无锡阳山镇以水蜜桃闻名，已成为当地农业经济的"金字招牌"。但生产链条长、运营成本高、销售周期 短等现实压力制约其发展。其中，本地龙头企业——无锡某水蜜桃公司近年来持续扩建标准化基地、引 入数字化管理系统，并加大科研育种投入，资金压力较大。江苏中行聚焦"种植—加工—销售"全流程， 为龙头企业定制1000万元授信，助力扩建标准化基地与数字化升级。今年已为阳山地区小微企业发放贷 款超3亿元，并推出"苏岗贷""富民创业贷"等产品，举办"蜜桃新农人"训练营，为近30名创业者提供超 1500万元信贷支持，让"甜蜜产业"焕发新生。 在江苏广袤乡村，一幅"果满枝、鱼满舟、粮满仓"的丰收画卷正徐徐展开。作为服务"三农"的主力军， 中国银行江苏省分行（简称"江苏中行"）紧扣农时节奏与地方特色产业，通过精准金融供给托起乡村振 兴希望。截至2025年11月末，该行当年新投放涉农贷款2172亿元，惠及11万户农业经营主体，新增粮食 重点领域贷款84亿元，并落地"海门家纺贷""东海水晶贷"等特色金融方案，为农业强、农村美、农民富 注入强劲动能。 阳山"甜"产业： 全链赋能"桃"经济 沭阳"稳"粮仓： 信用贷款保收购无忧 从盛夏桃林的"果 ...

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].