in the Wujiaba area, involving a total investment of 500 million, with the branch providing a credit of 35 million, of which 10 million has been utilized [5] - The project is part of the Jiangyin Changjing Shunfeng Dyeing Park initiative, aimed at promoting the green and clean transformation of dyeing enterprises [5] Group 3: Support for Private Enterprises - The Zhouzhuang Branch serves as a pilot for supporting the private economy, conducting industry research and focusing on two core sectors: new metal materials and new energy [7] - The bank offers tailored financial products for private enterprises, including supply chain financing for metal new materials and green credit for new energy companies [7] - As of October 2025, the Zhouzhuang Branch has 413 corporate loan accounts, an increase of 65 from 2024, and 359 inclusive loan accounts, an increase of 66 from 2024 [7]

Group 1 - The national small and micro enterprise fund flow credit information sharing platform has significantly improved financing for small and micro enterprises in Hubei, with 19 pilot banks querying 20,200 fund flow credit information and providing credit of 12.213 billion yuan to 997 enterprises, resulting in loans of 4.325 billion yuan [1] - A typical small micro enterprise, an e-commerce company, previously unable to secure bank loans due to lack of collateral, successfully obtained a loan of 1.8 million yuan after the platform's launch, demonstrating the platform's effectiveness in matching credit products to business conditions [1] - A textile company, facing a short-term liquidity gap despite order growth, received a loan of 5.173 million yuan through a collaborative effort involving the fund flow information platform, showcasing the platform's role in facilitating timely financial support [1] Group 2 - An agricultural technology company, lacking sufficient collateral due to its light asset nature, was able to secure a credit loan of 1.5 million yuan through the fund flow information platform, which allowed for a more accurate assessment of its operational strength and credit status [2]