Core Viewpoint - Taizhou Rural Commercial Bank has achieved steady growth in key indicators and significant breakthroughs in key tasks this year through a focus on "scale expansion, structural optimization, and quality improvement" across three dimensions: business scale expansion, risk control enhancement, and service innovation upgrade [1] Business Scale Expansion - The bank has achieved coordinated expansion across three fronts, with a focus on small and micro enterprises and the real economy, resulting in increased loan balances and growth rates in key areas, exceeding regulatory targets for inclusive loans [1] - For large enterprises, the bank offers flexible credit limits, preferential interest rates, and supply chain financial services, while simplifying credit loan approval processes for small and medium enterprises, enhancing customer loyalty significantly [1] - The bank has seen growth in low-cost funding retention on the liability side, with increases in corporate settlement account openings, effective payroll enterprises, and payroll amounts, alongside a steady rise in monthly active users for personal and corporate wallets [1] Risk Control - The bank has established a "three-line defense" for risk control, with a decrease in non-performing loan rates since the beginning of the year and significant achievements in the recovery and disposal of non-performing loans [2] - An innovative online mediation model, "Rongyi Jie," has significantly improved the resolution rate of small non-performing disputes, while a revised responsibility recognition method for non-performing loans has been introduced to stimulate lending enthusiasm among account managers [2] - The efficiency of the full-process risk control has improved, with a nearly 50% reduction in credit approval time under the "three platforms and six posts" model, maintaining a high renewal approval rate for personal clients [2] Service Innovation - The bank has initiated a grid-based service model, leveraging "grid + big data + footwork," resulting in significant increases in the number of new face-to-face clients, archived clients, credit clients, and loan clients in the third quarter [3] - The establishment of specialty branches, such as the government and early tea branches, has progressed smoothly, with the early tea branch collaborating with merchants for promotional activities, creating a "finance + livelihood" service loop [3] - The bank has expanded its convenient service coverage, establishing multiple inclusive financial service demonstration points, achieving good results in agricultural withdrawal and agency payment business volumes and amounts [3]