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]