夏日的徐州铜山区汉王镇，温室大棚整齐排列，葡萄晶莹、火龙果饱满，绘出一幅生机勃勃的乡村振兴 图景。在这背后，是徐州农商银行以普惠金融持续"贷"动田间丰收的坚实努力。 数据见证实效：截至目前，该支行已累计发放贷款3.19亿元，2025年新增普惠贷款185户、金额3858万 元，支持了军秀、金珩等一批家庭农场发展壮大，带动数百农户增收，培育出葡萄、火龙果等特色产 业。 未来，徐州农商银行将继续坚守"支农支小"初心，优化产品、深化服务，让普惠金融活水持续润泽彭城 大地，与乡村共赴振兴之路。 申玉龙 作为服务"三农"的金融主力军，该行始终聚焦普惠金融，以精准信贷和高效服务为当地农业注入动力。 从虎腰村的葡萄到东沿村的火龙果，从农场主胡庆军的自根苗栽培到曹思莉的多元化尝试，徐州农商银 行的服务如毛细血管般深入乡村，滋养沃土。 针对新型农业经营主体和农户的不同需求，该行推出多款特色产品，如"苏信贷"，采用纯信用或保证担 保方式，额度高、审批快，最长用信期限达36个月，灵活还款，切实契合农业资金周转特点。徐州农商 银行汉王支行的客户经理秉承"铁脚板"精神，持续走访村镇、协会和农户，深入调研建立档案，实施分 层精准服务。 ...

Core Viewpoint - The company, Zijin Bank, is focusing on enhancing its credit strategies and governance to support various sectors, particularly in response to national policies aimed at boosting consumption and supporting the real economy [1][2][3]. Group 1: Loan Strategies - In the first half of the year, the company's loan focus was on inclusive finance, technology loans, and green loans [3]. - The credit strategy for the second half will revolve around the "Five Major Articles" of finance, emphasizing support for technology finance, green finance, inclusive finance, elderly finance, and digital finance [1][3]. - Retail consumer loans will continue to be a key area for personal loan issuance, aligning with national policies to stimulate consumption [1][3]. Group 2: Operational Focus - The company aims to strengthen corporate governance and enhance management quality, integrating party leadership with corporate governance [2]. - There will be an emphasis on optimizing management mechanisms and improving risk control, enhancing internal control management, and promoting refined financial management [2]. - The company is committed to serving the real economy by focusing on financial support for key sectors and fostering the development potential of emerging fields [2].

Core Viewpoint - The article highlights the role of Xuzhou Rural Commercial Bank in empowering local agriculture through inclusive financial services, which significantly contribute to rural revitalization efforts in Xuzhou, Jiangsu Province [1][6]. Group 1: Financial Empowerment - Xuzhou Rural Commercial Bank focuses on inclusive finance as a key strategy to support agricultural development, providing precise credit support and efficient financial services to local farmers [1][6]. - The bank has introduced various financial products tailored to the needs of agricultural operators, such as "Su Credit" and "Su Agricultural Loan," which offer high credit limits, quick approvals, and flexible repayment options [6][7]. Group 2: Case Studies - The article features Hu Qingjun, a grape farmer who received a loan of 500,000 yuan from the bank, which helped him expand his farm and achieve a yield of 30,000 kg of grapes annually, generating significant income [3][4]. - Another case is Wang Qian, who expanded his dragon fruit farm from 40 acres to 80 acres with the help of a 700,000 yuan loan, allowing him to modernize operations and attract more customers [4][5]. Group 3: Impact on Local Economy - The bank's financial support has not only benefited individual farmers but also created job opportunities for local residents, with farms employing dozens of workers during peak seasons [3][6]. - As of now, the bank has issued loans totaling 319 million yuan to various agricultural entities, supporting the development of local specialties like grapes and dragon fruit, thereby strengthening the foundation for rural revitalization [7][8]. Group 4: Future Outlook - Xuzhou Rural Commercial Bank plans to continue enhancing its financial services and product offerings to further support rural revitalization, aiming to make a more vibrant impact on the local agricultural economy [7][8].

Core Viewpoint - The article highlights the role of Xuzhou Rural Commercial Bank in empowering local agriculture through inclusive financial services, which significantly contribute to rural revitalization and the growth of agricultural industries such as grape and dragon fruit farming [1][8]. Group 1: Financial Empowerment - Xuzhou Rural Commercial Bank focuses on inclusive finance as a key strategy to support agricultural development, providing targeted credit support and efficient financial services to local farmers [1][8]. - The bank has introduced various financial products tailored to the needs of agricultural operators, such as "Su Credit" and "Su Agricultural Loan," which offer high credit limits, quick approvals, and flexible repayment options [8][9]. Group 2: Case Studies of Agricultural Success - The article features Hu Qingjun, a grape farmer who expanded his farm with the help of a 500,000 yuan loan from the bank, which has increased to 1 million yuan over the years, allowing him to achieve significant yields and create job opportunities for local residents [4][6]. - Wang Qian, who runs a dragon fruit farm, received a 700,000 yuan loan through the bank's "Su Agricultural Loan" product, enabling him to upgrade facilities and improve production efficiency, thus enhancing the farm's profitability [6][7]. Group 3: Impact on Local Economy - The bank's financial support has led to the establishment of successful agricultural enterprises, such as the military show family farm and the golden heng family farm, which have collectively generated substantial income and employment for local farmers [9]. - As of now, the bank has issued loans totaling 319 million yuan to various agricultural entities, with a focus on supporting local specialties like grapes and dragon fruit, thereby strengthening the foundation for rural revitalization [9].

Core Insights - Nantong Rural Commercial Bank is actively implementing rural revitalization strategies and inclusive finance policies, focusing on "increasing customers, expanding coverage, improving quality, and enhancing efficiency" to drive high-quality credit business development [1] Group 1: Credit Business Development - The bank's total loans reached 65.921 billion yuan, with a net increase of 3.626 billion yuan since the beginning of the year [1] - The number of key credit customers increased to 36,175, with a net addition of 1,533 customers [1] Group 2: Marketing and Customer Acquisition - The bank organized a "customer increase and coverage expansion" marketing campaign, utilizing the "white list" feature of the inclusive finance platform and promoting key products like "Su Credit" and "Fumin Entrepreneurship Loan" [1] - A differentiated marketing strategy was developed for key customer groups, supported by a special assessment mechanism with weekly reports and monthly rewards [1] Group 3: Service Matrix and Product Innovation - The bank established a professional team for mortgage loans, collaborating with quality real estate projects and agencies, including a strategic agreement with "Beike" [2] - The bank launched a three-dimensional promotion mechanism for policy-based products, resulting in 289 entrepreneurship loans totaling 52.85 million yuan [2] - The "Tongke Loan" targeted technology enterprises, issuing loans to 83 customers totaling 337.88 million yuan [2] Group 4: Digital Operations and Marketing Efficiency - The bank formed a "data agile team" to enhance digital marketing efficiency, reaching 1,149 customers in levels 1-3 and issuing loans to 95 customers totaling 49.72 million yuan [3] - The bank plans to continue optimizing the "whole village credit + grid marketing" service model, focusing on product innovation and technology empowerment [3]

Core Viewpoint - Nantong Rural Commercial Bank is committed to serving the local economy and has implemented various strategies to enhance inclusive financial services, resulting in steady growth in agricultural and small business loans [1] Group 1: Mechanism and Governance - The bank has established an efficient and professional system for supporting agriculture and small enterprises, integrating top-level design with grassroots execution [2] - A quantitative assessment scheme for small loans has been developed, ensuring accountability and performance tracking among staff [2] - Training programs for frontline marketing personnel have been enhanced to improve service delivery and policy implementation [2] Group 2: Resource Coordination - The bank has created diverse financing channels to address the financing challenges faced by small enterprises, including partnerships with local governments and the introduction of nearly 20 local financial products [3] - Marketing strategies have been customized through grid marketing, with significant outreach efforts resulting in visits to 19,738 clients and phone calls to 4,777 clients by the end of May [3] Group 3: Product Innovation - The bank focuses on market demands by developing flexible financial products, such as "Hengxindai" for consumer and operational needs, and optimizing "Suxindai" for farmers and small business owners [4] - A digital platform has been launched to enhance efficiency, achieving a personal loan renewal completion rate of 99.99%, ranking first in the province [4] Group 4: Risk Management - The bank emphasizes risk management and data governance to ensure sustainable development of inclusive credit, streamlining processes and clarifying departmental responsibilities [5] - A comprehensive accountability system has been established to address due diligence and liability issues in inclusive credit operations [5] - The bank aims to continue enhancing its support for agriculture and small enterprises, reinforcing its commitment to financial services for the community [5]