今年以来，南通农商银行深入贯彻落实乡村振兴战略和普惠金融政策要求，紧紧围绕"增户扩面、提质 增效"工作主线，通过强化机制督导、织密服务矩阵、深化数字运营三大举措，全面推动信贷业务高质 量发展。上半年，全行各项贷款659.21亿元，较年初净增36.26亿元；重点信贷客户数36175户，较年初 净增1533户，用实实在在的金融供给为地方经济发展注入新动能。 数字赋能精运营，智能营销提质效。该行依托联合银行数字化营销客群清单，组建成立"数据敏捷小 组"，深入开展数据清洗，并结合客群实际和经营经验锁定拓展目标，围绕回捞促活、提额挖转、无贷 挖掘及网贷转化客群，配置展业平台客户权益，匹配营销策略和话术，开展专项营销建档活动。配合联 合银行开展精准营销模型试点工作，形成"小模型+大模型"双轨获客体系输出方案。上半年累计触达等 级1—3级客户1149户，用信95户4972万元，带动数字化展业效率有效提升。 下阶段，南通农商银行将持续优化"整村授信+网格化营销"服务模式，通过强化产品创新、优化服务流 程、深化科技赋能，构建"线上便捷、线下贴心"的服务体系，坚定不移地走好差异化、特色化发展道 路，为服务地方实体经济贡献更大金融 ...

Core Viewpoint - Nantong Rural Commercial Bank is committed to serving the local economy and has implemented various strategies to enhance inclusive financial services, resulting in steady growth in agricultural and small business loans [1] Group 1: Mechanism and Governance - The bank has established an efficient and professional system for supporting agriculture and small enterprises, integrating top-level design with grassroots execution [2] - A quantitative assessment scheme for small loans has been developed, ensuring accountability and performance tracking among staff [2] - Training programs for frontline marketing personnel have been enhanced to improve service delivery and policy implementation [2] Group 2: Resource Coordination - The bank has created diverse financing channels to address the financing challenges faced by small enterprises, including partnerships with local governments and the introduction of nearly 20 local financial products [3] - Marketing strategies have been customized through grid marketing, with significant outreach efforts resulting in visits to 19,738 clients and phone calls to 4,777 clients by the end of May [3] Group 3: Product Innovation - The bank focuses on market demands by developing flexible financial products, such as "Hengxindai" for consumer and operational needs, and optimizing "Suxindai" for farmers and small business owners [4] - A digital platform has been launched to enhance efficiency, achieving a personal loan renewal completion rate of 99.99%, ranking first in the province [4] Group 4: Risk Management - The bank emphasizes risk management and data governance to ensure sustainable development of inclusive credit, streamlining processes and clarifying departmental responsibilities [5] - A comprehensive accountability system has been established to address due diligence and liability issues in inclusive credit operations [5] - The bank aims to continue enhancing its support for agriculture and small enterprises, reinforcing its commitment to financial services for the community [5]