丹阳，这座因镜而兴的城市，汇聚了从设计、研发到制造、销售的全产业链条。然而，眼镜行业企业多 以民营、小微企业为主，普遍面临着"短、小、频、急"的融资需求痛点——用款周期短、贷款额度相对 小、资金使用频率高、需求响应要求急。这些特点使得传统信贷服务往往难以完全匹配，成为制约企 业，特别是中小微企业转型升级的"拦路虎"。 丹阳农商银行深刻洞察这一产业特性，将支持眼镜产业高质量发展提升至战略高度。该行并非简单地进 行信贷投放，而是致力于构建一个全覆盖、多层次、高效率、可持续的金融服务体系。通过对产业链进 行深入调研和摸排，他们精准绘制了眼镜产业的"金融图谱"，明确了从原材料供应商、镜片镜架制造 商、设备供应商到终端销售商的全链条服务路径，确保金融活水能够精准滴灌至每一个有需求的环节。 创新产品矩阵，破解融资难题的"丹阳方案" 面对企业的多元化融资需求，丹阳农商银行大力推动信贷模式与产品创新，打造出一套极具竞争力 的"产品矩阵"，实现了从"一款产品打天下"到"一企一策精准赋能"的华丽转身。 特色产品一："小本经营贷"——小微企业的"及时雨" 针对小微企业和个体工商户"轻资产、无抵押"的融资困境，丹阳农商银行推出纯信用 ...

Core Insights - Danyang Rural Commercial Bank has focused on enhancing its inclusive financial service system by targeting key customer segments and optimizing credit processes to support the real economy [1][2][3] Group 1: Customer Focus - The bank has specifically targeted "gold-collar" customers and individual businesses, launching differentiated credit schemes that resulted in 263 new credit accounts for gold-collar customers and 179 for individual businesses [1] - Loans to the manufacturing sector increased by 875 million yuan, representing a growth of 6.48%, while loans to private enterprises rose by 1.119 billion yuan, with a growth rate of 5.99% [1] Group 2: Process Optimization - The bank has implemented a "three reductions" reform aimed at minimizing documentation, steps, and customer effort, which has improved response times and processing durations [2] - Credit managers are required to complete initial reviews and on-site due diligence within two days, with strict timelines for submitting credit applications [2] - The "no-sense renewal" mechanism has enabled automatic renewals for 4,492 accounts, accounting for 92.24% of renewals, significantly reducing the average transfer time for retail customer managers by over 90% [2] Group 3: Process Control - The bank employs a "1585" customer list management system to monitor and update the status of key clients, ensuring proactive management of loan renewals and customer engagement [2] - As of the end of March, the overall renewal rate for accounts and balances increased by 5.23 and 4.62 percentage points, respectively [2] Group 4: Future Outlook - The bank plans to deepen its "Party Building + Finance" collaborative mechanism and optimize the "Digital Government + Inclusive Finance" ecosystem to support private enterprises and rural revitalization [3]