"我们刚落户海安时，手里有技术、有订单，但缺启动资金，很多银行看我们没多少固定资产，都 比较谨慎。没想到，海安农商银行主动找上门，不仅给了1000万元贷款，还一路伴随我们成长，现在授 信额已达到4000万元了。"南通四方新材料有限公司负责人感慨地说。该公司是一家从事新能源汽车、 航空航天等领域产品研发的高新技术企业。从企业刚落户江苏海安时的3000万元产值到如今的2.8亿 元，海安农商银行紧贴企业发展需求，深度运用大数据等前沿技术，不仅显著提升了客户服务的精准度 与效率，更为该行在科技金融领域的转型升级、实现"蝶变"发展，筑牢了坚实根基。 近年来，海安农商银行积极顺应科技产业发展趋势，根植"科技强市"创新沃土，将服务科技金融视 为践行金融"五篇大文章"的首要任务。通过构建一套涵盖专业化架构、标准化服务、全周期产品的特色 化生态体系，不仅破解了科创企业"轻资产、缺担保"的融资难题，更致力于成为区域创新发展的"赋能 者"与"同行人"，以金融活水更精准滋养本土科创森林的枝繁叶茂。 理念先行：从"看砖头"到"看专利"的信贷文化重塑 面对科创企业高成长、高风险、轻资产的特性，该行在信贷支持上率先跨出理念转变的"关键一 ...

五年来，我省深入推进要素市场化配置改革，突出表现在科技创新效能持续提升，土地潜力有效激 活，高端人才更加集聚，数据要素价值充分释放，资本供给精准有力，国家级试点探索先行，让经济发 展支撑动力显著增强。 金融是国民经济的血脉，关系中国式现代化建设全局。省委金融办副主任钱东平介绍，"十四五"期 间，我省积极开展金融改革创新试点，持续增强法人金融企业综合竞争力，深度参与多层次资本市场投 融资综合改革，有序推进金融对外开放合作，进一步提升了金融服务实体经济的效能。"十四五"以来， 全省社会融资规模年增量保持全国前列，2022年以来新增贷款稳居全国第一，"十四五"期间新增境内上 市公司256家、居全国第一，助力经济大省挑大梁重大责任落实。 数据作为新型生产要素，是发展新质生产力、推动高质量发展的基础性、战略性资源。省数据局副 局长兼省发展改革委副主任李秀斌介绍，江苏率先推行全省公共数据"一本账"建设管理模式，并建成全 省统一公共数据资源登记平台，首批实现与国家平台贯通，截至11月底，累计登记公共数据资源14908 类、数量居全国第一。在此基础上，形成全省"一个数据交易所、一个平台系统、一套交易规则"的场内 交易格局，在 ...

Core Points - Xu Zhou Rural Commercial Bank is committed to supporting the high-quality development of the manufacturing industry as part of its mission to serve the real economy [1][2] - The bank has introduced innovative financial products like "Su Zhi Loan" and "Su Ke Loan" to meet the diverse needs of manufacturing enterprises at different stages of development [1] Group 1 - Xu Zhou Rural Commercial Bank provided a 3 million yuan working capital loan to Jiangsu Ningyi Electric Equipment Co., Ltd., along with a pre-approved credit of 16 million yuan, facilitating the company's growth [1] - Xu Zhou Xudi Machinery Co., Ltd. received a 300 million yuan loan initially, followed by an additional 500 million yuan, resulting in a 30% increase in production efficiency and a product qualification rate of 99% after upgrading equipment [1] - Over the past two years, the bank's branch has provided 120 million yuan in credit support to 15 manufacturing enterprises in the industrial park, with an average production efficiency increase of over 30% for three companies that completed production line upgrades [1] Group 2 - The bank plans to continue its commitment to serving the real economy by increasing credit support for emerging industries such as high-end equipment manufacturing and intelligent manufacturing [2]

Core Insights - The "Su Quality Loan" program has significantly aided small and micro enterprises in Jiangsu province by converting intangible assets like quality certifications into tangible financial support [2][4] - The program has led to substantial growth for companies like SIRUI Machinery, which transitioned to manufacturing silicon steel processing equipment, resulting in a 52.27% increase in sales in 2024 [1][2] Group 1: Company Developments - SIRUI Machinery has developed innovative automated equipment, including a five-piece high-speed stacking machine and a fully automatic shearing machine, which have received positive customer feedback [1] - The company faced challenges due to a saturated leather processing equipment market and successfully pivoted to silicon steel processing equipment, supported by the "Su Quality Loan" [1][2] - With the loan, SIRUI Machinery upgraded its equipment and expanded its R&D team, leading to the successful launch of 18 invention patents and improved production line precision [2] Group 2: Financial Impact - The "Su Quality Loan" program was initiated in November 2022 to provide financing for enterprises with quality honors and certifications, transforming quality levels into credit assets [2][4] - Since 2022, the program has helped 27,000 enterprises secure quality financing totaling 207 billion yuan, with 19,000 enterprises receiving 98.4 billion yuan in loans in 2025 [4] - The program has significantly reduced financing costs for small and micro enterprises, with over 90% of loans benefiting these businesses [4] Group 3: Broader Industry Implications - The "Su Quality Loan" has become a crucial tool for small and micro enterprises in Jiangsu, facilitating their transformation and upgrade efforts [3][4] - The initiative aligns with national policies aimed at improving financing support for private enterprises and small businesses, enhancing the overall economic development of the province [4]

Core Insights - Jiangsu province has issued over 1 trillion yuan in loans benefiting more than 5,000 enterprises in the past two years, with a focus on supporting small and micro enterprises through a financial subsidy policy starting in 2024 [1][6] Group 1: Financial Support for Manufacturing - Manufacturing has received the largest share of support, with loans amounting to 1,015.29 billion yuan, accounting for approximately 70% of the total issued loans [1] - The implementation of the subsidy policy has enabled companies like Zhongcai Lithium Membrane to secure significant funding, accelerating project development [1] - As of June 2024, 4.5 billion yuan in subsidies have been allocated to 2,027 enterprises under the manufacturing loan subsidy policy [2] Group 2: Urban Renewal Financing - The "Chengxin Loan" has issued 179.13 billion yuan, focusing on urban renewal projects such as old community renovations and infrastructure upgrades [3] - The loan has facilitated projects like the transformation of the Nanjing community fitness center, showcasing the efficiency of the financing process [3] - By September 2023, the "Chengxin Loan" had allocated 3.29 billion yuan in subsidies, benefiting 183 enterprises [3] Group 3: Diverse Financial Products - The "Suzhi Loan" has disbursed 131.92 billion yuan, reaching the highest number of enterprises at 2,203, addressing the urgent financing needs of small and micro enterprises [5] - Other financial products like "Jiaoyun Loan" and "Technology Innovation First Loan" have also contributed significantly, with respective disbursements of 73.9 billion yuan and 31.19 billion yuan [5] Group 4: Policy Effectiveness and Long-term Strategy - Jiangsu's financial subsidy policies are designed to convert "policy dividends" into "development effectiveness," enhancing the overall economic landscape [6][7] - The policies aim to address the challenges of traditional industries facing equipment aging and technological lag, ensuring that financial resources are directed to critical areas [6][7] - The government plans to optimize policy effectiveness by focusing on differentiated financing needs across various sectors, enhancing the sustainability of economic growth [7]

Core Insights - Jiangsu province is implementing a financial interest subsidy policy starting in 2024 to support small and micro enterprises, enhancing the quality and efficiency of the real economy [1][6] - By September 30, 2023, various interest subsidy products have issued loans totaling 1,434.05 billion yuan, with over 1 billion yuan in subsidies benefiting 5,212 enterprises [1] Manufacturing Sector Support - The manufacturing sector, identified as the "ballast stone" of Jiangsu's economy, has received significant support, with loans amounting to 1,015.29 billion yuan, accounting for approximately 70% of the total issued loans [1] - Companies like Zhongcai Lithium Membrane (Nanjing) Co., Ltd. have benefited from these policies, receiving 880 million yuan in loans to accelerate project development [1] Financial Collaboration - Large-scale financing projects are often challenging for single banks; thus, a consortium led by China Construction Bank has been formed to facilitate loans and subsidies for enterprises [2] - Since the implementation of the manufacturing loan interest subsidy policy in June 2024, 450 million yuan in subsidies have been allocated, benefiting 2,027 enterprises [2] Urban Renewal Financing - The "Chengxin Loan" has issued 179.13 billion yuan, focusing on urban renewal projects, including infrastructure upgrades and old community renovations [3] - By September 30, 2023, the "Chengxin Loan" has provided 329 million yuan in subsidies, benefiting 183 enterprises [3] Diverse Financial Products - The "Suzhi Loan" has issued 131.92 billion yuan, benefiting the highest number of enterprises at 2,203 [5] - Other financial products like "Jiaoyun Loan" and "Technology Innovation First Loan" have also contributed significantly, with respective loans of 73.9 billion yuan and 31.19 billion yuan [5] Policy Effectiveness and Long-term Strategy - Jiangsu has introduced over 10 special interest subsidy policies, streamlining the application process to enhance enterprise access to funds [6] - The policies are designed to address the challenges of traditional industries facing equipment aging and technological lag, ensuring financial support for critical sectors [6][7] Economic Resilience - The interest subsidy policies aim to lower financing costs for enterprises while directing social capital towards key areas such as manufacturing upgrades and infrastructure development [7] - The effectiveness of these policies is evident in their ability to convert "policy dividends" into tangible economic outcomes, fostering long-term growth [7]

Core Insights - Jiangsu province is implementing a financial interest subsidy policy starting in 2024 to support small and micro enterprises, enhancing the quality and efficiency of the real economy [1][6] - By September 30, 2023, various interest subsidy products have issued loans totaling 1,434.05 billion yuan, with over 1 billion yuan in subsidies benefiting 5,212 enterprises [1] Manufacturing Sector Support - The manufacturing sector, identified as a cornerstone of Jiangsu's economy, has received the most substantial support, with loans amounting to 1,015.29 billion yuan, accounting for approximately 70% of the total issued loans [1] - Companies like Zhongcai Lithium Membrane (Nanjing) Co., Ltd. have benefited significantly from these policies, receiving 880 million yuan in loans to accelerate project implementation [1] Financial Collaboration - The construction of large-scale projects often requires significant financing, leading to collaborations among banks, such as the joint efforts of China Construction Bank, the National Development Bank, and the Transportation Bank to form external syndicates [2] - Since the launch of the manufacturing loan interest subsidy policy in June 2024, 450 million yuan in subsidies have been allocated, benefiting 2,027 enterprises [2] Urban Renewal Financing - The "Chengxin Loan" has issued 179.13 billion yuan, focusing on urban renewal projects, including the renovation of old neighborhoods and infrastructure upgrades [3] - By September 30, 2023, the "Chengxin Loan" has allocated 329 million yuan in subsidies, benefiting 183 enterprises [3] Broad Coverage of Subsidies - The "Su Quality Loan" has issued 131.92 billion yuan, benefiting the highest number of enterprises at 2,203, despite not being the largest in total funding [4][5] - Other loans such as "Jiaoyun Loan" and "Technology Innovation First Loan" have also contributed significantly, with respective amounts of 73.9 billion yuan and 31.19 billion yuan issued [5] Policy Effectiveness and Long-term Strategy - Jiangsu has introduced over 10 special interest subsidy policies since last year, streamlining the application process to enhance accessibility for enterprises [6][7] - The policies aim to address the challenges of traditional industries facing equipment aging and technological lag, ensuring financial support reaches critical areas [6][7] - The province's approach reflects a proactive stance in response to external and internal economic challenges, aiming to stimulate investment in key sectors [7]

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 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]

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]