Core Insights - The article highlights the significant role of Keqiao United Village Bank in supporting local economic development through its "supporting agriculture and small enterprises" positioning and effective measures [1] Group 1: Business Growth and Strategy - Keqiao United Village Bank achieved a doubling of its deposit and loan scale ahead of schedule, attributed to its strategic focus on "based construction" since 2022 [2] - As of June 30, 2025, the bank has established 98 deposit bases and 133 loan bases, serving over 4,800 clients with deposits of 531 million and loans of 560 million [2] Group 2: Case Studies of Successful Implementation - The Lizhu branch serves as a model for "based construction," having provided over 50 million in loans and more than 2,000 financial services, significantly benefiting local flower industry entrepreneurs [3] - A customer manager's efforts in a logistics park led to over 1,000 million in loans across 20 transactions, expanding the bank's influence in the logistics sector [4] Group 3: Commitment to Client Support - The bank demonstrated its commitment to client support by quickly addressing a client's overdue interest situation, providing a loan interest reduction to alleviate financial pressure [5] - The bank's "United Quick Loan" product enabled a small fabric store owner to double his business size and hire additional employees, showcasing the bank's impact on local entrepreneurship [6] Group 4: Technological Integration - Keqiao United Village Bank is leveraging technology to enhance service efficiency, offering an app for various banking services, thus saving clients time and effort [7] - The introduction of mobile business equipment allows client managers to provide services directly in rural areas, improving accessibility for farmers [7] Group 5: Future Plans - The bank plans to continue deepening its business strategy while fulfilling its social responsibilities, aiming to provide robust financial support for high-quality economic development and improved livelihoods in Keqiao [8]

在金融产品与服务模式方面，银行需突破传统信贷思维，不断创新。针对个体工商户资金需求"短、 频、急"特点，银行可推出纯信用、无抵押的小额信贷产品，简化贷款审批流程，加快放款速度；同 时，借助大数据、人工智能等金融科技手段，整合个体工商户多维度数据，构建精准信用评估模型，助 力更多个体工商户获得金融支持。 个体工商户规模虽小，但分布广泛，是市场经济的"毛细血管"，在稳就业、保民生方面发挥着至关重要 的作用，支撑着无数家庭的生计。 长期以来，融资难、融资贵一直困扰个体工商户发展。笔者认为，银行作为金融服务的主力军，应以多 元化金融举措激发个体工商户活力。 （文章来源：证券日报） 在降低个体工商户经营成本方面，银行可在支付结算上减免手续费，为线上经营者定制支付解决方案， 提高资金结算效率，并提供财务管理、税务筹划等增值服务。在数字化转型趋势下，银行可发挥金融科 技优势，为个体工商户搭建线上金融服务平台，提供一站式服务；与科技企业合作，为个体工商户提供 数字化工具，拓宽其线上业务渠道，增强市场竞争力。 此外，银行可通过加强与政府部门、行业协会合作，形成支持个体工商户发展的合力。例如，参与政府 扶持计划，提供贴息贷款、创 ...