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]

Core Insights - Xuzhou Rural Commercial Bank focuses on addressing long-standing pain points faced by agricultural entities, such as high financing costs, difficulty in obtaining guarantees, and information asymmetry, through product innovation, mechanism construction, and government-bank cooperation over the past five years [1] Product Innovation - The bank promotes provincial products like "Micro Loan," "Su Nong Loan," and "Su Quality Loan," leveraging government credit enhancement and risk-sharing to effectively lower financing thresholds [1] - As of August 2025, these products have served 490 clients with a total balance of 818 million yuan, helping farmers transition from small-scale operations to larger-scale management [1] Customized Financial Solutions - The bank has introduced tailored products to meet diverse needs, such as the "Three Towns Support Loan," which provides subsidized loans to returning youth, exemplified by a 200,000 yuan startup fund for a family farm [1] - The "Village Strengthening Loan" offers up to 10 million yuan in credit for village economic cooperatives, supporting 198 collective economic entities [1] - In 2024, the bank collaborated with guarantee institutions to launch "Industry Prosperity Loan" and "Incremental Loan," disbursing 210 million yuan and 299 million yuan respectively [1] Risk Mitigation Strategies - By establishing a multi-party risk-sharing model involving banks, government, and guarantees, the bank has reduced guarantee fees and implemented fiscal interest subsidy policies, effectively alleviating the financial burden on farmers [1] - This approach ensures that agricultural loans are both easy to obtain and secure to repay, contributing to the overall goal of rural revitalization [1]

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]