聚焦实体，倾力护航小微成长 小微企业是县域经济的毛细血管，关乎就业与民生。巨野农商银行坚定不移地与小微企业同呼吸、共命 运。持续开展"金融辅导进企业""首贷培植"等专项行动，主动对接工业园区、专业市场，深入了解小微 企业和个体工商户在创业、经营、扩张中的难点、痛点。通过简化流程、优化审批、灵活设置还款方 式，特别是加大信用贷款、中长期流贷的投放力度，有效破解"融资难、融资贵"问题。该行不仅是资金 的提供者，更是企业成长的伙伴，致力于陪伴更多"小苗"成长为"大树"，为巨野实体经济的繁荣注入不 竭动能。 普惠共享，延伸服务千家万户 金融为民，核心在于普惠。巨野农商银行着力构建覆盖城乡、便捷高效的普惠金融服务体系。一方面， 持续优化物理网点布局，升级改造乡镇网点，确保基础金融服务"乡乡通""村村通"。另一方面，大力推 进数字化转型，丰富手机银行、网上银行功能，推广"无感授信""线上快贷"等模式，让数据多跑路、群 众少跑腿。该行关注"一老一小"等重点群体，开展金融知识普及宣传，守护百姓"钱袋子"；代理发放各 类惠民补贴，打通金融服务"最后一公里"；积极推广社保卡、聚合支付等便民应用，将金融服务无缝嵌 入社区生活日常， ...

齐鲁晚报.齐鲁壹点李可通讯员赵永强 为全力保障农业生产，东明农商银行充分发挥地方金融主力军作用，组织授信审查审批中心深入田间地 头和农户经营场所，主动对接农户资金需求。通过优化审批流程、提升服务效率，为"三农"发展注入了 金融动力。 近日，该行授信审查审批中心工作人员走访了武胜桥镇一位从事粮食种植多年的农户，并实地考察其经 营规模和资金周转情况。在详细了解该农户的生产经营状况、年度收支测算以及资金缺口后，审查人员 结合行业特点和农户信用情况，迅速开展授信评估与分析。通过简化手续、加快审批速度，及时为农户 提供信贷支持，解决了其扩大经营规模时面临的资金难题。 该行授信审查审批中心坚守"支农支小"的市场定位，持续优化金融服务模式。针对农户资金需求急、周 转快的特点，开通了"绿色通道"，推行"实地调查+快速审批"机制，确保信贷资金及时到位。此外，该 行还积极推广"无感授信""线上申贷"等便捷服务，让农户办理业务更加便捷。 下一步，该行授信审查审批中心将继续深耕本地市场，加大对农业经营主体的信贷支持力度，推出更灵 活的金融产品，提供更优质的金融服务，助力乡村振兴，为地方经济发展贡献力量。 ...

Group 1 - The core viewpoint of the articles highlights Chengwu Rural Commercial Bank's commitment to supporting local economic development through innovative services, optimized products, and technology empowerment [1][2] Group 2 - In financial services, Chengwu Rural Commercial Bank focuses on grassroots engagement by organizing visits to rural areas, conducting financial literacy sessions, and promoting tailored financial products [1] - The bank has established a system for real-time customer information recording and marketing logs to create precise customer profiles for customized financial services [1] - The bank has optimized its credit product system by offering various collateral options such as deposit, inventory, fee rights, and intellectual property pledges to meet diverse customer needs [1] Group 3 - In terms of technology empowerment, the bank utilizes technology to enhance inclusive finance by expanding online loan services and employing big data for customer credit analysis [2] - Customers can complete loan applications and approvals from home, benefiting from convenient "on-demand" loan services [2] - Chengwu Rural Commercial Bank remains dedicated to serving agriculture, rural areas, and the real economy, focusing on the needs of farmers, merchants, and enterprises to contribute to high-quality local economic development [2]