一年来，国发担保主动承担政府性担保头雁责任，发挥好"量增价降"的头雁效应。2024年，公司积 极落实省财政厅"设备担"产品，实现首批落地，正式启动普惠机制创新升级模式。此外，开立全市首笔 旅行社质保金保函，全市首家入驻江苏省政府采购电子保函平台等适应产业优化发展的新产品不断入 市，国发担保2024年新增责任额在全省市级政府性融资担保公司中排名第三，带动全市政府性融资担保 业务体量跃居全省首位。 另一方面，秉持与小微、"三农"休戚与共的发展理念，国发担保突出降费让利，让普惠金融红利直 达小微、"三农"。国发担保畅通惠民利企快车道，为民营企业轻装快跑注入强劲动能。业务结构深度倾 斜小微、"三农"，不断推出新模式、新服务和新产品，单户融资额度1000万元以下占比97%，单户500 万元以下占比90%。"小微贷"和"富民贷"两款产品免担保费，其他收费产品减费让利1445万元，平均融 资担保费率严格控制在1%以下。 此外，突出向新求质，让普惠金融活水浇灌科创沃土。国发担保紧抓科技创新牛鼻子，打造高质量 发展新引擎。"科技创新担保计划"上线五个月备案13亿元，列全省担保机构首位。全年新增科创担保42 亿元，科创在保余额达 ...

□ 通讯员孟俊锋 "园区保"综合金融服务模式是2018年江苏信保集团根据省委省政府决策部署，针对江苏域内产业、企业 大部分集聚在园区的特点，联合地方政府(或园区)和相关金融单位，通过建立企业"白名单"、政府风险 资金池和多方风险共担等联动机制，共同为地方域内(或园区)企业进一步解决融资难题而创新推出的一 款综合金融服务模式。 产业发展离不开金融的支持，如何为缺乏抵押物的中小企业解决融资难题，成为企业、园区、政府多方 关注的重点。为此，连云港市工信局等部门与江苏信保集团连云港分公司积极推动在省级以上开发园区 推广"园区保"综合金融服务模式，有效缓解中小企业面临的融资难、融资贵等问题，不断推动中小企业 健康发展。 近年来，连云港市工信局将"园区保"综合金融服务模式纳入该市降本增效11条措施重点推进，提出各县 区建立不低于1000万元风险资金池，实现"园区保"业务全覆盖。组织开展"园区保"综合金融服务政策宣 讲，详细介绍"小微贷""设备担""增额保""环保担"等特色子产品，服务企业超1100户(次)。 同时，开展优质中小企业金融服务需求摸排，推荐1500余户企业纳入省工信厅重点支持中小企业"白名 单"。常态化开展政 ...

Core Viewpoint - The banking industry is undergoing significant differentiation and transformation, with increasing market competition. Jiangsu Bank has demonstrated strong performance amidst challenges, achieving high-quality development through its commitment to "finance for the people" and enhancing financial services [2][4]. Financial Performance - Jiangsu Bank reported a Q1 2025 operating income of 22.304 billion yuan, a year-on-year increase of 6.21% - The net profit attributable to shareholders was 9.78 billion yuan, up 8.16% year-on-year - Basic earnings per share reached 0.53 yuan, reflecting a growth of 17.78% [2][4] - As of the end of Q1 2025, the bank's non-performing loan ratio was 0.86%, the lowest since its listing, with a provision coverage ratio of 343.51% [4][5] Asset Growth - Jiangsu Bank's total assets surpassed 4 trillion yuan, reaching 4.46 trillion yuan, marking a significant milestone in its development - Total deposits amounted to 2.42 trillion yuan, a growth of 14.21% compared to the end of the previous year - Total loans reached 2.26 trillion yuan, with a year-on-year increase of 7.96% [3][4] Revenue Structure - The bank's interest income for Q1 2025 was 16.592 billion yuan, a year-on-year increase of 21.94%, accounting for 74.38% of total revenue - Non-interest income, including net fees and commissions, reached 1.65 billion yuan, up 21.77%, representing 7.4% of total revenue [4] Innovation and Support for SMEs - Jiangsu Bank has focused on enhancing financial services for small and medium-sized enterprises (SMEs) and technology innovation, establishing an "innovation ecosystem accelerator" - The bank has developed a tiered service system for technology financing and has actively engaged with local enterprises to support their growth [6][7] - As of the end of 2024, the bank's technology loan balance was 232.6 billion yuan, with a growth rate of 22.8% [7] Inclusive Finance Initiatives - Jiangsu Bank has prioritized inclusive finance, directing resources towards small and micro enterprises, and has implemented various initiatives to alleviate financing difficulties for these businesses - The bank's inclusive small and micro loan balance reached 210.5 billion yuan, a year-on-year increase of 21.36% [8][9] Retail Banking Strategy - The bank aims to expand its retail business and wealth management services, with a focus on customer needs and a comprehensive service approach - Retail deposits reached 822.9 billion yuan, growing 16.21% year-on-year, while retail loans amounted to 674.8 billion yuan, up 3.40% [10][11]