Core Viewpoint - The article highlights the proactive measures taken by Taiyuan Rural Commercial Bank to support small and micro enterprises facing financial difficulties due to rising raw material prices and competition, through targeted credit products and services [2][3][6]. Group 1: Financial Support Initiatives - Taiyuan Rural Commercial Bank has launched a specialized credit product called "Youxindai" to assist small and micro enterprises, successfully providing a loan of 3 million yuan to a struggling decoration company [2]. - The bank has visited over 12,000 enterprises through the "Thousand Enterprises and Ten Thousand Households" initiative, with a total credit amount exceeding 1.9 billion yuan to meet diverse financing needs [2][3]. Group 2: Coordination and Management - Since October of the previous year, the bank has implemented a financing coordination mechanism, compiling a comprehensive list of over 400,000 small and micro enterprises to enhance outreach and support [3]. - A dedicated working group has been established to streamline financing services, ensuring effective communication and collaboration with local government units [3][5]. Group 3: Service Enhancement - The bank has adopted a grid management approach, assigning professional customer managers to provide tailored financial solutions to small and micro enterprises [5]. - Regular "Silver Enterprise Connection" meetings are held to facilitate direct communication between banks and enterprises, addressing funding challenges and fostering cooperation [5]. Group 4: Innovative Financial Products - Taiyuan Rural Commercial Bank has introduced various credit products such as "Youxindai" and "Youkeda" aimed at small and micro enterprises, ensuring that credit funds reach the intended recipients effectively [6]. - The bank has established a collaborative mechanism with local governance to create a credit service hall for small and innovative enterprises, integrating government, banking, guarantee, and insurance services [6].