审批流程做"减法"，服务效能做"加法"。8月以来，南通农商银行紧扣高质量发展主线，坚持"精准研 判、审慎经营"，以问题为导向统筹推进授信审批工作，在审批效能、流程优化和队伍建设等方面取得 显著成效。 审批提速增效，资金精准直达。全行授信审批高效运转，8月单月审查审批贷款810户，金额20.3亿元， 快速通过率稳定在92.5%。严格落实"当日响应、限时办结"承诺，及时受理和审批待批业务，确保审批 时效。通过建立跨部门沟通机制与信息共享平台，加强前中后台协作，提升信息传递和审批效率。 流程优化升级，风控屏障加固。持续推进"全流程标准化+动态化"审批体系建设，细化资料完整性、客 户资质和经营状况等八大核心审查维度，推动审批从"经验驱动"转向"规则驱动"。落实风险分担产品管 理要求，加强准入管理。授信审批部与普惠金融部联动，明确调查审查要点，统一业务流程与标准，尤 其在续贷业务上协同筑牢风控屏障。 一线精准赋能，双向联动增效。组织审批人员赴石港、陈桥等8家支行开展驻点审批，针对风险分担产 品续授信等难点进行个性化辅导，提升一线规范与合规操作。通过"送服务进支行"贴近市场、了解基层 诉求、收集优化建议，针对性改进流程， ...

□ 李蓉蓉 截至2025年6月末，张家港农商银行母公司涉农及小微贷款余额1246.25亿元，较年初增加83.89亿元，占 比90.88%；单户1000万(含)以下贷款户数占比达99.01%；民营企业贷款余额848.11亿元，较年初增加 52.83亿元，占比61.85%；普惠型小微企业贷款增速9.15%，高于各项贷款增速1.09%。 围绕企业产业链整合、降本增效、多元化资产配置和资本市场布局等需求，该行提供并购融资、银团贷 款、债券承销、投资顾问等综合服务，并配套结构性存款、大额存单、银企直联等现金管理工具， 融"资"更融"智"，为企业跨越发展、布局全球提供顶层设计和全程金融支持。 构建"特色化深耕"的差异金融服务。依据各机构发展定位和区域资源禀赋差异，持续推进客群"分类施 策、分层营销"策略，做深做透公司客群，力争做中小企业、村级经济金融服务的主导者，优质大型企 业金融服务的参与者，政府乡镇单位金融服务的助力者。 遵循"做深做透小网格，做精做稳大市场"的理念，今年以来，张家港本地机构实施属地化经营。通过数 据穿透式梳理、风险分级认定、实地拜访衔接，客户维护半径明显缩短，服务响应时效显著提升，为区 域市场精耕筑 ...

Core Viewpoint - The banking industry is undergoing significant transformation, with local financial institutions playing a crucial role in supporting regional economic development and meeting diverse financial needs of the public [1] Group 1: Focus on Inclusive Finance - Zhangjiagang Bank prioritizes inclusive finance as its core strategy, focusing on small and micro enterprises, with agricultural and small micro loans reaching 1246.25 billion yuan by June 2025, an increase of 83.89 billion yuan from the beginning of the year, accounting for 90.88% of the total [2] - The bank offers tailored financial services for enterprises at different stages, including various credit products that reduce reliance on financial indicators and utilize policy guarantees and a three-dimensional assessment model [2] Group 2: Comprehensive Financial Services - For mature enterprises, Zhangjiagang Bank provides a range of services including merger financing, syndicate loans, bond underwriting, and investment advisory, along with cash management tools to support global expansion [3] - The retail sector is also a key area for the bank, focusing on consumer credit innovation and optimizing services to stimulate local consumption through a three-dimensional support system [3] Group 3: Risk Management - As of June 2025, the bank maintained a non-performing loan ratio of 0.94%, stable compared to the beginning of the year, and a provision coverage ratio of 383.98%, indicating strong risk mitigation capabilities [4] - The bank employs rigorous pre-loan investigations, in-process reviews, and post-loan management to effectively identify and mitigate credit risks [4] Group 4: Industry Recognition - Zhangjiagang Bank has received multiple accolades, ranking 502nd among the world's top 1000 banks and being recognized as an excellent participant in foreign exchange clearing business [5] - The bank aims to continue optimizing financial services and adapting to national policy directions to strengthen its support for enterprises and contribute to the new development pattern [5]

Core Viewpoint - The state-owned enterprises in Huai'an have demonstrated significant growth and development in the first half of 2025, with a focus on deepening reforms, asset revitalization, and industrial upgrades, resulting in a solid trajectory of high-quality development [1] Reform Initiatives - The Huai'an state-owned assets system has streamlined its management structure, reducing departments by 134 and personnel by 465, leading to a 30% increase in efficiency [2] - The introduction of the "National Assets Small Warehouse" platform has improved the transparency and accessibility of asset information, facilitating direct leasing and sales of approximately 500 properties [2] Credit Ratings - A total of 14 enterprises in Huai'an have achieved AAA credit ratings, with six new companies receiving this rating, marking a significant milestone for the region [3] Economic Contributions - The Huai'an Port—Shanghai Yangshan Port direct container shipping route has successfully launched, reducing transportation time and logistics costs by over 40% [4] - The city’s financing guarantee group has supported 873 small and micro enterprises with a total of 19.66 billion yuan in guarantees [4] Innovation and Industry Growth - The semiconductor industry is rapidly developing, with a project expected to produce approximately 14.58 million 12-inch gold bumps and 2.97 billion COG chips annually [5] - The "Hui Fang Yuan" platform has facilitated over 30 million tons of cotton trading, with a projected annual trade volume exceeding 10 billion yuan [6] Regulatory Enhancements - The upgraded "National Assets Competition Financing Debt Management Platform" has improved financing oversight, with 3,317 financing information releases totaling 405.39 billion yuan [7] - New regulations have been introduced to enhance the transparency and effectiveness of state-owned enterprise supervision, focusing on data and process penetration [7]

Group 1: Core Insights - Shanghai Yuancai Investment has conducted research on Zijin Bank, focusing on its commitment to serving the real economy and supporting rural revitalization [1] - Zijin Bank has made significant progress in financial support for small and micro enterprises and inclusive finance, with a strategic focus on agriculture, small and medium enterprises, and urban-rural integration [1] - The bank has launched various micro-loan products, including "Tongshang e-loan," "Micro Enterprise Easy Loan," and "Settlement Easy Loan," to better serve small businesses [1] Group 2: Product Offerings - Zijin Bank has established a comprehensive agricultural loan product system, including "Jinling Huinong Small Loan," "Jinling Huinong Loan," "Huinong Quick Loan," and "Sunong Loan," to meet the diverse needs of farmers [1] - The bank is actively promoting the construction of rural convenience service points to enhance the level of inclusive financial services [1] Group 3: Company Overview - Yuancai Investment, founded in August 2009, is a well-known private equity management company specializing in secondary market stock investments, with a management scale exceeding 10 billion [2] - The company has a mature organizational structure, incentive mechanisms, risk control, compliance, and research framework, with a current active management scale of 7 billion [2] - The founder, Zhang Yichi, has extensive experience in fund management and has a proven track record in the industry, particularly in the pharmaceutical sector [2]

Core Viewpoint - The implementation of the "Implementation Opinions" by seven departments, including the Ministry of Agriculture and Rural Affairs, aims to enhance the overall effectiveness of the agricultural science and technology innovation system, facilitating financial support for agricultural technology enterprises [1] Financial Support and Innovation - Financial institutions are encouraged to interact with agricultural technology enterprises through precise financial support, addressing funding shortages and promoting capacity expansion and technology transfer [1][2] - Agricultural Development Bank of China in Heilongjiang has issued a total of 125.63 billion yuan in agricultural technology loans since the beginning of the 14th Five-Year Plan, with 9.53 billion yuan allocated to key areas such as high-end agricultural machinery and digital agriculture this year [2] Challenges and Solutions - Financial institutions face challenges such as insufficient professional risk assessment and information asymmetry between banks and enterprises [2] - Recommendations include designing exclusive financial products for agricultural technology enterprises, enhancing support for technology transformation, and establishing a virtuous cycle between technology, industry, and finance [3] Enhancing Financial Service Efficiency - Financial institutions plan to deepen cooperation with government departments and research institutions, providing comprehensive support throughout the lifecycle of agricultural technology enterprises, including preferential interest rates [4] - The establishment of an agricultural technology enterprise database is proposed to improve risk assessment and service efficiency through a combination of online and offline service models [4] Innovative Financial Products - A pilot program for agricultural technology innovation points will link enterprise innovation scores to credit limits, offering interest rate discounts and credit support for high-scoring enterprises [5] - The integration of external experts into financial teams aims to enhance project evaluation capabilities and provide specialized training in cutting-edge agricultural technologies [6]