Core Viewpoint - The third Low Altitude (Suzhou) Industry Innovation Ecological Conference and the 2025 Digital Low Altitude Conference was held in Suzhou, focusing on the theme "Digital Innovation Leads, Intelligent Benefits for the Future" [1] Group 1: Financial Support Initiatives - Changshu Rural Commercial Bank actively engaged in the low-altitude economy sector by leveraging its financial institution advantages to communicate with industry representatives, researchers, and experts [1] - The bank has implemented various measures to support the development of the low-altitude economy, including financial service innovation, industry chain collaboration, talent cultivation, and resource integration [1][2] - Financial products offered by the bank, such as "Patent Loan," "Talent Loan," and "Hui Ke Loan," are designed to meet the needs of technology-driven companies in the low-altitude economy, characterized by light assets and high R&D investment [1] Group 2: Comprehensive Service Coverage - The bank provides full-cycle services covering all stages of enterprise development, offering construction loans for newly introduced companies and working capital support for mature enterprises [2] - A "policy supermarket" has been established, integrating over a hundred policies, including tax incentives and technological transformation subsidies, to assist companies in matching applicable projects [2] - The bank actively builds platforms for government, banks, and enterprises to connect, supporting low-altitude economic activities and promoting technological cooperation and order matching among industry chain enterprises [2] Group 3: Talent Development and Future Plans - The bank has a dedicated team for scientific and technological innovation, conducting in-depth research on low-altitude economic trends and collaborating with universities to establish postdoctoral workstations [2] - As the low-altitude economy is a rapidly growing emerging industry, the bank aims to provide comprehensive and customized financial services to enterprises in this sector through multi-dimensional initiatives [2] - The bank plans to continue its efforts in financial innovation to empower the low-altitude economy and explore new development paths in collaboration with industry stakeholders [2]

Core Insights - The private economy in Changshu, Jiangsu, is thriving, with over 70,000 private enterprises and more than 200,000 individual businesses contributing over 60% of the city's tax revenue and over 80% of employment [1][8] Group 1: Grid-based Financial Services - Changshu Rural Commercial Bank has implemented a "grid-based" service model, enhancing financial service accessibility for small and micro enterprises [3] - The bank's "three credit" initiative has established a comprehensive service network covering urban and rural areas, achieving a credit approval rate of nearly 80% for over 400,000 households [3] - The bank's approach aims to make financial services permeate the economy at all levels, likening it to capillaries in the financial system [3] Group 2: Integrated Services - The bank offers integrated services that combine finance with other sectors, exemplified by providing low-interest loans and e-commerce training to farmers, resulting in a twofold increase in online sales for one farmer [5] - A "policy supermarket" has been created to help businesses access over 100 government policies, enhancing the connection between finance and industry [5] - The bank supports technology companies with innovative financing solutions, such as using intellectual property as collateral, facilitating a $10 million funding package for a semiconductor materials firm [5] Group 3: Digital Empowerment - The bank has digitized its loan processes, allowing for fully online applications and approvals, significantly speeding up financing for small businesses [7] - A comprehensive online product matrix supports over 40,000 credit clients, utilizing big data for automated risk assessment and approval processes [7] - The bank's risk control measures have achieved a 90% accuracy rate in risk warnings, maintaining a non-performing loan rate below 1%, which is better than the industry average [7]