普惠金融一头系着社会大众对美好生活的向往，一头连着国民经济发展大局，是金融服务实体经济 的"毛细血管"，更是推动共同富裕的重要纽带。2023年中央金融工作会议将"普惠金融"确立为金融"五 篇大文章"之一，《国务院关于推进普惠金融高质量发展的实施意见》更明确提出构建高水平普惠金融 体系的目标。近年来，江苏以"保量、提质、稳价、优结构"为锚点，书写着普惠金融高质量发展生动篇 章。 在服务小微企业的战场上，江苏创新"银行+政府""服务专员+金融顾问"的组合模式。通过"千企万户大 走访"活动，服务团队深入商圈、园区、乡村，全面对接经营主体融资需求。截至目前，全省已通过支 持小微企业融资协调工作机制走访经营主体452万户，累计新增授信3.5万亿元，发放贷款2.3万亿元。配 套开展的"金融服务实体经济专场"活动，更是将企业请进现场，面对面解决融资难题。 数据显示，截至今年三季度末，全省普惠型小微企业贷款余额达4.11万亿元，同比增长13.41%；民营企 业贷款余额突破8万亿元，同比增长8.5%。这些跃动的数字背后，是千万小微企业主的创业梦想，是无 数农户的致富希望，更是普惠金融润泽万家的温暖承诺。 在乡村沃野，江苏建立1 ...

该行工作人员还针对村民在生产经营、创业发展中的资金需求，带来通俗易懂的金融知识宣讲和产 品推介，并实时为村民答疑解惑，让金融服务真正走进田间地头。 如今，在沭阳大地，金灿灿的稻谷装满了粮仓。这片土地的丰收图景背后，离不开沭阳农商银行始 终坚守的"三农"服务初心。从种植端到加工端、从农户需求到商户难题，沭阳农商银行以精准化的金融 服务，打通粮食产业从"丰产"到"丰收"的最后一公里。今年以来，该行已累计向当地粮食种植、加工、 仓储等产业链主体发放粮食贷款余额达18.11亿元，让"粮袋子"更稳、"钱袋子"更鼓的承诺，在田间地头 落地生根。 责任编辑：袁浩 在江苏沭阳，稻浪翻滚，大地铺金。恰逢丰收季节，沭阳农商银行积极行动，将金融能量精准注入 田间地头和农业生产一线。以量身定制的金融产品和高效灵活的服务机制，扎实助力秋收生产，守护大 国粮仓。 正值秋收秋种关键时期，农机装备需求迎来全年高峰。针对农机研发、制造、经销、购置全链条中 长期存在的"融资难、担保难"问题，沭阳农商银行以科技赋能和模式创新为抓手，创新推出"农机贷"产 品，随用随贷，方便快捷，以实实在在的服务助力丰产丰收。 围绕粮食行业的经营特点，沭阳农商银行提 ...

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]

江南时报讯 秋分已过，寒露将至，秋收进入关键时期。启东农商银行以精准滴灌的"金融活水"助力当 地广大农户抢抓农时，确保颗粒归仓。 了解情况后，启东农商银行迅速启动"三农服务绿色通道"，由支行行长带队现场办公。针对农场"轻资 产"特点，精准匹配"苏农贷"产品，该产品无需抵押担保，依托政策风险分担机制，高效满足季节性资 金需求。最终，银行为该农场授信300万元，首笔50万元秋收资金迅速到位。此笔贷款也是该行今年以 来支持的家庭农场类秋收贷款之一，该类贷款总额已达3192.93万元。 有了资金支持，朱锦荣家庭农场的秋收工作得以有序推进，有效规避了天气风险。启东农商银行的秋收 金融服务不仅聚焦家庭农场等新型农业经营主体，更广泛覆盖农垦企业和个人农户，形成点面结合、全 面护航的支撑格局。 朱锦荣家庭农场是当地规模化种植的标杆，年营业额超千万元。今年秋收，农场面临多重压力：收割窗 口期短，10月中下旬出现连续降雨，须在雨前完成2000余亩作物抢收；秋收前需支付农机服务费、租赁 大型农机等，短期资金缺口约50万元；缺乏抵押物……一度陷入"有需求、难融资"的困境。 从个案到全域，精准"滴灌"的金融活水，稳稳托起了启东农户的丰 ...

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]

Core Viewpoint - Hai'an Rural Commercial Bank emphasizes its commitment to supporting local development through precise loans and attentive services, rooted in its historical legacy and red gene spirit [1][2][14]. Group 1: Historical Context and Growth - Established 73 years ago, Hai'an Rural Commercial Bank has evolved from a local credit cooperative to a modern commercial bank with total deposits and loans exceeding 150 billion yuan [1]. - The bank has received over 300 honors at national, provincial, and municipal levels, reflecting its trust from the government and recognition from the market [1]. Group 2: Red Spirit and Community Engagement - The bank integrates red spirit into its services, creating innovative service models that enhance community engagement and support local development [2]. - Initiatives include building red-themed educational sites and providing financial services directly to communities, such as mobile banking services [2][4]. Group 3: Targeted Financial Products - Hai'an Rural Commercial Bank has developed specialized loan products for key demographics, including veterans, returning youth, and unemployed individuals, to support their entrepreneurial efforts [3]. - The "Embrace the Army Loan" and "New Farmer Elite Loan" have successfully provided substantial funding to help individuals start businesses and create jobs [3]. Group 4: Financial Support for Local Industries - The bank plays a crucial role in local industrial upgrades by offering tailored financial solutions throughout the business lifecycle, from startup to maturity [5][6]. - It has implemented a "chain-based" financial service model to meet the financing needs of various sectors, ensuring that financial resources are effectively allocated along the industrial chain [7]. Group 5: Cost Reduction and Efficiency - The bank focuses on reducing costs for enterprises by offering various loan products and lowering interest rates, thereby enhancing operational efficiency [8]. - It has streamlined loan approval processes, significantly reducing the average approval time to support businesses in a competitive market [8]. Group 6: Rural Revitalization Efforts - Hai'an Rural Commercial Bank is committed to rural revitalization by providing accessible financial services to farmers, enabling them to secure loans easily [9]. - The bank has established a comprehensive credit system that covers all administrative villages, allowing farmers to access loans through mobile banking [9]. Group 7: Support for Specialty Industries - The bank supports local specialty agriculture by creating tailored financial service models for key agricultural products, ensuring stable supply and market expansion [10]. - It has provided significant funding to various agricultural enterprises, facilitating their growth and technological advancements [10]. Group 8: Social Responsibility and Community Support - The bank actively participates in social welfare initiatives, contributing over 300 million yuan to charitable causes and establishing support stations for outdoor workers [14]. - It has implemented programs to assist vulnerable groups, including children and the elderly, demonstrating its commitment to community welfare [14]. Group 9: Workforce Development - Hai'an Rural Commercial Bank invests in employee training and development, focusing on enhancing skills related to customer service and financial products [13]. - The bank promotes a culture of continuous learning and community engagement among its staff, ensuring they are well-equipped to meet local needs [13].

Group 1 - The core viewpoint of the articles highlights the significant role of financial support in promoting rural revitalization in Suzhou, showcasing successful case studies of local agricultural enterprises [1][2][3][10] - Suzhou's financial institutions have been actively providing tailored financial products and services to meet the diverse financing needs of agricultural stakeholders, enhancing the overall efficiency of rural financial services [7][8][14] Group 2 - Suzhou Lake Qiang Agricultural Technology Co., Ltd. has grown into a strong player in the crab farming industry, supported by 20 million yuan in credit from Changshu Rural Commercial Bank, and has implemented a cooperative model that benefits surrounding farmers [1][5] - The local financial institutions have collectively issued over 490.3 billion yuan in loans to support agriculture from January to August 2025, with a focus on enhancing the agricultural sector [3][10] - The establishment of various innovative financial products, such as "Asset Revitalization Loans" and "Operating Rights Financing Loans," has been crucial in addressing the unique financing challenges faced by rural enterprises [8][9] Group 3 - The integration of digital financial services in rural areas has been emphasized, with initiatives like the Long Triangle Digital Financial Service Platform being developed to support rural revitalization [4][10] - The financial support has led to the establishment of a comprehensive agricultural supply chain, benefiting over 400 new agricultural operating entities in the Changshu area [5][10] - The success stories of local farmers, such as the crab farmer who expanded his business with the help of financial services, illustrate the positive impact of financial support on rural livelihoods [12][14]