Core Viewpoint - Kunshan Rural Commercial Bank is committed to serving the local economy and supporting the high-quality development of regional manufacturing, particularly focusing on small and micro manufacturing enterprises [1] Group 1: Service Network Development - The bank has established a service system that closely aligns with the needs of manufacturing enterprises, ensuring effective communication and understanding of their financing requirements [2] - Customer managers have conducted regular visits to 2,569 micro and small enterprises, resulting in the issuance of 454 million yuan in new inclusive small loans [2] Group 2: Innovative Product System - To address the financing challenges faced by small and micro manufacturing enterprises, the bank has developed a range of specialized financial products, including "Specialized, Refined, Characteristic, and Innovative" loans and "Order Loans" [3] - The bank has issued 170 million yuan through its "Credit-Backed Loan" product, benefiting 161 small enterprises [3] Group 3: Service Quality Improvement - The bank has enhanced its online banking services, allowing for loan applications and approvals to be processed quickly, with funds potentially available within 24 hours [4] - A comprehensive suite of financial services is offered, including payment settlement, payroll services, and policy consultation, aimed at reducing costs and improving efficiency for manufacturing enterprises [4] Group 4: Commitment to Local Development - The bank remains dedicated to its mission of supporting local manufacturing and will continue to innovate its products and services to foster growth in the sector [5]

Core Insights - The company focuses on serving private enterprises as a core strategy, enhancing the financial service system for these businesses in the Kunshan region, contributing to local economic development [1] Group 1: Service Mechanisms - The company employs a "grid + digital" model to continuously update data on private enterprises and create a "credit map," facilitating regular visits and tailored services [2] - A specialized team for small and micro enterprises has been established to coordinate financing efforts, ensuring a consistent service mechanism [2] - The company has implemented a tiered action plan for different client segments, enhancing the frequency and quality of client interactions [2] Group 2: Product Optimization - The company has developed a streamlined product system to meet the "short, frequent, urgent" financing needs of private enterprises, introducing standardized mortgage products and credit products [3] - A proactive mechanism for identifying financing needs of existing clients has been established, ensuring timely support through seamless loan renewals [3] - A dedicated service channel for private enterprises has been created, prioritizing investigation, review, approval, and issuance of loans for listed companies [3] Group 3: Industry Research and Customization - The company integrates deeply into the local industrial ecosystem by promoting village-level credit models and focusing on unique local industries [4] - A strategy of "one bank, one circle, one special project" has been implemented, forming agile teams to develop industry-specific financial solutions [4] - The company collaborates with various industry associations to design specialized products that meet the financial needs of enterprises in specific sectors [4]