Core Viewpoint - Gao You Rural Commercial Bank is committed to a small and scattered strategy, focusing on community service and supporting rural revitalization, achieving significant recognition through quality services and convenient products [1] Group 1: Business Strategy and Performance - As of April 2025, the bank's total loan balance reached 20.015 billion, with 83.45% allocated to entity loans and 17.871 billion in private enterprise loans, reflecting a growth of 562 million since the beginning of the year [1] - The bank has established a cooperative mechanism with over 50 units, covering more than 90% of villages, to enhance service ecosystems for the development of the real economy [2] - The bank has hosted government-enterprise connection meetings in 9 towns, reaching 301 enterprises and expecting cooperation worth 320 million [3] Group 2: Service Innovation and Product Development - The bank has launched nearly 20 localized products, including "Intellectual Property Pledge Loan" and "Postal Fortune Sci-tech Loan," to address financing challenges for small and micro enterprises [2] - A combination of "subsidy + financing" services has been introduced to support the construction of the "S333" Sci-tech Corridor, with a technology loan balance of 2.375 billion [4] - The bank has developed a "Technology + Finance" dual-driven model, offering various financial products tailored to the needs of technology enterprises [5] Group 3: Operational Efficiency and Community Engagement - The bank has implemented a dynamic incentive mechanism for inclusive small micro-loan issuance, with private enterprise loans accounting for 75.47% and manufacturing loans at 48.45% as of April [4] - A comprehensive outreach initiative has been conducted, covering 24,000 tax-paying enterprises and individual businesses, resulting in 20,048 visits and 4.111 billion in new credit [4] - The bank has restructured its credit process to enhance efficiency, achieving a 30% improvement in report writing efficiency and reducing the time from signing to disbursement to half a day [5]

本报记者李美丽通讯员张洁 精准施策提质效 围绕支农支小定位，高邮农商银行坚持将普惠小微贷款投放纳入核心考核，按月分解目标至零售、公 司、小微条线，建立"周监测、月复盘、季调整"动态激励机制。截至4月末，该行民营企业贷款占各项 贷款总额的75.47%；制造业贷款占各项贷款总额的48.45%，精准服务普惠领域成效显著。 今年以来，江苏高邮农商银行坚定做小做散战略，扎根村组社区，在服务实体经济、助力乡村全面振兴 等领域持续发力，以优质服务、便捷产品、完善机制赢得各界认可。截至4月末，该行实体贷款余额 200.15亿元，占各项贷款的83.45%；民营企业贷款余额178.71亿元，较年初增长5.62亿元。 围绕支持小微企业融资协调工作机制各项部署，该行组织开展"千企万户大走访"，建立四级联动走访机 制，覆盖高邮市2.4万户纳税企业、个体工商户及农民专业合作社，并将走访目标明确到网格、责任到 人头，对走访面、授信面、用信面三项指标严格考核。截至4月末，该行走访20048户，新增授信1683 户、41.11亿元。 党建引领筑根基 协同共建拓新局 高邮农商银行构建党建共建合作机制，与50余家单位开展深度合作，覆盖全市13个乡 ...