南通农商银行始终坚守服务地方经济的初心，全面贯彻中央金融工作会议精神，以战略定力深化普惠金 融服务。近年来，该行通过健全机制、集聚资源、创新产品、落实政策和夯实基础，推动支农支小业务 稳步发展。截至5月末，全行实体贷款余额536.14亿元，较年初增长4.35%；有效贷款客户数35389户， 较年初净增746户；制造业贷款同比多增8.43亿元；民营企业贷款同比多增16.31亿元。 机制引领，铸就普惠服务新格局 该行以顶层设计驱动服务升级，构建了高效、专业的支农支小体系。在战略层面强化指引，认真贯彻中 央政策，将支持民营和小微企业纳入全行战略规划，完善党委领导下的公司治理，确保服务重心下沉至 基层。在制度层面强化保障，制定出台《做小做散上下联动挂钩考核方案》，量化小微贷款指标，通过 高管带头、片区聚力和部室帮扶，推动年度目标高效达成。在执行层面强化责任，建立责任追溯机制， 对支农支小工作中表现突出的员工给予奖励，对未完成任务或出现违规操作的人员予以问责。加强对一 线营销人员的分层培训，提升业务能力和服务意识，确保每一项支农支小政策都能准确、高效地落实到 客户身上。 资源协同，扩大金融供给覆盖面 该行聚焦市场需求， ...

"建设冷库、订购设备都是不小的投入，如今新增融资的门槛和成本都很高。今年6月，我们通过省 农担公司泗阳分公司担保了180万元贷款，享受乡村振兴担保费用补贴政策，减免7200元担保费用。"泗 阳鲜甲农业有限公司经营人胡飞说。他是泗阳县从事甲鱼养殖的老板之一，为了拓宽销售渠道、延伸产 业链，去年投资新建了一条甲鱼加工生产线。目前，1000平方米的厂房已完工，新增季节性用工20多 人，预计年销售额超1000万元。 据了解，工作队首期设立100万元农业融资担保费用补贴专项资金，省农担公司泗阳分公司开发"富 民强村贷"特色担保产品。为了精准扶持项目主体，采取分类补贴的形式，即对首次申请农担公司担保 的农业经营主体、纳入工作队项目实施清单的农业经营主体、位于经济薄弱村的农业经营主体，给予担 保费100%补贴；对其他农业经营主体，给予首年担保费50%补贴，经费补贴采取"免申即享、直达快 享"方式。农业担保费用补贴政策施行近3个月来，已向58户农业经营主体授信担保5268万元。经测算， 首期100万元担保费用补贴资金，预计撬动信贷资金约2亿元、受益主体超200户。 当前，全省农业生产进入夏季田间管理阶段。农业现代化进程加速推 ...

Core Viewpoint - Successful inclusive finance in China should achieve significant results in six areas: broader access to basic financial services, easier financing for businesses, stronger financial support for rural development, improved financial consumer education and protection, enhanced financial risk prevention, and a more complete inclusive finance support mechanism [1] Group 1: Inclusive Finance Development - Hengfeng Bank has consistently focused on serving the real economy and supporting small and micro enterprises through product innovation and technology empowerment, significantly contributing to inclusive finance [1] - As of May 2025, Hengfeng Bank's small and micro loan balance reached 179.808 billion yuan, a 9.62% increase from the beginning of the year, with a notable rise in loans to manufacturing and technology enterprises [1] Group 2: Growth Metrics - From 2019 to 2024, Hengfeng Bank's inclusive small and micro loan balance grew from 11.3 billion yuan to 57 billion yuan, with an average annual compound growth rate exceeding 38%, and the number of clients increased from under 9,000 to over 34,000 [9] - Hengfeng Bank has successfully reduced the average interest rate on small and micro loans by 30 basis points since the beginning of the year, enhancing financial support for small enterprises [9] Group 3: Financial Product Innovation - Hengfeng Bank has developed a diverse range of inclusive financial products, including five major offline product categories and six online product categories, to meet the varied financial service needs of small and micro clients [14] - The bank has launched specialized products for different sectors, such as "Park Loan" for industrial park enterprises and "Science and Technology Loan" for technology-based small enterprises [14] Group 4: Digital Transformation - Hengfeng Bank is advancing its digital transformation by building a digital credit comprehensive service system, which has facilitated the issuance of inclusive loans totaling 6.6 billion yuan, with a remaining balance exceeding 5 billion yuan [12] - The bank has established a digital model system for credit processes, implementing various digital projects to enhance operational efficiency [13] Group 5: Regional Focus and Support - Hengfeng Bank is expanding its financial services based on regional characteristics, launching products tailored to local economic needs, such as "Good Cow Quick Loan" and "Good Grain Quick Loan" in Shandong [16] - The bank is committed to supporting rural revitalization by developing a comprehensive financial service system that integrates various industry models and local advantages [17]

Group 1 - The core viewpoint of the articles emphasizes the innovative service models adopted by the Industrial and Commercial Bank of China (ICBC) to enhance customer experience and accessibility since 2025 [1][2][3] Group 2 - ICBC has streamlined account opening processes by allowing online applications and pre-approval, significantly reducing processing time while maintaining risk control [1] - The introduction of "Huinong Quick Loan" allows customers to apply for loans autonomously, receive real-time updates on limits, and enjoy automatic approvals and flexible usage [1] - The bank has upgraded its electronic payment channels, including mobile banking and online banking, to meet diverse customer needs, particularly for the elderly [1] Group 3 - The transformation of physical branches into "smart outlets" aims to provide a one-stop service experience, optimizing branch layouts and enhancing self-service capabilities [2] - ICBC is focusing on personalized financial product recommendations and transitioning from transactional to advisory services [2] - The "Code Winning" service allows customers to apply for key services conveniently by scanning QR codes, improving service efficiency [2] Group 4 - ICBC is committed to inclusive finance by providing on-site services for customers who are unable to visit branches, thereby addressing the "last mile" of financial service delivery [3] - The bank conducts financial literacy programs to protect consumer rights and enhance awareness of financial risks among rural residents [3]

机构简介： 远策投资，创立于2009年8月，是业内知名的老牌私募管理公司，主要做二级市场的股票投资业务，15 年成为首批管理规模破百亿的股票策略私募公司。成立满11年，公司无论是组织架构、激励机制、风控 合规、投研框架都十分成熟完善，目前二级主动管理规模70亿，团队30人，基金经理3位，研究员8位， 交易员4位，核心管理团队长期稳定，平均入职年限8年。 远策成立以来，持续深耕机构业务，进入十 家大型银行私募合作白名单，得到银行理财资金为主的机构客户的高度认可和持续增配。2018年以来， 开始发力渠道零售业务，并取得较大进展。目前重点合作的银行有：工行、中行、招行、浦发、交行 等；重点合作的券商有：中信证券、中信建投、国泰君安、银河证券、兴业证券等。2018年进入浦发银 行总行私行代销第一支产品，目前已发行6期产品，存续管理规模近15亿。2015年在招总行私人银行部 代销第一支产品，2019年发行第二支私募定投产品，并进入招总行私人银行部十家战略合作机构名单， 近三年收益在招行遴选的一百多家私募投顾中排名前列。 创始人张益驰是国内最早一批基金经理，19 年从业经验，16年投资管理经验，02年加入华夏基金，曾任华 ...

本报记者李美丽通讯员戴萌 江苏泗阳农商银行作为地方金融主力军，始终牢记服务"三农"使命，以创新为笔、以担当为墨，绘就一 幅产业兴旺、生态宜居、生活富裕的乡村振兴新画卷。 深耕"三农"沃土 赋能乡村振兴全链条 "我行将金融服务嵌入乡村振兴全链条。"泗阳农商银行党委书记、董事长李杨介绍称，在产业端，该行 围绕"一镇一特、一村一品"，推出"乡情贷""红创贷"等特色产品，支持卢集镇水产养殖、临河镇精品果 蔬等特色产业贷款余额达2.9亿元；在生态端，创新"环保贷""绿色权益贷"，对秸秆回收、畜禽粪污处 理企业给予利率优惠，助力打造生态宜居乡村；在民生端，发放社保卡84万张，打造"农商·苏服办"政 银合作专区，实现25项政务服务就近办理。 针对小微企业融资困境，该行开展"金融惠企大走访"，建立"边走访、边梳理、边解决"机制。据悉，该 行在今年4月走访的125户企业中，现场解决34户融资需求，对暂时困难的企业提供"一企一策"辅导。 据记者了解，针对农业机械化需求，泗阳农商银行创新推出"农机贷"产品，截至目前已累计发放1500万 元贷款，支持农户购置农机具50余台。 像杨兵一样受益的还有穿城镇的家庭农场主徐琪。徐琪从昔日的低 ...

人勤春来早，春耕正当时。当前正值春耕生产的关键时期，作为服务"三农"的金融主力军，睢宁农商银 行把服务春耕备耕作为当前信贷工作的重中之重，在调研走访、产品创新、优化服务等方面持续发力， 将"金融春雨"灌溉田间地头，全力助力春季农业生产开好局。截至当前，该行累计发放春耕生产贷款 3.55亿元，惠及农户4046户。 早谋划、早部署，精准布局"春耕图"。一是提前部署，精准谋划服务。该行将春耕备耕金融服务纳入季 度重点工作，提前制定专项方案，配备专项信贷资金，明确目标、细化措施，确保金融服务精准到位。 二是提前摸排，保障信贷供给。积极对接县农业农村局、乡镇政府与"村两委"，提前摸排辖内涉农主体 生产计划和信贷需求，确保资金及时到位，不误农时。三是优化流程，开辟绿色通道。该行加大信贷资 源倾斜力度，优先保障春耕备耕贷款投放，同时建立春耕备耕金融服务"绿色通道"，下放授信权限，限 时授信，保障农户、农企资金及时到位。 快行动、快投放，金融活水"润春田"。一是深入一线，送贷上门。该行利用"千企万户大走访"活动契 机，组织信贷人员深入田间地头，实地走访农业龙头企业、种植大户、新型农业经营主体以及农资销售 门市等，满足各类生产 ...