江南时报讯 徐州农商银行鼓楼支行深入贯彻支持中小微企业发展政策，以金融活水精准滴灌实体经 济。截至今年三季度末，该支行贷款总规模达15亿元，新增普惠贷款1.06亿元，规模在全行排名第二。 针对中小微企业特点，支行构建覆盖企业全生命周期的产品体系，推出"苏科贷"等特色产品。通过优化 流程，贷款审批时间从7天缩短至3天；推进数字化转型后，线上审批最快仅需2小时。 在徐州经开区，江苏浚泽电气有限公司凭借"苏科贷"纯信用贷款解决了资金压力，如今订单已排到两个 月后，年销售额预计突破5000万元。某智能传感器企业也凭借专利获得200万元贷款支持，实现首款产 品量产，订单量同比翻番。 支行坚持党建引领，通过"党建+银企共建"模式与园区建立常态化合作机制。组建"党员先锋队"深入生 产一线，量身定制金融服务方案，今年已开展银企对接活动20余场，服务企业超150家次。 鼓楼支行相关负责人表示，将继续坚守服务初心，深化数字化转型，加强政银企合作，为区域经济发展 贡献更大力量。 申玉龙 周静静 ...

徐州农商银行相关负责人表示，将继续坚守服务实体经济初心，加大制造业信贷投放，重点支持高端装 备制造、智能制造等新兴产业发展，为徐州制造业高质量发展贡献更大力量。 申玉龙 周静静 徐州旭笛机械有限公司同样受益。柳泉支行客户经理在走访中了解企业设备升级资金需求后，快速推 荐"苏质贷"产品，一周内发放300万元贷款，后续又追加500万元。企业引进智能设备后，生产效率提升 30%，产品合格率跃升至99%。 近年来，徐州农商银行创新推出"苏质贷""苏科贷"等特色产品，精准对接制造业企业不同发展阶段需 求。柳泉支行坚持党建引领，主动对接镇政府及产业园，构建"政银园企"协同发展新格局。近两年，该 支行已累计为15家园区制造企业提供1.2亿元信贷支持，其中3家企业顺利完成生产线升级改造，生产效 率平均提升30%以上。 江南时报讯 徐州农商银行积极践行金融服务实体经济使命，将支持制造业高质量发展作为重要着力 点，围绕徐州市"工业立市、产业强市"战略，精准助力制造业企业转型升级。 在铜山区柳泉高端设备和智能制造产业园，江苏宁意电气设备有限公司得益于徐州农商银行的持续支 持。柳泉支行不仅迅速发放300万元流动资金贷款，并在贷款到期 ...

近年来，徐州农商银行深耕实体经济，以精准金融服务助力企业高质量发展。 江苏浚泽电气有限公司是一家2018年成立的高新技术企业，2021年因搬迁新厂、扩增产能遭遇资金周转 难题——铜材、板材等原材料需现金采购，而项目回款周期长达3-6个月，资金链一度紧张。 徐州农商银行鼓楼支行主动对接，通过"苏科贷"纯信用贷款模式，3天内完成从材料提交到贷款到账的 全流程，及时缓解了企业资金压力。在资金助力下，企业新增生产线，顺利承接大型光伏配电项目，产 品现已覆盖全国并拓展至海外，年销售额预计突破5000万元，订单排至两个月后。 银行服务不止于放贷，更注重全周期陪伴。客户经理每月上门走访，跟进生产进度，根据需求调整服 务：结算开通"绿色通道"，对账提供上门服务，员工代发实现"秒到账"，还依据政策为企业申请利息减 免，真正做到"懂企业、肯帮忙"。 截至2025年三季度末，鼓楼支行贷款总规模达15亿元，新增普惠贷款1.06亿元，规模在徐州农商银行全 行排名第二，用实际行动诠释了"深耕实体显担当，精准滴灌促发展"的使命担当。申玉龙 ...

Core Viewpoint - Su Nong Bank's senior management, including President Wang Liang and Vice Presidents Fei Haibin and Geng Zhi, voluntarily plan to increase their shareholdings, demonstrating confidence in the bank's future and commitment to its development strategy [1][2]. Management Changes - Wang Liang, born in 1982, has extensive experience in various departments at Citic Bank and Su Nong Bank, making him well-suited for the role of President [2]. - Vice Presidents Fei Haibin and Geng Zhi also have rich backgrounds in grassroots banking and risk control, contributing to a well-rounded management team [3]. Strategic Focus - Su Nong Bank aims to serve as a "financial service steward" for small and medium-sized enterprises (SMEs), with over 90% of its loans supporting the real economy and more than 60% directed towards private enterprises [4]. - The bank has positioned itself as a leader in manufacturing loans among listed banks, establishing a "Su Nong model" for rural financial institutions [4]. Green Finance Initiatives - As the only legal bank in the Yangtze River Delta ecological green integration development demonstration zone, Su Nong Bank emphasizes green finance, with a target of exceeding 6 billion yuan in green loans by mid-2025 [4][5]. - The bank has successfully implemented various green finance projects, including the "Textile Industry Low Carbon Transformation and Financial Innovation Guide" to support the local textile industry's transition [5]. Innovation in Financial Products - Su Nong Bank has launched several innovative financial products aimed at technology enterprises, including "Talent Loans" and "Su New Loans," and has partnered with local government initiatives to enhance financial support for innovation [5]. - The bank has also introduced a unique "loan + equity option registration" business model, marking a first for rural commercial banks in Jiangsu [5].

Core Insights - The Jiangsu Province is focusing on building a globally influential industrial technology innovation center through a ten-year action plan aimed at doubling the modern high-tech service industry, emphasizing six key areas: research and development, entrepreneurial incubation, digital industries, biotechnology, green energy and carbon reduction, and technology finance [1][2] Group 1: Industry Growth and Performance - The revenue of the province's scientific research and technical service industry has shown steady growth, with a year-on-year increase of 9.3% from January to August this year, ranking among the top in the country [1] - The province aims to enhance the quality and scale of high-tech service entities, with the first national regional technology transfer center established in Jiangsu, collecting over 500 enterprise technology demands [5] Group 2: Policy and Support Measures - Jiangsu has implemented 14 specific measures to support the development of the modern high-tech service industry, including optimizing technology platform support and incubating new business models [2] - The province has introduced policies to support high-tech enterprises in the technology service industry through loan interest subsidies and innovation vouchers, benefiting approximately 1,000 enterprises in 2024 [2] Group 3: Innovation and Research Platforms - Jiangsu is enhancing platform construction to gather innovation resources and break through key technologies, with significant advancements in various laboratories focusing on critical technologies such as 6G wireless networks [3] - The province is establishing a high-level new research and development institution system, aiming to build 10 leading, 30 benchmark, and 50 growing institutions [3] Group 4: Technology Transfer and Collaboration - The province has successfully held three consecutive industry-academia-research cooperation conferences, facilitating over 13,000 collaborations and creating a significant platform for technology and industry integration [4] - Jiangsu has revised regulations to improve the technology transfer system and launched a digital technology platform to match supply and demand effectively [4] Group 5: Financial Support and Development - Jiangsu is deepening the integration of technology and finance, with a planned issuance of 300 billion yuan in special loans for the technology sector in 2025 [7] - The province has introduced over 200 specialized financial products for technology enterprises and has facilitated credit loans totaling 117.6 billion yuan for more than 11,000 companies [8] Group 6: Future Development Plans - The Jiangsu Provincial Science and Technology Department plans to accelerate the high-quality development of the technology service industry, focusing on enhancing service capabilities and promoting the comprehensive development of various sectors [8]

Core Viewpoint - Jiangsu province is focusing on integrating technological innovation with industrial innovation as part of its new mission in the "14th Five-Year Plan" period, with financial support being crucial for developing new productive forces [1] Group 1: Strategic Framework - Zijin Rural Commercial Bank is enhancing its organizational structure to support technological enterprises and promote innovation in the science and technology sector [2] - The bank has established a three-year strategic plan for innovation finance, prioritizing support for technology enterprises and implementing specialized credit plans [2] - A "1+13+N" linkage mechanism has been created to facilitate a comprehensive service network for technology finance [2] Group 2: Service System Development - The bank is innovating its product offerings to meet the specific needs of technology enterprises at different life cycle stages, including startup loans and supply chain financial products [3] - As of September 2025, the bank has served over 1,800 technology enterprises and issued loans exceeding 9.6 billion [3] Group 3: Collaborative Efforts - The bank has established strategic partnerships with various technology parks and implemented a digital platform to enhance the efficiency of client visits [4] - Over 31,000 technology enterprises have been visited or followed up by the bank as of September [4] Group 4: Information and Resource Integration - The bank is focusing on high-quality development through information sharing and resource integration, collaborating with local government and technology agencies [5] - More than 100 technology-related organizations have engaged in strategic cooperation with the bank [5] Group 5: Community Engagement - The bank has partnered with six local technology financial service stations to provide on-site services and has organized over 70 enterprise matching events [6] - The bank aims to strengthen its role in supporting the real economy by developing tailored financial products and providing ample capital support for new productive forces [6]

Group 1 - The 2025 Zhenjiang Science and Technology Finance Matching Conference was successfully held, focusing on "Innovation Leading, Financial Empowerment" [1] - The event aimed to create a platform for technology talent, projects, and enterprises to connect with financial institutions, facilitating a green channel for technology SMEs to access capital [1][2] - The local government has implemented the "876" innovation leading project, establishing a risk compensation fund of 240 million yuan to support technology financial products [2] Group 2 - A total of 47 technology financial products were launched during the event, with significant participation from various banks and insurance companies [3] - The cooperation between technology enterprises and financial institutions is expected to enhance R&D, capacity expansion, and talent acquisition, potentially doubling revenues in emerging fields [4] - Insurance institutions are playing a crucial role in alleviating financing difficulties for technology enterprises by providing credit enhancement through a government-bank-insurance risk-sharing mechanism [5] Group 3 - The city aims to optimize technology financial products and develop a comprehensive investment and financing service system covering the entire lifecycle of technology enterprises [5][6] - The focus is on creating a financial ecosystem that encourages early, small, and long-term investments in technology innovation [5][6]

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].

Core Insights - Rugao Rural Commercial Bank actively implements national financial policies to serve "specialized, refined, and innovative" enterprises, achieving a coverage rate of 81.9% with 399 such enterprises served by June 2025 and a total loan issuance of 4.8 billion yuan [1] Group 1: Service Framework - The bank has established a specialized service system that integrates industry research, customer management, product innovation, and risk control [1] - A dedicated technology branch has been created to allocate credit resources and assign specialized personnel, with the branch manager also serving in the municipal science and technology bureau to enhance government-business collaboration [1] Group 2: Financial Products - The bank offers differentiated credit products tailored to the varying needs of enterprises at different development stages, with the flagship product "Specialized and Innovative Loan" offering a maximum limit of 50 million yuan and a term of up to 3 years [1] - A comprehensive product system covering the entire lifecycle of enterprises has been established, including "Su Ke Loan," "Su Zhi Loan," and "Su Zhi Quality Loan," aimed at transforming intellectual property into assets [1] Group 3: Service Optimization - The bank continuously optimizes its service mechanisms by implementing differentiated credit policies that incorporate R&D investment and intellectual property into the evaluation system, providing flexible financing arrangements [1] - The bank has successfully secured over 1.7 million yuan in interest subsidies for 24 enterprises in 2025, ranking first among rural commercial banks in the province for subsidy scale [1] Group 4: Future Outlook - Rugao Rural Commercial Bank aims to further enhance its technology financial service system to inject stronger financial momentum into the growth of "specialized, refined, and innovative" enterprises and the high-quality development of the local economy [1]