Core Viewpoint - Zhongshan Rural Commercial Bank is committed to serving the local economy and enhancing financial support for various sectors, demonstrating its mission as a local bank through innovative financial products and services aimed at both enterprises and individuals [2][3][4][6] Group 1: Financial Support for the Real Economy - The bank has a total asset scale exceeding 217 billion yuan and a loan balance of over 113 billion yuan as of September 2025 [2] - It supports the manufacturing sector with a loan balance of over 24 billion yuan, ranking among the top in the city [3] - The bank has provided financing of over 6.4 billion yuan for 117 "industrial transformation" projects and nearly 1.8 billion yuan for 20 investment projects [3] - A dedicated evaluation system for technology-based enterprises has been established, successfully providing 10 million yuan in R&D loans to a national-level specialized company [3] Group 2: Promoting Inclusive Finance - The bank has a balance of over 32 billion yuan in inclusive small and micro loans, accounting for over 20% of the city's total [4] - It has completed credit assessments for 237 villages, with a total credit amount of approximately 53 billion yuan, benefiting over 600,000 households [4] - The average interest rate for newly issued small and micro enterprise loans has decreased to 3.04%, down 0.35 percentage points from the previous year [4] Group 3: Digital Transformation and Service Innovation - The bank is enhancing its digital services, with 1.7 million mobile banking users benefiting from rapid loan approval processes [6] - It has integrated over 400 government services into its branches, allowing residents to handle various administrative tasks conveniently [6] - The bank has developed a smart living service ecosystem, collaborating with 1,458 merchants and serving over 8.13 million users [6]

"为了方便双11购物，我专程去办了一张信用卡。11月3日在线上申请，4号就去银行确认激活，想在11 月11日之前购物完毕。"家住北京市东城区的90后消费者小孙对《华夏时报》记者表示，办卡前咨询了 好几家银行客户经理，自己的目标很明确就是需要支付满减，以及送电商平台会员。 今年，多家银行将信用卡、消费贷作为核心发力点，密集推出满减、返现抽奖、低息分期等专属营销活 动。 本报（chinatimes.net.cn）记者付乐 北京报道 今年"双11"金融机构成为不可或缺的"推力"。记者梳理了今年双11消费金融市场发现，从银行到消费金 融公司，各机构不再是单纯的支付通道，而是通过24期免息、满减返现、财政贴息等举措，激发消费意 愿。 例如中山农商银行推出"双11消费备用金"计划，其"街坊快贷"最高30万元额度，年利率最低3%，相当 于1万元借一天利息0.83元，为消费者减轻支付压力。此外，针对双11电商创业者的备货资金需求，新 网银行推出电商专享贷，缓解创业者资金周转压力。 11月4日，邮储银行研究员娄飞鹏对《华夏时报》记者表示，金融机构通过支付立减、积分返现、国补 叠加红包等短期优惠吸引用户，但要实现从一次性交易到长 ...