近年来，沭阳农商银行坚守支农支小战略，坚持走普惠金融路线，在跟紧政策步伐、贴近市场和客 户所需中求变求新，创新金融产品，让金融服务更有温度。 沭阳农商银行积极运用科技手段提升服务质效，面对金融市场的需求变化，积极推进产品创新与服 务升级，加快流程改造和产品迭代，积极携手县财政局创新具有财政贴息支持的"富民创业贷"、携手县 妇联创新具有降低利率支持的"妇女创业贷"、携手保险机构创新具有增信支持的"农保贷"等系列特色信 贷产品。针对经济下行花卉电商艰难经营的困境，该行主动获取电商数据、完善授信模型、创新推 出"电商贷"，将电商交易流水变为支持其创业经营的金融活水。同时，充分考虑信贷客户遭遇的困难和 压力，提前做好到期贷款摸底，做好"一户一策"，对暂时出现困难的包括花木产业在内的小微客群全面 提供"纾困贷"专属产品，坚决做到不抽贷、不断贷、不压贷。 精准对接民营小微企业、个体工商户及乡村振兴主体，通过差异化利率政策，切实降低经营主体的 融资成本。将经营发展与践行社会责任相结合。今年以来，该行深入开展"千企万户大走访"专项活动， 打破"等客上门"传统模式，按事业部对辖区进行分片，明确走访对接任务和时间进度，以"全覆盖 ...

Group 1 - The core viewpoint of the articles highlights the proactive role of Jiangsu Bank in supporting rural revitalization through targeted financial services for agriculture and local industries [1][2][3][4] Group 2 - Jiangsu Bank has provided a total of 217.2 billion yuan in agricultural loans by the end of November 2025, benefiting 110,000 agricultural operators [1] - The bank has introduced specialized financial products such as "Haimen Home Textile Loan" and "Donghai Crystal Loan" to support local agricultural sectors [1] - In Wuxi's Yangshan, Jiangsu Bank customized a credit line of 10 million yuan for a leading peach company to aid in the expansion of standardized bases and digital upgrades [2] - The bank has issued over 300 million yuan in loans to small and micro enterprises in the Yangshan area this year [2] - In the fishing industry of Lusi, Jiangsu Bank launched the "Lusi Fishing Boat Loan" to address financing challenges by creating a "credit + industry data" model [3] - The bank provided a customized financing plan and a rapid approval of 10 million yuan to a family fishing farm for cold storage expansion and e-commerce platform improvement [3] - In Shuyang, Jiangsu Bank introduced credit products like "Su Nong Grain Trade Loan" to simplify approval processes and provide quick funding for grain purchases [4] - The bank has served over 4,500 agricultural operators in Shuyang, reinforcing financial support for stable grain production and sales [4]

Core Insights - The Bank of China Jiangsu Branch is actively supporting rural development through tailored financial services, focusing on agricultural loans and local industry needs [1][2][3][4][5] Agricultural Loans - As of September 2025, the Bank of China Jiangsu Branch has issued 187.8 billion yuan in agricultural loans, benefiting 110,000 agricultural operators [1] - The bank has introduced various financial service solutions for local特色产业, including "Haimen Home Textile Loan" and "Donghai Crystal Loan" [1] Support for Specific Industries - In Wuxi's Yangshan Town, the bank provided a 10 million yuan credit line to a leading peach company to support its expansion and digital management initiatives [2] - The bank has issued over 300 million yuan in loans to small and micro enterprises in the Yangshan area this year [2] Fisheries Financing - The bank launched the "Lüsi Fishing Boat Loan" to address financing challenges faced by local fishing enterprises, focusing on key areas like vessel upgrades and cold chain improvements [3] - A family-owned fishing farm received a 10 million yuan credit approval to enhance its cold storage and processing capabilities, boosting its brand influence and sales [3] Grain Purchase Support - The bank introduced the "Su Nong Grain Trade Loan" to facilitate quick funding for grain purchases during peak seasons, eliminating collateral requirements [4] - A grain purchasing station received a 2 million yuan credit loan to address liquidity needs, ensuring timely grain sales for farmers [4] Inclusive Financial Products - The bank has expanded its inclusive product offerings, serving over 4,500 agricultural operators in the Shuyang area alone, thereby providing robust financial support for stable grain production [5] - The bank's initiatives connect various agricultural sectors, from peach orchards to fishing ports, ensuring a continuous flow of financial resources throughout the rural economy [5]

Core Viewpoint - Luyi Rural Commercial Bank focuses on serving the local economy through precise marketing, innovative credit products, and in-depth understanding of community needs, injecting new vitality into local economic development [1] Group 1: Marketing and Customer Engagement - The bank identifies target customer groups through big data analysis, providing tailored financial service solutions for different industries and business sizes [1] - The bank strengthens cooperation with local governments and institutions to enhance service delivery [1] Group 2: Innovative Credit Products - The bank has developed various innovative credit products to meet diverse customer needs, including "Shrimp-Rice-Lotus Prosperity Loan" for the shrimp-rice industry, "Micro Loan" for small businesses, "Wealth Creation Loan" for rural entrepreneurship, and "Rural Revitalization Loan" for local industry support [1] Group 3: Customer-Centric Service Philosophy - The bank adheres to a customer-centric service philosophy, regularly engaging with rural communities, neighborhoods, and enterprises to understand their financial needs [1] - The bank actively collects customer feedback to continuously optimize service processes and product functions, ensuring financial services are more accessible and efficient [1]

Core Insights - Nantong Rural Commercial Bank is actively implementing rural revitalization strategies and inclusive finance policies, focusing on "increasing customers, expanding coverage, improving quality, and enhancing efficiency" to drive high-quality credit business development [1] Group 1: Credit Business Development - The bank's total loans reached 65.921 billion yuan, with a net increase of 3.626 billion yuan since the beginning of the year [1] - The number of key credit customers increased to 36,175, with a net addition of 1,533 customers [1] Group 2: Marketing and Customer Acquisition - The bank organized a "customer increase and coverage expansion" marketing campaign, utilizing the "white list" feature of the inclusive finance platform and promoting key products like "Su Credit" and "Fumin Entrepreneurship Loan" [1] - A differentiated marketing strategy was developed for key customer groups, supported by a special assessment mechanism with weekly reports and monthly rewards [1] Group 3: Service Matrix and Product Innovation - The bank established a professional team for mortgage loans, collaborating with quality real estate projects and agencies, including a strategic agreement with "Beike" [2] - The bank launched a three-dimensional promotion mechanism for policy-based products, resulting in 289 entrepreneurship loans totaling 52.85 million yuan [2] - The "Tongke Loan" targeted technology enterprises, issuing loans to 83 customers totaling 337.88 million yuan [2] Group 4: Digital Operations and Marketing Efficiency - The bank formed a "data agile team" to enhance digital marketing efficiency, reaching 1,149 customers in levels 1-3 and issuing loans to 95 customers totaling 49.72 million yuan [3] - The bank plans to continue optimizing the "whole village credit + grid marketing" service model, focusing on product innovation and technology empowerment [3]

Core Viewpoint - The "Fumin Entrepreneurship Loan" program in Jiangsu Province has been successful in providing financial support to small and micro enterprises, enhancing their ability to secure funding and promoting entrepreneurship [1][2]. Group 1: Loan Features - The "Fumin Entrepreneurship Loan" was introduced in 2019 and has achieved over 97% satisfaction rate among the public [1]. - The program has been optimized over the years, becoming a hallmark of bank-enterprise cooperation in the province [1]. - New mechanisms introduced this year include waiving guarantee fees, fiscal interest subsidies, and lowering entry barriers, which further alleviate financing difficulties for entrepreneurs [1]. Group 2: Eligibility and Benefits - Entrepreneurs who established their companies within the last five years are eligible to apply for the loan, expanding access beyond just new startups [2]. - The loan offers fiscal interest subsidies and the possibility of renewal, significantly reducing the financial burden on borrowers [2]. - The effective interest rate for the loan can be as low as 1.55%, which is considerably lower than typical micro-loan rates [2]. Group 3: Implementation and Support - The loan approval process is efficient, taking only one working day from application to completion [2]. - The program aims to provide tangible financial support to small business owners, with plans to enhance collaboration with banks to facilitate more loans [3]. - Successful repayment and growth allow borrowers to reapply for the loan up to three times, promoting sustained business development [3].