更具创新性的是"业务导师+营销导师"双轨带教模式。在新员工首季度培养中，该行派出双导师指导新 员工完成超450户实地走访，并实现落地6户以上、贷款金额超200万元的实战成果，显著加速了新人的 业务理解和风险识别能力培养过程。这套可复制的培养体系，为该行小微金融业务的快速规模化扩张奠 定了坚实的人才基础。 面对小微企业"缺抵押、缺报表、缺信用"的传统融资困境，如何实现可持续的普惠金融服务？江南农商 银行通过构建"人才培养体系化、业务模式场景化、经营管理数字化"三位一体的发展模式，不仅有效破 解了自身在服务小微过程中"能不能做""有没有市场"和"愿不愿做"的核心命题，更为区域小微企业的成 长精准注入了金融活水。截至今年10月末，该行小微贷款余额已突破27亿元，服务客户超2500户，资产 质量保持优异。 体系化赋能：破解"能不能做" 人才是普惠金融可持续的核心。近年来，江南农商银行打破传统的"师带徒"模式，建立了一套覆盖员工 全职业周期的分层培养体系，旨在系统性解决客户经理"不会贷、不敢贷"的能力瓶颈。 该行针对新员工实施"新羽计划"，通过标准化课程与实战模拟，使其能在30天内学会独立完成基础贷前 调查，上岗效率提 ...

作为小微创业生态中不可或缺的力量，女性创业者一直是平安融易重点关注与服务的对象。自2017年 起，平安融易持续支持中国妇女发展基金会"@她创业计划——母亲创业循环金项目"开展，携手赋能女 性创业的探索之路。多年来，双方累计在黑龙江、甘肃等6个省区市发放循环金达4310万元，惠及众多 女性创业者。在黑龙江齐齐哈尔，平安融易联合中国妇女发展基金会扶持的赤松茸产业不仅为当地创造 了可观的经济效益，更激活了农村创业就业的新动能；在甘肃临洮，平安融易助力当地百合产业突破地 域限制，让这一特色农产品从黄土地走向全国市场，成为当地群众增收致富的重要支柱。 以本次创业赋能培训为起点，平安融易"小微背后的力量"系列公益行动正式启航，未来将通过金融支 持、产业赋能、渠道拓展等多元化方式，为各领域小微提供全方位支持，助力产业发展和乡村振兴。展 望未来，平安融易表示，公司将持续深化公益实践，在产业帮扶的道路上持续深耕，让金融的温度覆盖 产业发展全链条，切实推动地方经济高质量发展，既做小微创业者的同行者，也做乡村振兴战略落地的 践行者，让产业发展的成果真正惠及每个小微，为实现共同富裕的时代目标贡献平安融易的坚实力量。 同时，本次培训与 ...

Core Viewpoint - The National Financial Supervision Administration's notice aims to enhance financial services for small and micro enterprises (SMEs) by guiding banks to implement precise and sustainable financial support systems, ensuring efficient capital flow to the economy's "capillaries" [1][2]. Group 1: Financial Service Strategies - Banks are encouraged to collaborate with government departments to accurately assess the operational status and financing needs of SMEs [1]. - A multi-layered and comprehensive financial service system should be established to ensure effective supply of credit to SMEs [1]. - Financial technology should be utilized to reduce operational costs and streamline financing processes for SMEs [1]. Group 2: Enhancing Trust and Service Quality - Improving service quality is crucial for banks to gain the trust of SMEs, necessitating the establishment of incentive mechanisms that favor small business financing [2]. - Banks should focus on increasing the coverage of first-time loan clients and optimizing loan structures to include more credit and medium-to-long-term loans [2]. - Collaboration with industry regulators and local governments is essential to enhance the effectiveness of financial services for SMEs [2]. Group 3: Long-term Commitment and Social Responsibility - Banks are urged to actively fulfill their social responsibilities by providing high-quality, efficient, and comprehensive financial services to support the growth of SMEs [2]. - Continuous efforts are needed in areas such as credit supply, service quality, and ecosystem development to foster a favorable environment for SMEs [2].