时值"十四五"规划圆满收官阶段，金融赋能"百千万工程"正有序、有质、有效推进落地。江门农商银行 紧扣地方战略部署，积极融入区域高质量发展大局，围绕产业链升级、价值链融合、服务链延伸三大主 线，以金融力量深耕实体经济、赋能特色产业、服务千家万户，为区域经济提质注入澎湃动能。 江门农商银行调研企业需求。 把赋能用在产业链升级时 该行积极响应省农信联社"1+1+3"党建共建工程，组建金融团队深入推进"金融特派员"驻村机制，目前 已向全市三区一市486个行政村(居)派驻近460名金融特派员，入户走访、村委联动，累计为42万户农户 建档立卡，推动"整村授信"覆盖26万户，农户贷款余额突破59亿元，真正把金融资源送达村民家门口。 随着区域产业链布局加快完善、集群经济发展行稳致远，围绕"十四五"规划目标，江门农商银行聚焦本 地制造产业、重点产业园区和招商引资项目，推动金融服务构建覆盖采购、生产、销售及终端购买的完 整服务链。 为打通政务服务"最后一公里"，提升基层联动效能，该行在全市镇街铺设了274台"粤智助"政务服务一 体机，实现社保卡办理等200项政务服务"一窗通办"。目前平台累计受理政务服务已超116万笔，惠及村 民 ...

Core Viewpoint - The development of inclusive finance in China has made significant progress, establishing a multi-level supply structure that enhances financial service coverage, accessibility, and satisfaction for the public and small enterprises [1][4]. Group 1: Inclusive Finance Development - The implementation plan for high-quality development of inclusive finance aims to establish a comprehensive system within five years, optimizing service systems and improving credit and insurance frameworks [1][3]. - The focus is on meeting diverse financial needs of the public and the real economy, addressing issues like high loan costs and accessibility [1][4]. Group 2: Local Case Study - In Jinqiu Street, Shandong Province, the local rush grass weaving industry has flourished with the support of inclusive finance, with over 300 enterprises and more than 12,000 direct employees [1][2]. - The introduction of tailored loan products like "Liu Bian Loan" has helped small business owners like Zhang Huihua secure necessary funds quickly, often with same-day disbursement [2][3]. Group 3: Financial Products and Services - Various specialized loans have been developed, including "Greenhouse Loan," "Prawn Loan," and "Catering Loan," to cater to the specific needs of local industries [3][5]. - The "Family Affinity Loan" allows family members to act as guarantors, addressing the challenge of finding collateral in rural areas [5][6]. Group 4: Insurance Role - Insurance products such as employer liability insurance and property insurance have been introduced to protect small businesses and their workers from risks, ensuring stability in production [8][9]. - The plan emphasizes the need for diverse insurance offerings that are affordable and easy to understand, enhancing the security of small enterprises [9]. Group 5: Accessibility of Financial Services - Local banks have established service stations in villages, providing essential banking services and facilitating easier access to financial products for residents [10][11]. - Initiatives like "Financial Night School" have been launched to educate the community on financial literacy, enhancing the overall understanding of financial products and services [11].

Core Viewpoint - The article highlights the significant progress in the development of inclusive finance in China, emphasizing its role in supporting small businesses and rural revitalization, particularly through tailored financial products and services [6][7][10]. Group 1: Inclusive Finance Development - Inclusive finance has made substantial advancements in China, establishing a multi-level supply structure that enhances financial service coverage, accessibility, and satisfaction [6]. - The implementation plan for high-quality development of inclusive finance aims to build a comprehensive system over the next five years, optimizing service systems and improving credit and insurance frameworks [6][10]. Group 2: Local Industry Support - In Bohxing County, the local grass willow weaving industry has flourished with over 300 enterprises and more than 12,000 direct employees, supported by inclusive finance initiatives [7][8]. - Financial institutions have introduced specialized loans like "Willow Weaving Loan" to meet the funding needs of small businesses lacking collateral [9][10]. Group 3: Financial Products and Services - The "Willow Weaving Loan" allows small business owners to apply for loans ranging from 30,000 to 200,000 yuan via mobile applications, often with same-day disbursement [9]. - Other tailored financial products include "Greenhouse Loan," "Prawn Loan," and "Catering Easy Loan," designed to cater to specific agricultural needs [9][10]. Group 4: Insurance and Risk Management - Insurance products such as employer liability insurance and property insurance have been developed to protect small businesses in the grass willow weaving sector from operational risks [14][15]. - The article emphasizes the importance of insurance in supporting the sustainability of traditional crafts and ensuring worker safety [14][15]. Group 5: Community Engagement and Education - Local banks have established 78 inclusive finance service stations to provide essential banking services directly to rural communities, enhancing accessibility [16][17]. - Financial literacy initiatives, such as "Financial Night Schools," have been launched to educate the public on financial management and fraud prevention, reaching over 100,000 individuals [18].

Core Viewpoint - Jiangmen Rural Commercial Bank celebrates its 7th anniversary, highlighting its commitment to serving the community and supporting high-quality economic development in the Bay Area [2][3]. Financial Performance - As of June 2025, the bank's total assets reached 154.2 billion, with deposits at 112.16 billion and loans at 79.38 billion, marking increases of 52.19%, 48.19%, and 78.72% respectively since its establishment [2]. - The bank maintains the highest market share in the local area for both deposits and loans, consistently meeting regulatory standards [2]. Party and Community Engagement - The bank has implemented a "1+1+3" party-building initiative, conducting 153 joint activities with local organizations, covering 147 villages [5]. - It has provided credit to 274,500 households through its "whole village credit" initiative, with a total credit amount of 33.67 billion [5]. Support for Small and Micro Enterprises - The bank's small and micro enterprise loan balance reached 54.45 billion, benefiting 14,144 businesses [9]. - It has conducted a "thousand enterprises and ten thousand households" outreach program, visiting 22,107 small businesses and issuing over 10.7 billion in credit [9]. Green Finance Initiatives - The bank's green loan balance stood at 1.718 billion, with over 600 million in green bonds issued [10]. - It supports key energy projects with a loan balance of 192 million and has financed 320 million for ecological restoration projects [10]. Agricultural and Rural Development - The bank's agricultural loan balance exceeded 17.5 billion, with specialized loans for various agricultural products totaling over 3.1 billion [13]. - It has supported 12 rural revitalization projects with loans exceeding 435 million [13]. Technological Transformation - The bank has adopted advanced technologies such as cloud computing and AI, signing 8,700 contracts with a loan balance of 1.992 billion, ranking first in the province [17]. - It has achieved a 94.39% coverage rate for electronic and intelligent business operations, significantly improving customer service efficiency [17]. Recognition and Awards - The bank has been recognized as one of the "Top 100 Global Banks" for seven consecutive years and has received multiple awards for its high-quality development and retail strategy [5].