江南时报讯 冬季来临，广大市民购买羊毛衫的需求随着气温骤降而激增。在苏州吴江区横扇镇的 羊毛衫市场内，慕名而来的人们穿梭于琳琅满目的衣物之间，为家人选购换季冬装；线上直播间也同样 热闹非凡，主播对各类新颖款式的精心讲解，打破了人们对毛衫"妈妈款"的固有印象，电商订单纷至沓 来。 在毛衫产业主动求变的同时，这类乡村特色产业综合生产能力和质量效益的协同提升，离不开金融的全 力托举。对于这一发轫于乡土的富民产业，农业银行苏州分行点面结合：一方面，灵活运用"纳税e 贷""小微贷"等普惠金融产品，为旺季备货、增资扩产的小微企业提供精准、高效的授信支持；另一方 面，深化"全链推进"，对毛衫美工设计、缝纫生产、会展销售、直播电商链上企业实施白名单管理，批 量审批、批量授信，截至目前已服务链上各类经营主体超460户，贷款余额达1.67亿元。 在农业银行苏州分行普惠金融的深度赋能下，吴江横扇羊毛衫产业已构建起"需求洞察—产品创新—消 费升级"的良性循环，一条扎实推进乡村全面振兴与优化提升传统产业并轨而行的全新道路正在通往希 望的远方。 孟正中 "大家对冬装的期待已不只是舒适保暖，高性价比和时尚设计成为现在最主流的消费需求。"这 ...

Core Insights - The demand for wool sweaters has surged due to a drop in temperature, with consumers seeking stylish and high-quality winter clothing options [1] - Local manufacturers in Wujiang's Hongshan Town are enhancing product quality and aesthetics by hiring designers and using high-end yarns to strengthen their competitive edge [1] Group 1: Market Trends - Consumers now prioritize not only comfort and warmth but also cost-effectiveness and fashionable designs in winter clothing [1] - The wool sweater market is experiencing a transformation, moving away from traditional perceptions to embrace modern styles [1] Group 2: Financial Support - Agricultural Bank's Suzhou branch is providing targeted financial support to small and micro enterprises in the wool sweater industry through products like "Tax e-loan" and "Micro Loan" [2] - The bank has implemented a "whitelist management" system for the entire supply chain, facilitating batch approvals and credit for over 460 businesses, with a loan balance of 167 million yuan [2] Group 3: Industry Development - The wool sweater industry in Wujiang has established a positive cycle of "demand insight - product innovation - consumption upgrade" under the support of inclusive finance [2] - This development aligns with broader goals of rural revitalization and the optimization of traditional industries [2]

Core Insights - The modern service industry in Lianshui has shown a stable and positive development trend since the "14th Five-Year Plan," with steady expansion in total scale and continuous improvement in service supply capacity [1][7] Economic Growth and Service Industry Performance - The added value of the service industry in Lianshui has steadily increased from 25.356 billion to 34.725 billion by 2024, with an average annual growth rate of 8.18% [2] - The total retail sales of consumer goods are projected to reach 24.949 billion in 2024, reflecting a year-on-year growth of 5.1%, which has driven rapid revenue growth in the regulated service industry, with a projected revenue of 2.774 billion, up 25.7% year-on-year [2] Infrastructure and Market Dynamics - Lianshui's strategic location and integrated transportation network have effectively reduced operational costs and improved supply chain efficiency, fostering the development of modern commerce and service industries [3] - As of July 2025, the number of service enterprises in Lianshui reached 14,003, an increase of 115 from 2020, with significant growth in key sectors such as information transmission and technology services [3] Logistics and Financial Services - By the end of 2024, Lianshui established a comprehensive logistics service system with 4 county-level logistics centers and 366 village-level logistics points, achieving 100% coverage [4] - Financial services have been tailored to meet the needs of production service enterprises, with loans to the liquor industry reaching 354 million by June 2025, alleviating financial pressures [4] Quality of Life and Service Upgrades - Lianshui has successfully developed tourism attractions, enhancing visitor appeal and promoting cultural activities, which contribute to the local economy [6] - The elderly care services have been innovated to provide convenient dining and community support, with 20 mutual aid points and 5 community dining points established [6] Future Development Focus - Moving forward, Lianshui aims to leverage its geographical advantages and industrial foundation to enhance the digitalization, high-end, and integrated transformation of the service industry, continuously stimulating market vitality and development potential [7]

Group 1: Agricultural Development and Financial Support - A veteran entrepreneur, Miao Jiaxin, has transformed from a soldier to a leader in "antibiotic-free egg" farming, producing 400,000 fresh eggs daily and generating over 80 million yuan in annual sales [1] - The Xuzhou Rural Commercial Bank has provided 14.5 million yuan in credit support to Miao, enabling over 30 local households to join the antibiotic-free farming initiative, each increasing their annual income by over 100,000 yuan [1] - As of August 2025, the agricultural loan balance in Xuzhou reached 461.36 billion yuan, with an increase of 58.15 billion yuan from the beginning of the year, reflecting a year-on-year growth of 11.97% [1] Group 2: Food Security and Infrastructure Financing - The Xuzhou branch of the People's Bank of China emphasizes food security, guiding financial institutions to prepare special credit funds for grain purchases and offering interest rate discounts to grain operators [2] - In the first eight months of 2025, the city issued 8.29 billion yuan in re-loans and discounts, with 3.535 billion yuan allocated for agricultural support [2] - The Agricultural Bank of Xuzhou has increased credit investments in rural infrastructure, providing over 2 billion yuan in loans for rural projects, significantly improving living conditions in rural areas [2] Group 3: Ecological Restoration and Financial Innovation - Xuzhou has supported ecological restoration projects in 19 abandoned mining sites and promoted green low-carbon development in rural areas [3] - The Xuzhou branch of the People's Bank of China has innovated "government + finance" services, enabling local banks to handle over 240 government services and improve access to financial services in rural areas [3] Group 4: Financing Mechanisms and Entrepreneurship - The Xuzhou branch of the People's Bank of China has established a mechanism linking monetary policy tools with entrepreneurship loans, issuing 144.917 million yuan in such loans from January to August 2025 [4] - The bank has collaborated with various departments to provide targeted loans for major agricultural projects, totaling 20.5 million yuan in the same period [4] - The Xuzhou Rural Commercial Bank has issued 35.75 billion yuan in agricultural loans, benefiting nearly 100,000 small and micro enterprises and farmers [4] Group 5: Support for Agricultural Enterprises - Jiangsu Kangsheng Agricultural Development Co., which produces 60 tons of mushrooms daily, has received 30-40 million yuan in loans from Xuzhou Rural Commercial Bank, highlighting the bank's role in supporting local agricultural enterprises [5] - The bank has provided 290 million yuan in comprehensive credit support to Weiwei Food and Beverage Co., a national-level agricultural industrialization leader, facilitating its growth into a large enterprise group [7]

Group 1 - A 90s veteran, Miao Jiaxin, has transformed from a soldier to a leader in "antibiotic-free egg" farming, producing 400,000 fresh eggs daily [1] - Miao's cooperative has received 14.5 million yuan in credit support from Xuzhou Rural Commercial Bank, enabling over 30 local households to increase their annual income by over 100,000 yuan each [1] - Miao established Xuzhou Miao Jiaxin Agricultural Technology Co., achieving an annual sales revenue exceeding 80 million yuan [1] Group 2 - The Xuzhou branch of the People's Bank of China emphasizes food security, providing 1 billion yuan in relending quotas to support grain purchase loans [2] - In the first eight months of 2025, Xuzhou issued 8.29 billion yuan in relending and discounting, with 3.535 billion yuan allocated for agricultural support [2] - The Agricultural Bank of Xuzhou has increased credit investments in rural infrastructure, with over 2 billion yuan in loans for rural projects in the first eight months of the year [2] Group 3 - Xuzhou has supported ecological restoration projects, including 19 abandoned mining sites and green industry parks, promoting a transition to low-carbon rural development [3] - The Xuzhou branch of the People's Bank of China has innovated "government + finance" services, enabling local banks to handle over 240 government services [3] Group 4 - The Xuzhou branch of the People's Bank of China has established a mechanism linking monetary policy tools with entrepreneurship loans, issuing 144.917 million yuan in such loans in 2025 [4] - The bank has collaborated with various departments to provide targeted financing for major agricultural projects, issuing 20.5 million yuan in loans for significant rural initiatives [4] - Xuzhou Rural Commercial Bank has issued 35.75 billion yuan in agricultural loans, benefiting nearly 100,000 small enterprises and farmers [4] Group 5 - Jiangsu Kangsheng Agricultural Development Co., which produces 60 tons of mushrooms daily, has received 30-40 million yuan in loans from Xuzhou Rural Commercial Bank, including a recent 5 million yuan interest-free renewal loan [5] Group 6 - The Xuzhou branch of the People's Bank of China has focused on local specialty industries, establishing a credit information database for the garlic industry to enhance financial support [6] - Several banks have developed tailored financial products for the garlic industry, with total loans exceeding 1.463 billion yuan this year [6] Group 7 - VIVI Food and Beverage Co., a national agricultural industrialization leader, has received 290 million yuan in comprehensive credit support from the Agricultural Bank of Xuzhou, facilitating its growth into a large enterprise group [7] - The Agricultural Bank of Xuzhou has strengthened credit support for national and provincial agricultural industrialization leaders, with over 400 million yuan in working capital loans issued [7]

Core Points - The signing ceremony for the "Micro Loan" cooperation involving Nantong Zhongxin Group, Jiangsu Province Zai Dan Nantong Branch, and several financial institutions was successfully held in Tongzhou District [1] - The cooperation aims to alleviate the financing difficulties and high costs faced by small and micro enterprises by establishing a multi-party risk-sharing mechanism among the government, guarantee institutions, and banks [1] - Nantong Rural Commercial Bank emphasizes its commitment to serving local small and micro enterprises through product innovation, process simplification, and enhanced service delivery [1] Group 1 - The cooperation agreement was signed between Nantong Zhongxin Group's subsidiary, Nantong Zhongtou Financing Guarantee Co., Ltd., and representatives from five financial institutions, including Nantong Rural Commercial Bank [1] - Nantong Rural Commercial Bank's representative highlighted the bank's role as a key player in inclusive finance, focusing on supporting agriculture and small enterprises [1] - The bank plans to leverage its advantages, such as a short decision-making chain and extensive service network, to meet the financing needs of small and micro enterprises in Tongzhou District [1] Group 2 - The "Micro Loan" initiative is part of the bank's efforts to deepen cooperation with government and guarantee institutions, fulfilling its social responsibility [1] - Nantong Rural Commercial Bank aims to provide targeted financial resources and promote the implementation of cooperation policies to boost the local economy and improve the business environment [1]

Core Insights - The company is actively enhancing its loan services to support rural revitalization and high-quality development of the real economy, achieving a loan balance of 39.763 billion yuan by the end of August, with an increase of 1.487 billion yuan, representing a growth rate of 3.89% since the beginning of the year [1] Group 1 - The bank has implemented a "grid + list" management approach, allowing customer managers to systematically profile clients and tailor differentiated financial service plans based on industry, scale, and credit status [1] - The bank has established a "green channel" for key area loans, simplifying processes and ensuring timely completion of applications [1] - The introduction of specialized products such as "Micro Loans" and "Su Nong Loans" has improved product matching and ensured the safety of loan funds while allowing clients to benefit from policy incentives [1] Group 2 - The bank has integrated a "grid + big data" service model, regularly conducting visits and providing door-to-door loan services [2] - Customer managers are actively engaging with community committees and entrepreneurial groups to explain policies and form "mobile financial service teams" to disseminate financial knowledge [2] - These initiatives have effectively bridged the "last mile" of financial services, significantly enhancing the convenience and accessibility of loan services [2]

Core Insights - The merger of three rural commercial banks in Xuzhou has led to the establishment of Xuzhou Rural Commercial Bank, which aims to serve local communities and enhance financial accessibility [1] - As of August 2025, the bank's total assets are projected to exceed 108.088 billion, with cumulative agricultural loans amounting to 35.75 billion, benefiting nearly 100,000 small and micro enterprises and farmers [1] Innovation in Services - The bank has implemented the "Sunshine Credit Whole Village Credit" initiative, which simplifies the loan process for farmers, allowing them to receive funds quickly through mobile banking [2] - By August 2023, the bank has provided pre-credits totaling 27 billion to 227,300 farmers and individual businesses, with 34,500 farmers utilizing online self-service credit amounting to 4.166 billion [2] Addressing Agricultural Financing Challenges - The bank has introduced various financial products to tackle the challenges of high financing costs and lack of collateral in the agricultural sector, including "Micro Loan," "Su Ke Loan," and "Su Nong Loan" [3] - By August 2025, the bank's provincial credit products have served 490 clients with a total balance of 0.818 billion [3] Customized Financial Products - The bank has developed tailored financial products such as "Xingcun Qiangti Loan" for village economic cooperatives, offering credit up to 10 million [4] - Collaborations with provincial agricultural guarantees have led to the "Industry Prosperity Loan" and "Increase Loan," with a total of 0.21 billion and 0.299 billion disbursed to 525 and 175 clients respectively [5] Comprehensive Financial Services - The bank has established 139 physical service outlets across the city, ensuring full coverage in rural areas, and has set up 166 convenience service points to facilitate easy access to financial services [6] - Strategic partnerships with local government agencies have resulted in the establishment of 77 comprehensive service points for social security, medical insurance, and administrative services, processing over 120,000 administrative transactions [7]

Core Viewpoint - Hai'an Rural Commercial Bank emphasizes its commitment to supporting local development through precise loans and attentive services, rooted in its historical legacy and red gene spirit [1][2][14]. Group 1: Historical Context and Growth - Established 73 years ago, Hai'an Rural Commercial Bank has evolved from a local credit cooperative to a modern commercial bank with total deposits and loans exceeding 150 billion yuan [1]. - The bank has received over 300 honors at national, provincial, and municipal levels, reflecting its trust from the government and recognition from the market [1]. Group 2: Red Spirit and Community Engagement - The bank integrates red spirit into its services, creating innovative service models that enhance community engagement and support local development [2]. - Initiatives include building red-themed educational sites and providing financial services directly to communities, such as mobile banking services [2][4]. Group 3: Targeted Financial Products - Hai'an Rural Commercial Bank has developed specialized loan products for key demographics, including veterans, returning youth, and unemployed individuals, to support their entrepreneurial efforts [3]. - The "Embrace the Army Loan" and "New Farmer Elite Loan" have successfully provided substantial funding to help individuals start businesses and create jobs [3]. Group 4: Financial Support for Local Industries - The bank plays a crucial role in local industrial upgrades by offering tailored financial solutions throughout the business lifecycle, from startup to maturity [5][6]. - It has implemented a "chain-based" financial service model to meet the financing needs of various sectors, ensuring that financial resources are effectively allocated along the industrial chain [7]. Group 5: Cost Reduction and Efficiency - The bank focuses on reducing costs for enterprises by offering various loan products and lowering interest rates, thereby enhancing operational efficiency [8]. - It has streamlined loan approval processes, significantly reducing the average approval time to support businesses in a competitive market [8]. Group 6: Rural Revitalization Efforts - Hai'an Rural Commercial Bank is committed to rural revitalization by providing accessible financial services to farmers, enabling them to secure loans easily [9]. - The bank has established a comprehensive credit system that covers all administrative villages, allowing farmers to access loans through mobile banking [9]. Group 7: Support for Specialty Industries - The bank supports local specialty agriculture by creating tailored financial service models for key agricultural products, ensuring stable supply and market expansion [10]. - It has provided significant funding to various agricultural enterprises, facilitating their growth and technological advancements [10]. Group 8: Social Responsibility and Community Support - The bank actively participates in social welfare initiatives, contributing over 300 million yuan to charitable causes and establishing support stations for outdoor workers [14]. - It has implemented programs to assist vulnerable groups, including children and the elderly, demonstrating its commitment to community welfare [14]. Group 9: Workforce Development - Hai'an Rural Commercial Bank invests in employee training and development, focusing on enhancing skills related to customer service and financial products [13]. - The bank promotes a culture of continuous learning and community engagement among its staff, ensuring they are well-equipped to meet local needs [13].

Core Insights - Xuzhou Rural Commercial Bank focuses on addressing long-standing pain points faced by agricultural entities, such as high financing costs, difficulty in obtaining guarantees, and information asymmetry, through product innovation, mechanism construction, and government-bank cooperation over the past five years [1] Product Innovation - The bank promotes provincial products like "Micro Loan," "Su Nong Loan," and "Su Quality Loan," leveraging government credit enhancement and risk-sharing to effectively lower financing thresholds [1] - As of August 2025, these products have served 490 clients with a total balance of 818 million yuan, helping farmers transition from small-scale operations to larger-scale management [1] Customized Financial Solutions - The bank has introduced tailored products to meet diverse needs, such as the "Three Towns Support Loan," which provides subsidized loans to returning youth, exemplified by a 200,000 yuan startup fund for a family farm [1] - The "Village Strengthening Loan" offers up to 10 million yuan in credit for village economic cooperatives, supporting 198 collective economic entities [1] - In 2024, the bank collaborated with guarantee institutions to launch "Industry Prosperity Loan" and "Incremental Loan," disbursing 210 million yuan and 299 million yuan respectively [1] Risk Mitigation Strategies - By establishing a multi-party risk-sharing model involving banks, government, and guarantees, the bank has reduced guarantee fees and implemented fiscal interest subsidy policies, effectively alleviating the financial burden on farmers [1] - This approach ensures that agricultural loans are both easy to obtain and secure to repay, contributing to the overall goal of rural revitalization [1]