江南时报讯 近日，江苏省总工会、江苏省人力资源和社会保障厅印发《关于表彰2025年江苏省五一劳 动奖、江苏省工人先锋号和江苏省五一巾帼标兵的决定》，兴业银行南京分行普惠金融部（乡村振兴 部）被授予江苏省工人先锋号荣誉称号。 作为金融"五篇大文章"的重要组成部分，普惠金融是服务小微企业等经营主体、改善民生福祉的关键抓 手。兴业银行南京分行早在2022年就前瞻性布局普惠金融新赛道，将其作为贯彻新发展理念、推动高质 量发展的重要战略方向。分行普惠金融部（乡村振兴部）将普惠金融、科技金融、乡村振兴三大领域作 为践行"国之大者"的核心战略支点，以高度的政治责任感和饱满的"先锋精神"，聚焦服务实体经济，在 支持小微企业发展、助力乡村振兴、推动科技创新等方面取得了显著成效，赢得了社会各界的广泛好 评。 精准滴灌润实体金融活水助腾飞 ——科技深耕合作，服务大局先锋。江苏省作为制造业强省、农业大省和"专精特新"企业聚集地，对普 惠金融服务有着多元化、深层次的需求。该部门深刻把握江苏省情特色，坚持目标导向，紧密围绕"普 惠金融"新赛道布局，推动普惠小微贷款规模与质量双提升。截至2025年末，兴业银行南京分行普惠小 微贷款客户数超 ...

Core Viewpoint - Jiangsu Province has achieved significant financial milestones during the "14th Five-Year Plan" period, focusing on supporting the real economy while ensuring financial safety and stability [1][2]. Financial Performance - Jiangsu has maintained the highest new loan volume in the country for four consecutive years, with a total RMB loan balance reaching 28.25 trillion by the end of 2025, reflecting an average annual growth of 12.8% from 2021 to 2025 [3][8]. - The province's social financing scale has consistently ranked among the top in the nation, with an average annual increase of RMB 3.35 trillion from 2021 to 2024 [3]. Support for Real Economy - Jiangsu has introduced 20 policies to enhance financial support for high-quality development of the real economy, including various financial products like "Small Micro Loans" and "Sutong Loans" [2]. - The province has established a comprehensive government financing guarantee system, with the balance of financing guarantees exceeding RMB 1.16 trillion [2]. Capital Market Development - During the "14th Five-Year Plan," Jiangsu has seen the addition of 259 new domestic listed companies, leading the nation, with total direct financing reaching RMB 6.97 trillion, a 61.95% increase from the previous five-year period [6][7]. - The number of companies with a market value exceeding RMB 100 billion has expanded to 11, with three technology companies achieving this milestone [7]. Private Sector Support - Jiangsu has prioritized the development of the private economy, with 226 new private companies listed domestically, accounting for over 87% of new listings [8]. - The average interest rate for new loans to private enterprises is at a historical low of 3.25%, with a total loan balance for private enterprises around RMB 8 trillion [8]. Financial Innovation and Reform - The province has established a modern financial system, including the formation of Jiangsu Rural Commercial Bank and the first public fund management company in the region [5]. - Jiangsu has implemented various financial reforms and innovations, including over 200 new financial products tailored for technology and innovation [5].

Group 1 - The core concept of inclusive finance is linked to the public's aspiration for a better life and the overall economic development, serving as a vital connection for promoting common prosperity [1] - The 2023 Central Financial Work Conference has established "inclusive finance" as one of the five major themes in finance, with the State Council's implementation opinions outlining the goal of building a high-level inclusive financial system [1] - Jiangsu has made significant strides in high-quality development of inclusive finance, focusing on "maintaining volume, improving quality, stabilizing prices, and optimizing structure" [1] Group 2 - Jiangsu has established a team of over 10,000 "financial advisors" to deliver financial knowledge directly to rural areas, helping farmers identify financial fraud and choose suitable loan products [1] - The province has implemented a "whole village credit" model, creating credit files for approximately 9.5 million rural households, achieving full coverage of credit rating for rural operating entities [1] - The loan approval process has been streamlined from a lengthy procedure to a quick "instant arrival" experience, with major agricultural financial institutions visiting 58,000 clients and providing loans totaling 14.7 billion yuan [1] Group 3 - In serving small and micro enterprises, Jiangsu has innovated a combination model of "bank + government" and "service specialists + financial advisors" [2] - The "thousand enterprises and ten thousand households" outreach initiative has engaged with 4.52 million business entities, resulting in a cumulative new credit of 3.5 trillion yuan and loan disbursements of 2.3 trillion yuan [2] - As of the end of Q3 this year, the balance of inclusive loans for small and micro enterprises in Jiangsu reached 4.11 trillion yuan, a year-on-year increase of 13.41%, while the balance for private enterprises exceeded 8 trillion yuan, growing by 8.5% [2]

Core Insights - The article highlights the proactive role of Shuyang Rural Commercial Bank in supporting agricultural production during the harvest season by providing tailored financial products and services [1][2] - The bank has introduced innovative financing solutions to address long-standing issues of "financing difficulties and guarantee challenges" in the agricultural machinery sector [1] - Shuyang Rural Commercial Bank has issued a total of 1.811 billion yuan in loans to local grain planting, processing, and storage entities this year, reinforcing its commitment to stabilizing the grain supply and enhancing financial support for farmers [2] Group 1 - Shuyang Rural Commercial Bank is actively injecting financial resources into agricultural production during the critical harvest and planting period [1] - The bank has launched the "Agricultural Machinery Loan" product, which allows for flexible and convenient financing to support agricultural machinery needs [1] - The bank's staff is providing financial education and product promotion to local villagers, ensuring that financial services are accessible in rural areas [1] Group 2 - The bank's services cover the entire grain industry chain, from planting to processing, effectively addressing the financial needs of both farmers and merchants [2] - The cumulative grain loan balance issued by the bank has reached 1.811 billion yuan, demonstrating its impact on local agricultural stability [2] - The bank's commitment to the "three rural issues" reflects its dedication to enhancing the livelihoods of farmers and supporting the agricultural sector [2]

Core Viewpoint - The People's Bank of China Jiangsu Branch and Jiangsu Federation of Industry and Commerce announced that Zijin Rural Commercial Bank was awarded the title of "Most Satisfied Bank for Private Enterprises" in Nanjing, highlighting its exceptional performance in financial services for private enterprises [1] Group 1: Service Mechanisms - The bank has integrated private enterprise loan issuance into its overall performance assessment system, increasing the weight of private loans in evaluations to ensure precise implementation at the branch and customer manager levels [2] - A "small and scattered" empowerment mechanism has been introduced, managing non-large loans through a list system to stimulate service vitality [2] - The bank has simplified the approval process for loans under 10 million yuan and expanded the whitelist, exploring online renewal of credit [2] Group 2: Product Innovation - The bank has upgraded traditional and specialized products, focusing on technology-oriented private enterprises and extending the credit period for mortgage loans [3] - New products like "Sutong Carbon Loan" and "Specialized and Innovative Insurance" have been introduced, exploring pledges based on intellectual property and carbon emission quotas [3] - The bank has launched credit products like "Zixin Loan" and "Suxin Loan" to support private enterprises, enhancing financing efficiency across the supply chain [3] Group 3: Technological Empowerment - The bank has developed a mobile version of "Tongshang e-loan," facilitating loan applications through various digital platforms, achieving 1.22 billion yuan in loans to 465 clients by the end of Q1 [4] - The "Inclusive Exhibition Platform" has granted credit to over 7,800 clients, totaling more than 4.8 billion yuan [4] - A systematic approach to client visits has been established, with 11,000 clients visited in Q1 to enhance service delivery to private enterprises [4]

Core Insights - The article highlights the role of Qidong Rural Commercial Bank in providing financial support to local farmers during the critical autumn harvest season, ensuring timely crop collection despite adverse weather conditions [1][2] Financial Support Initiatives - Qidong Rural Commercial Bank launched a "Three Agriculture Service Green Channel" to address the financing challenges faced by farmers, particularly those with limited collateral [1] - The bank provided a credit line of 3 million yuan to Zhu Jinrong's family farm, with an initial disbursement of 500,000 yuan to support the autumn harvest [1] - The total amount of autumn loans for family farms issued by the bank this year has reached 31.92 million yuan [1] Impact on Agricultural Operations - The financial assistance enabled Zhu Jinrong's family farm to proceed with its autumn harvest in an orderly manner, effectively mitigating weather-related risks [1] - The bank's financial services extend beyond family farms to include agricultural enterprises and individual farmers, creating a comprehensive support system for the agricultural sector [1]

Group 1: Agricultural Development and Financial Support - A veteran entrepreneur, Miao Jiaxin, has transformed from a soldier to a leader in "antibiotic-free egg" farming, producing 400,000 fresh eggs daily and generating over 80 million yuan in annual sales [1] - The Xuzhou Rural Commercial Bank has provided 14.5 million yuan in credit support to Miao, enabling over 30 local households to join the antibiotic-free farming initiative, each increasing their annual income by over 100,000 yuan [1] - As of August 2025, the agricultural loan balance in Xuzhou reached 461.36 billion yuan, with an increase of 58.15 billion yuan from the beginning of the year, reflecting a year-on-year growth of 11.97% [1] Group 2: Food Security and Infrastructure Financing - The Xuzhou branch of the People's Bank of China emphasizes food security, guiding financial institutions to prepare special credit funds for grain purchases and offering interest rate discounts to grain operators [2] - In the first eight months of 2025, the city issued 8.29 billion yuan in re-loans and discounts, with 3.535 billion yuan allocated for agricultural support [2] - The Agricultural Bank of Xuzhou has increased credit investments in rural infrastructure, providing over 2 billion yuan in loans for rural projects, significantly improving living conditions in rural areas [2] Group 3: Ecological Restoration and Financial Innovation - Xuzhou has supported ecological restoration projects in 19 abandoned mining sites and promoted green low-carbon development in rural areas [3] - The Xuzhou branch of the People's Bank of China has innovated "government + finance" services, enabling local banks to handle over 240 government services and improve access to financial services in rural areas [3] Group 4: Financing Mechanisms and Entrepreneurship - The Xuzhou branch of the People's Bank of China has established a mechanism linking monetary policy tools with entrepreneurship loans, issuing 144.917 million yuan in such loans from January to August 2025 [4] - The bank has collaborated with various departments to provide targeted loans for major agricultural projects, totaling 20.5 million yuan in the same period [4] - The Xuzhou Rural Commercial Bank has issued 35.75 billion yuan in agricultural loans, benefiting nearly 100,000 small and micro enterprises and farmers [4] Group 5: Support for Agricultural Enterprises - Jiangsu Kangsheng Agricultural Development Co., which produces 60 tons of mushrooms daily, has received 30-40 million yuan in loans from Xuzhou Rural Commercial Bank, highlighting the bank's role in supporting local agricultural enterprises [5] - The bank has provided 290 million yuan in comprehensive credit support to Weiwei Food and Beverage Co., a national-level agricultural industrialization leader, facilitating its growth into a large enterprise group [7]

Group 1 - A 90s veteran, Miao Jiaxin, has transformed from a soldier to a leader in "antibiotic-free egg" farming, producing 400,000 fresh eggs daily [1] - Miao's cooperative has received 14.5 million yuan in credit support from Xuzhou Rural Commercial Bank, enabling over 30 local households to increase their annual income by over 100,000 yuan each [1] - Miao established Xuzhou Miao Jiaxin Agricultural Technology Co., achieving an annual sales revenue exceeding 80 million yuan [1] Group 2 - The Xuzhou branch of the People's Bank of China emphasizes food security, providing 1 billion yuan in relending quotas to support grain purchase loans [2] - In the first eight months of 2025, Xuzhou issued 8.29 billion yuan in relending and discounting, with 3.535 billion yuan allocated for agricultural support [2] - The Agricultural Bank of Xuzhou has increased credit investments in rural infrastructure, with over 2 billion yuan in loans for rural projects in the first eight months of the year [2] Group 3 - Xuzhou has supported ecological restoration projects, including 19 abandoned mining sites and green industry parks, promoting a transition to low-carbon rural development [3] - The Xuzhou branch of the People's Bank of China has innovated "government + finance" services, enabling local banks to handle over 240 government services [3] Group 4 - The Xuzhou branch of the People's Bank of China has established a mechanism linking monetary policy tools with entrepreneurship loans, issuing 144.917 million yuan in such loans in 2025 [4] - The bank has collaborated with various departments to provide targeted financing for major agricultural projects, issuing 20.5 million yuan in loans for significant rural initiatives [4] - Xuzhou Rural Commercial Bank has issued 35.75 billion yuan in agricultural loans, benefiting nearly 100,000 small enterprises and farmers [4] Group 5 - Jiangsu Kangsheng Agricultural Development Co., which produces 60 tons of mushrooms daily, has received 30-40 million yuan in loans from Xuzhou Rural Commercial Bank, including a recent 5 million yuan interest-free renewal loan [5] Group 6 - The Xuzhou branch of the People's Bank of China has focused on local specialty industries, establishing a credit information database for the garlic industry to enhance financial support [6] - Several banks have developed tailored financial products for the garlic industry, with total loans exceeding 1.463 billion yuan this year [6] Group 7 - VIVI Food and Beverage Co., a national agricultural industrialization leader, has received 290 million yuan in comprehensive credit support from the Agricultural Bank of Xuzhou, facilitating its growth into a large enterprise group [7] - The Agricultural Bank of Xuzhou has strengthened credit support for national and provincial agricultural industrialization leaders, with over 400 million yuan in working capital loans issued [7]

Core Insights - The company is actively enhancing its loan services to support rural revitalization and high-quality development of the real economy, achieving a loan balance of 39.763 billion yuan by the end of August, with an increase of 1.487 billion yuan, representing a growth rate of 3.89% since the beginning of the year [1] Group 1 - The bank has implemented a "grid + list" management approach, allowing customer managers to systematically profile clients and tailor differentiated financial service plans based on industry, scale, and credit status [1] - The bank has established a "green channel" for key area loans, simplifying processes and ensuring timely completion of applications [1] - The introduction of specialized products such as "Micro Loans" and "Su Nong Loans" has improved product matching and ensured the safety of loan funds while allowing clients to benefit from policy incentives [1] Group 2 - The bank has integrated a "grid + big data" service model, regularly conducting visits and providing door-to-door loan services [2] - Customer managers are actively engaging with community committees and entrepreneurial groups to explain policies and form "mobile financial service teams" to disseminate financial knowledge [2] - These initiatives have effectively bridged the "last mile" of financial services, significantly enhancing the convenience and accessibility of loan services [2]

Core Insights - The merger of three rural commercial banks in Xuzhou has led to the establishment of Xuzhou Rural Commercial Bank, which aims to serve local communities and enhance financial accessibility [1] - As of August 2025, the bank's total assets are projected to exceed 108.088 billion, with cumulative agricultural loans amounting to 35.75 billion, benefiting nearly 100,000 small and micro enterprises and farmers [1] Innovation in Services - The bank has implemented the "Sunshine Credit Whole Village Credit" initiative, which simplifies the loan process for farmers, allowing them to receive funds quickly through mobile banking [2] - By August 2023, the bank has provided pre-credits totaling 27 billion to 227,300 farmers and individual businesses, with 34,500 farmers utilizing online self-service credit amounting to 4.166 billion [2] Addressing Agricultural Financing Challenges - The bank has introduced various financial products to tackle the challenges of high financing costs and lack of collateral in the agricultural sector, including "Micro Loan," "Su Ke Loan," and "Su Nong Loan" [3] - By August 2025, the bank's provincial credit products have served 490 clients with a total balance of 0.818 billion [3] Customized Financial Products - The bank has developed tailored financial products such as "Xingcun Qiangti Loan" for village economic cooperatives, offering credit up to 10 million [4] - Collaborations with provincial agricultural guarantees have led to the "Industry Prosperity Loan" and "Increase Loan," with a total of 0.21 billion and 0.299 billion disbursed to 525 and 175 clients respectively [5] Comprehensive Financial Services - The bank has established 139 physical service outlets across the city, ensuring full coverage in rural areas, and has set up 166 convenience service points to facilitate easy access to financial services [6] - Strategic partnerships with local government agencies have resulted in the establishment of 77 comprehensive service points for social security, medical insurance, and administrative services, processing over 120,000 administrative transactions [7]