党建赋能科技金融，激活创新发展新动能。邳州农商银行坚持把党建引领贯穿科技研发与服务创新各环 节，设立党员先锋岗，以"敢为人先"的担当破解服务痛点、提升服务效能。依托大数据、人工智能等前 沿技术，构建智能化风控体系，将蒜农种植面积、板材企业经营流水、商户信用记录等多维度数据整合 分析，制定标准化评级模板，实现贷款审批"精准画像、智能决策"，让金融服务从"经验判断"向"数据 说话"转变。构建并动态更新"科创企业白名单"，精准对接"专精特新"企业和科技型企业，推广"专精特 新贷"等专项信贷产品，实施精准滴灌式金融服务。 站在新的发展起点，邳州农商银行将持续深化党建与业务融合，为推动邳州经济社会高质量发展、助力 乡村全面振兴贡献更强农商力量。胡梦 党建深耕普惠金融，筑牢乡村振兴新根基。坚守"支农支小"初心使命，邳州农商银行把普惠金融服务延 伸至田间地头、街头巷尾，构建"党建+金融村官+网格化"服务模式，打通金融服务"最后一公里"。全行 197名金融村官以"三强五进"工作法为指引，每周固定入驻行政村参与乡村治理，建立村民普惠信息档 案66.8万户，实现全市行政村整村授信全覆盖，让超70%的村民享受到"无感授信、有感反馈 ...

Core Insights - The construction of a rural credit system is crucial for rural revitalization and increasing farmers' income, serving as a cornerstone for "three rural issues" [1] - Pizhou Rural Commercial Bank focuses on local economic service, small and micro enterprises, and urban-rural residents, promoting inclusive financial services and exploring a "finance + industrial chain" development model [1] Group 1: Financial Support for Local Industries - Pizhou Rural Commercial Bank has developed specialized credit products tailored to the "Pizhou garlic" industry, addressing financing needs across the entire industry chain, including "Garlic Cultivation Loan," "Garlic Merchant Loan," and "Garlic Processing Loan" [2] - The bank has streamlined loan approval processes and established green lending channels to alleviate financing difficulties for businesses and individual entrepreneurs in the garlic industry [2] Group 2: Inclusive Financial Services - Beyond the garlic industry, the bank extends its financial services to other local specialties such as chicken farming and candied hawthorn, actively participating in initiatives to increase income for farmers and local enterprises [3] - A notable case includes a candied hawthorn producer who, with financial support, increased annual sales from 500,000 yuan to 2 million yuan, creating job opportunities for eight villagers [3] Group 3: Service Innovation - Pizhou Rural Commercial Bank is transforming its branches into comprehensive, intelligent, and scenario-based financial service hubs, enhancing service quality and customer experience [4] - The bank has established a "Small Circle Financial Service Team" to provide home service for clients with special needs, effectively extending services to rural areas [4] - The bank aims to integrate financial services, technological empowerment, industrial support, and cultural cultivation to build a unique rural credit system, continuously injecting new momentum into rural revitalization [4]