Core Viewpoint - Gao You Rural Commercial Bank is committed to a small and scattered strategy, focusing on community service and supporting rural revitalization, achieving significant recognition through quality services and convenient products [1] Group 1: Business Strategy and Performance - As of April 2025, the bank's total loan balance reached 20.015 billion, with 83.45% allocated to entity loans and 17.871 billion in private enterprise loans, reflecting a growth of 562 million since the beginning of the year [1] - The bank has established a cooperative mechanism with over 50 units, covering more than 90% of villages, to enhance service ecosystems for the development of the real economy [2] - The bank has hosted government-enterprise connection meetings in 9 towns, reaching 301 enterprises and expecting cooperation worth 320 million [3] Group 2: Service Innovation and Product Development - The bank has launched nearly 20 localized products, including "Intellectual Property Pledge Loan" and "Postal Fortune Sci-tech Loan," to address financing challenges for small and micro enterprises [2] - A combination of "subsidy + financing" services has been introduced to support the construction of the "S333" Sci-tech Corridor, with a technology loan balance of 2.375 billion [4] - The bank has developed a "Technology + Finance" dual-driven model, offering various financial products tailored to the needs of technology enterprises [5] Group 3: Operational Efficiency and Community Engagement - The bank has implemented a dynamic incentive mechanism for inclusive small micro-loan issuance, with private enterprise loans accounting for 75.47% and manufacturing loans at 48.45% as of April [4] - A comprehensive outreach initiative has been conducted, covering 24,000 tax-paying enterprises and individual businesses, resulting in 20,048 visits and 4.111 billion in new credit [4] - The bank has restructured its credit process to enhance efficiency, achieving a 30% improvement in report writing efficiency and reducing the time from signing to disbursement to half a day [5]

Core Viewpoint - Jiangsu Gaoyou Rural Commercial Bank is committed to a small and scattered strategy, focusing on community service and supporting the real economy and rural revitalization, achieving recognition through quality service and convenient products [1] Group 1: Financial Performance - As of the end of April, the bank's balance of entity loans reached 20.015 billion, accounting for 83.45% of total loans [1] - The balance of loans to private enterprises was 17.871 billion, an increase of 562 million since the beginning of the year [1] Group 2: Collaborative Initiatives - The bank has established a cooperative mechanism for party building, collaborating with over 50 units, covering 13 towns and districts, with a community coverage rate exceeding 90% [2] - The bank has launched nearly 20 localized products, including "Intellectual Property Pledge Loan" and "Post-Fu Sci-Tech Loan," to meet local industry needs [2] - A total of 12.3 billion has been disbursed through the "government + bank + guarantee" model, benefiting 236 small and micro enterprises [2] Group 3: Support for Small and Micro Enterprises - The bank has integrated inclusive small and micro loan issuance into its core assessment, with private enterprise loans accounting for 75.47% of total loans and manufacturing loans at 48.45% [3] - The bank conducted a "thousand enterprises and ten thousand households" outreach campaign, covering 24,000 tax-paying enterprises and individual businesses, resulting in 20,048 visits and 4.111 billion in new credit [3] Group 4: Innovation and Service Development - The bank focuses on the full-cycle needs of technology enterprises, offering comprehensive services to address financing challenges for tech startups and talent [4] - A specialized branch for the Gaoyou shrimp industry has been established, providing 600 million in credit support to over 3,000 aquaculture households this year [4] - The bank is transitioning to a "three platforms and six positions" credit model, improving report writing efficiency by 30% and shortening the loan process to half a day [5]