支持民营和中小企业，既是银行的社会责任，也是商业可持续的必然选择。当更多企业在金融的滋养下 枝繁叶茂，当劳动者收入随企业成长水涨船高，共同富裕的根基将更牢固，中国式现代化的画卷也将更 加生动。 本报编辑部 降低融资成本，不能简单地指望利率"一降了之"，而要构建"综合减负"生态。简单压价反而可能加剧融 资难度。为此，银行可从三方面破局：一是清理贷款环节的不合理收费，把LPR下行红利全额让渡给企 业；二是用好政府性融资担保、风险补偿基金，通过多方共担降低对抵押物的依赖，使风险定价回归合 理区间；三是提供"融资+服务"组合拳，帮助企业优化财务、对冲汇率风险，从非资金端降低运营成 本。只有融资成本下降与经营效率提升同频共振，中小企业才能真正焕发生机。 民营和中小企业是吸纳就业的主力军、技术创新的生力军，也是县域经济活力的源头活水。然而，"融 资难、融资贵"是其发展道路上常见的阻碍。 更高阶的价值，是培育企业的"自我造血"能力。共同富裕不是简单分蛋糕，而是做大蛋糕、提升全社会 发展能力。银行可把信贷资源投向绿色技改、数字化转型，帮助企业跨越技术门槛；深入产业园区，提 供财务规划、市场对接、管理升级等"融智"服务，补齐企 ...

Core Viewpoint - Anfu Rural Commercial Bank is committed to enhancing local economic services and improving people's livelihoods by implementing targeted financial services to meet community needs and support the real economy [1] Group 1: Service Area Expansion - Anfu Rural Commercial Bank aims for comprehensive financial service coverage in county areas, optimizing its network of 24 branches and 157 inclusive financial service stations [2] - The bank is upgrading old facilities and implementing age-friendly modifications to enhance customer experience [2] - The establishment of three fully functional and two benchmark service stations allows villagers to conveniently conduct basic financial transactions without leaving their villages [2] Group 2: Targeted Clientele Focus - The bank focuses on small and micro enterprises, individual businesses, and farmers, offering tailored financial products [3] - It has streamlined credit processes to provide loans within one working day, addressing the urgent funding needs of small businesses [3] - The "whole village credit" model and "small household credit loans" are promoted to lower financing barriers for farmers [3] Group 3: Service Content Enrichment - Anfu Rural Commercial Bank is expanding its service offerings beyond traditional deposit and loan services [4] - The bank conducts financial literacy activities in rural areas and industrial parks, reaching over 8,000 individuals this year [4] - These initiatives aim to enhance financial risk awareness and basic financial literacy among county residents, particularly in rural areas [4]

Core Viewpoint - The event aimed to address the financing challenges faced by local businesses and individual entrepreneurs by providing tailored financial services and promoting inclusive financial policies [1][3]. Group 1: Event Overview - The "Credit + Finance" policy seminar was held on July 3, organized by the Jintai District Market Supervision Administration [1]. - The seminar gathered various stakeholders including the district market regulation bureau, development and reform bureau, municipal credit loan platform, local government, and multiple financial institutions [3]. Group 2: Financial Services Offered - Jintai Rural Commercial Bank's Panlong branch introduced specialized credit products for small and micro enterprises, such as "Qin Zengxin," "Qin e Loan," and "Small Credit Loans for Farmers," which are characterized by low interest rates and convenience [5]. - The branch provided one-on-one financial services, helping businesses navigate the loan application process and match them with suitable financing solutions [5]. Group 3: Engagement and Follow-up - Over 50 market entities participated in the seminar, allowing the Panlong branch to collect financing needs directly from businesses [5]. - The bank plans to enhance collaboration with government and enterprises, regularly conducting financial knowledge dissemination and financing connection activities to support the high-quality development of the local economy [5].

在保障国家粮食安全的战略版图上，政策性粮食储备企业如同稳固的"压舱石"，肩负着连接生产与消 费、平衡市场供求的重任。作为湖北襄阳粮食系统的核心企业，老河口华粮粮食储备有限公司（以下简 称"老河口华粮"）正紧锣密鼓地备战即将到来的粮食收储旺季。中国银行襄阳分行精准把握农时，以高 效专业的金融服务，及时为其注入1000万元流动资金贷款，有力保障了地方"粮袋子"收储任务的顺利完 成，贡献了金融"粮"策。 政策性粮食储备是国家粮食安全的"蓄水池"和"稳定器"，在调节市场供求、稳定粮价、应对突发情况等 方面发挥着不可替代的作用。中国银行襄阳分行积极发挥金融主力军作用，聚焦粮食产业链，通过全链 条金融服务体系与多元化产品布局，为农业生产注入强劲动能。从粮食产业链上游的种子选育、土地深 耕，到田间作物生长周期管理，再到成熟后的收割、仓储以及下游的粮食深加工、品牌化销售，中行围 绕各个环节定制金融解决方案，以全周期、全场景的服务模式保障产业链高效运转。在政策层面，该行 持续加大资源倾斜力度，优化信贷规模配置，优先满足涉农领域资金需求；不断优化审批流程，专门开 辟绿色服务通道，简化材料提交、压缩审查时限，确保农户与企业在春耕备 ...

Group 1 - The company emphasizes the importance of digital transformation and has strengthened its digital services to support overall management [1] - The bank has developed small credit loan products based on transaction flows, which have been well received by small business owners [1] - A comprehensive risk monitoring system has been established to enhance risk management capabilities through a digital risk control platform [1] Group 2 - As of the end of 2024, the bank has 97 branches and has successfully transformed from a local bank to a regional bank [2] - The total assets of the bank amount to 218.9 billion, with total deposits of 166.6 billion and total loans of 137.3 billion [2] - The bank has approximately 2,300 employees and has initiated the establishment of two holding village banks [2]