Core Insights - The article highlights the innovative strategies employed by Danyang Rural Commercial Bank to address the financing challenges faced by small and micro enterprises in the region, focusing on a comprehensive service system that includes visiting businesses, leveraging policy benefits, and expanding financial services [1][2]. Group 1: Financing Challenges and Solutions - Danyang Rural Commercial Bank has adopted a "small and scattered" strategy to tackle the long-standing issues of financing difficulties and high costs for small and micro enterprises [1]. - The bank has conducted visits to 1,564 small enterprises and individual businesses, resulting in a total credit issuance of 842 million yuan [1]. - The bank has utilized various financial products, such as equipment renovation loans and innovation enterprise first-loan interest subsidies, to alleviate the collateral issues faced by small businesses, issuing 85 million yuan in manufacturing interest-subsidized loans and 120 million yuan in first-loan interest-subsidized loans for technology innovation [1]. Group 2: Expansion of Financial Services - The bank has established specialized financial institutions for small and micro enterprises in urban and economically developed rural areas, extending services to traditionally underserved regions [2]. - As of the end of March, the small micro finance department had 997 loan accounts with a total loan balance of 184 million yuan, averaging 184,200 yuan per account [2]. - The bank aims to create a "comprehensive service complex" for small enterprises by collaborating with the Economic Development Bureau, integrating policy consultation, tax guidance, and intellectual property assessment services to enhance financial support [2].