通过构建"银行+政府+担保"多方风险分担模式，该行不仅降低了担保费率，还落实了财政贴息政策， 切实减轻了农户负担，让涉农贷款"贷得省心、还得放心"。 徐州农商银行以特色金融产品为支点，有效破解涉农融资难题，持续为农业强、农村美、农民富的乡村 振兴图景贡献金融力量。 申玉龙 在产品层面，该行主推"小微贷""苏农贷""苏质贷"等省级产品，依托政府增信与风险分担，有效降低融 资门槛。截至2025年8月末，相关产品累计服务490户，余额达8.18亿元，助力一批农户实现从"小打小 闹"到"规模经营"的跨越。 针对不同群体需求，该行还推出多款定制化产品。如"三乡助力贷"为返乡青年提供贴息贷款，铜山区小 李因此获得20万元启动资金成功开办家庭农场；"兴村强体贷"则为村级经济合作社提供最高1000万元授 信，已支持198个村集体经济主体。2024年与担保机构合作的"产业兴农贷""增额贷"也分别投放2.1亿元 和2.99亿元。 徐州农商银行聚焦"融资贵、担保难、信息差"等涉农主体长期面临的痛点，五年来从产品创新、机制建 设和政银合作三方面发力，推出一系列接地气、见实效的特色金融产品，为乡村振兴注入持续动力。 ...

Group 1: Core Financial Initiatives - Jiangsu Bank actively injects financial energy into agricultural production, supporting the autumn harvest with tailored financial products and efficient services [1] - The "Agricultural Machinery e-Loan" product addresses long-standing financing difficulties in the agricultural machinery sector, offering automated credit loans of up to 10 million yuan for manufacturers and 3 million yuan for dealers [1][3] - The "Su Nong Loan" has been upgraded to support online applications and flexible financing based on daily purchasing progress, effectively assisting grain enterprises in seizing quality grain sources [4] Group 2: Support for Agricultural Enterprises - Wuxi Yuitian Agricultural Machinery Technology Co., Ltd. received a 3 million yuan credit loan through "Agricultural Machinery e-Loan" to enhance liquidity and expedite machinery production for the autumn harvest [3] - Jiangsu Bank's financial support has enabled agricultural enterprises to purchase new harvesting and drying equipment, ensuring timely installation and operation for the autumn harvest [3] - The "Common Prosperity Loan" has been instrumental in alleviating funding pressures for rural enterprises, facilitating the growth of local agricultural industries and enhancing farmers' incomes [5][7] Group 3: Impact on Rural Development - The "Common Prosperity Loan" has effectively stimulated rural economic vitality, addressing financing pain points for collective economic organizations and new agricultural operators [5] - Jiangsu Bank's support for the "Huaian Qianshi" geographical indication product has helped local enterprises establish a comprehensive service model, significantly increasing employment and income for local farmers [8] - The bank's commitment to rural revitalization is reflected in its ongoing efforts to meet the financial needs of local agricultural talents and collective organizations through various loan products [10]

Core Viewpoint - The article highlights the success of Jin Heng Family Farm in Xuzhou's Hanwang Town, showcasing the growth of the farm and the role of financial support from Xuzhou Rural Commercial Bank in facilitating agricultural development and rural revitalization [1] Group 1: Company Growth - Jin Heng Family Farm, initiated in 2018, expanded from 40 acres to 80 acres, significantly increasing its production capacity and supporting local farmers in cultivating dragon fruit [1] - The farm has become a notable example in Hanwang Town, contributing to the local economy and agricultural landscape [1] Group 2: Financial Support - The "Su Nong Loan" product from Xuzhou Rural Commercial Bank offers low interest rates, simple procedures, and quick disbursement, addressing the financial needs of agricultural businesses [1] - The loan process for the farm took only two days from application to disbursement, demonstrating the efficiency of the bank's services [1] - The funds were utilized for upgrading technology, including automated irrigation systems and greenhouse expansion, which are essential for modern agricultural practices [1] Group 3: Impact on Rural Revitalization - The financial services provided by Xuzhou Rural Commercial Bank are crucial for supporting new farmers and promoting standardized, large-scale agricultural operations [1] - The initiatives contribute to the ongoing rural revitalization efforts, injecting vitality into the local agricultural sector [1]

Group 1: Event Overview - The 2025 China International Service Trade Fair was held in Xiong'an New Area, focusing on "Digital Chain Global Trade Future," marking the first time the forum took place outside Beijing [1] - The event attracted over 700 key guests from the digital trade sector, including experts, executives from state-owned enterprises, multinational companies, and representatives from international organizations and Belt and Road countries [1] Group 2: Collaboration and AI Infrastructure - High-level meetings were conducted to discuss cooperation between Shenzhou Holdings and Xiong'an New Area, with emphasis on AI infrastructure and digital trade development [2] - Shenzhou Holdings has established comprehensive AI service capabilities, including AI infrastructure, data labeling services, and applications in various sectors such as finance, transportation, and healthcare [2][3] Group 3: Projects and Digital Trade Growth - Shenzhou Holdings is advancing multiple projects with Xiong'an, including the expansion of the Xiong'an City Computing Center and the creation of a trusted data space [3] - The company is leveraging its technological advantages to promote a trusted trade system and cross-border e-commerce, aiming for significant growth in Xiong'an's digital trade volume [3] Group 4: Trusted Data Space and Global Trade Mechanisms - The company shared its practices in establishing trusted data spaces during a roundtable forum, highlighting successful collaborations in various sectors [4] - Recommendations were made to create a new paradigm for international logistics and trade, utilizing trusted data spaces to enhance credibility and traceability in global trade [5] Group 5: Future Directions and Strategic Goals - Shenzhou Holdings aims to deepen cooperation with Xiong'an in AI applications, intelligent logistics transformation, and digital trade hub construction [6] - The company seeks to enhance China's influence in the global digital trade system through shared information and resource complementarity [6]

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 "Rural Partners" cultivation initiative in Jiangsu aims to empower young professionals in rural areas to support agricultural modernization and rural revitalization through financial and managerial skills [2][4]. Group 1: Initiative Overview - The "Rural Partners" initiative is launched by the Youth League of Jiangsu Province, focusing on agriculture, product processing, and rural tourism [2]. - Jiangsu Bank has been recognized as an "Ecological Partner" for its contributions to financial support for agricultural modernization and new agricultural entities [2]. Group 2: Financial Support and Innovation - Jiangsu Bank emphasizes innovative financial products and service models to address financing challenges in agriculture, thereby fostering rural youth entrepreneurship [4]. - The bank has developed a comprehensive service plan tailored to local agricultural needs, including specialized loan products like "Su Nong Loan" and "Talent Loan" [5]. Group 3: Case Studies of Support - A representative of a family farm received a 500,000 yuan credit loan through Jiangsu Bank's "Farmer e-Loan" product, facilitating the establishment of a modern orchard [6]. - Another case involved a large-scale grain grower who secured a 2 million yuan loan to support land contracting and agricultural procurement, generating significant local employment [7]. Group 4: Long-term Service Mechanisms - Jiangsu Bank is enhancing its service platform to integrate finance, technology, and industry, focusing on key agricultural sectors such as vegetables and seafood [8]. - The bank has implemented a "Rural Revitalization Financial Advisor" system to extend its services beyond mere funding, promoting development empowerment [8]. - Jiangsu Bank aims to strengthen cooperation with government and enterprises to support new agricultural entities and contribute to common prosperity in the region [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 Viewpoint - The article highlights the successful collaboration between the local agricultural bank and the villagers in Shijian Village, Jiangsu Province, focusing on the cultivation of yellow peaches and the development of rural tourism, which has significantly improved the villagers' income and economic conditions [1][2][3] Group 1: Agricultural Development - The yellow peach cultivation in Shijian Village spans 830 acres, with the local agricultural bank providing crucial financial support, including a startup loan of 1 million yuan, which enabled the establishment of the peach orchard [1] - Over 60 households have joined the yellow peach planting initiative, with the bank issuing a total of 17.8 million yuan in loans to support the farmers, resulting in an average annual income increase of 28,000 yuan per person [2] - The establishment of a 2,000 square meter temperature-controlled warehouse, funded by a 4 million yuan loan, has improved the storage and preservation of yellow peaches, allowing for a longer sales period [2] Group 2: Sales and Marketing - The online sales of yellow peaches have expanded significantly, with sales expected to exceed 2 million yuan this year, aided by the bank's e-commerce platform and promotional activities [2] - The bank's support has facilitated the development of various sales channels, helping the villagers reach markets across more than 20 provinces and cities in China [2] Group 3: Rural Tourism Development - Shijian Village is leveraging its geographical advantages to develop a rural tourism model, combining agriculture with tourism, which is expected to attract 30,000 visitors annually [3] - The bank has provided loans for upgrading facilities, such as an open kitchen for local dining experiences, which will benefit over 40 surrounding households involved in the hospitality industry [3] - The bank's initiatives have led to the issuance of 485 million yuan in loans to 1,280 new agricultural entities, fostering innovation and productivity among farmers [3]

Core Insights - XuZhou Rural Commercial Bank has successfully integrated social security payments into credit loan offerings, exemplified by a 3-day loan approval process for a local feed company [1] - The bank has issued a total of 36.159 billion yuan in agricultural loans, benefiting nearly 100,000 small and micro enterprises [2] - The average interest rate for agricultural loans has decreased to 4.45% in 2024, down by 0.56 percentage points year-on-year [2] Group 1: Agricultural Loan Initiatives - The bank's agricultural loan issuance has consistently outpaced overall loan growth, with a year-on-year increase of 15% in the number of agricultural loans [2][4] - As of May, the bank has provided batch pre-credits totaling 27 billion yuan to 227,300 farmers and individual businesses, facilitating access to financial services via mobile banking [2][3] - The bank has launched various loan products tailored to agricultural needs, including "Su Nong Loan" and "Hui Nong Quick Loan," with a focus on rapid online applications and AI-driven approvals [3][5] Group 2: Digital Transformation and Service Upgrades - XuZhou Rural Commercial Bank is enhancing its digital services, with a mobile business platform set to launch in Q3 2024, improving business processing times by over 40% [6] - The bank has established 209 financial convenience service points and 32 model service points to extend its reach into rural areas [8] - A one-stop digital financial service platform has been piloted to support farmers, particularly garlic growers, with specialized payment services [7] Group 3: Community Engagement and Support - The bank has actively participated in various agricultural subsidy programs, processing an average of 8.12 million agricultural business transactions annually [9] - It has initiated community support programs, including educational assistance for rural children, with a total donation of 1.04 million yuan since 2018 [9] - The bank has also engaged in promoting local tourism through partnerships with businesses, resulting in significant visitor engagement and sales [9] Group 4: Commitment to Rural Revitalization - XuZhou Rural Commercial Bank emphasizes its mission of supporting rural revitalization through tailored financial products and services [10] - The bank has issued 1.72 billion yuan in small loans to poverty alleviation efforts, fulfilling its commitment to support all impoverished households in its jurisdiction [9][10]

Core Insights - Jiangsu's inclusive financial system is improving, characterized by increased volume, expanded coverage, reduced costs, and enhanced quality [1] - As of June 2025, the balance of inclusive microloans in Jiangsu reached 4.08 trillion yuan, a year-on-year increase of 13.9%, outpacing overall loan growth by 4.1 percentage points [1] - The private economy in Jiangsu plays a significant role, contributing 58.2% to GDP and accounting for 64.1% of GDP growth in 2024 [1] Financial Support for Private Economy - The People's Bank of China Jiangsu Branch, in collaboration with local authorities, issued guidelines to optimize financial services for the private economy, focusing on precise strategies to meet financing needs [2] - As of June 2025, 620 key enterprises in county areas received a total credit line of 497 billion yuan, with a loan balance of 247.9 billion yuan [2] - Jiangsu has initiated a "Most Satisfied Bank for Private Enterprises" evaluation to encourage financial institutions to enhance financing support for the private sector [2] Growth in Inclusive Microloans - Jiangsu's banks have increased their engagement with inclusive financial entities, resulting in a rise in the number of credit accounts for inclusive microloans to 4.5794 million, with 362.26 thousand active users as of June 2025 [3] - The number of credit accounts for individual businesses and micro-entrepreneurs reached 3.6772 million, representing 26.16% of all business entities, an increase of 1.33 percentage points from the end of 2024 [3] Support for Rural Revitalization and Employment - Jiangsu is enhancing financial services for rural revitalization, focusing on major agricultural projects and food security, with agricultural loans reaching 1.01 trillion yuan, a 19% year-on-year increase [4] - The balance of entrepreneurship guarantee loans in Jiangsu stood at 4.312 billion yuan, supporting various groups in starting businesses and maintaining stability in small loans for poverty alleviation [4] - As of June 2025, small loans for poverty alleviation totaled 5.68 billion yuan, benefiting 137 thousand low-income households [4] Future Directions - The People's Bank of China Jiangsu Branch plans to continue focusing on the financial needs of the private economy and inclusive microloans, aiming to improve financing accessibility and reduce costs for enterprises [5]