精准分级施策，破解融资痛点。南通农商银行紧扣"精准"与"便捷"两大核心，严格执行《"苏质贷"业务 管理办法》，将企业按质量信誉划分为Ⅰ、Ⅱ、Ⅲ类，Ⅳ类参照Ⅱ类执行，覆盖从市级质量奖到A级质 量信用主体。针对不同等级，实行差异化支持：Ⅰ类企业单户额度最高3000万元，利率仅较LPR上浮 0.3个百分点；1000万元以内可纯信用发放，仅需实际控制人夫妻担保，无需抵押。这一模式既降低了 优质企业的融资成本，也为成长型中小企业开辟了"以质换贷"的新路径。 "以前靠抵押融资要等十几天，现在凭着质量信用认证，几百万贷款几天就到账！"近日，南通一家制造 业企业负责人拿着贷款到账凭证，对融资效率提升连连赞叹。 深化产品联动，拓宽服务覆盖面。以"苏质贷"为基础，该行正将"质量信用"延伸至更多领域。2026年， 信贷资源将重点投向新型农业主体、科技型企业等群体，推动"苏质贷"与"专精特新贷""通科贷"等产品 协同联动，构建覆盖企业全生命周期的融资服务体系。同时，借助贴息政策优化流程、提升效率，从累 计投放9.2亿元的知识产权质押贷，到创新推出质量信用贷；从对接政府质量认证企业，到深耕供应链 金融服务产业链，该行让"质量"从抽象荣 ...

Core Insights - Nantong Rural Commercial Bank is actively implementing rural revitalization strategies and inclusive finance policies, focusing on "increasing customers, expanding coverage, improving quality, and enhancing efficiency" to drive high-quality credit business development [1] Group 1: Credit Business Development - The bank's total loans reached 65.921 billion yuan, with a net increase of 3.626 billion yuan since the beginning of the year [1] - The number of key credit customers increased to 36,175, with a net addition of 1,533 customers [1] Group 2: Marketing and Customer Acquisition - The bank organized a "customer increase and coverage expansion" marketing campaign, utilizing the "white list" feature of the inclusive finance platform and promoting key products like "Su Credit" and "Fumin Entrepreneurship Loan" [1] - A differentiated marketing strategy was developed for key customer groups, supported by a special assessment mechanism with weekly reports and monthly rewards [1] Group 3: Service Matrix and Product Innovation - The bank established a professional team for mortgage loans, collaborating with quality real estate projects and agencies, including a strategic agreement with "Beike" [2] - The bank launched a three-dimensional promotion mechanism for policy-based products, resulting in 289 entrepreneurship loans totaling 52.85 million yuan [2] - The "Tongke Loan" targeted technology enterprises, issuing loans to 83 customers totaling 337.88 million yuan [2] Group 4: Digital Operations and Marketing Efficiency - The bank formed a "data agile team" to enhance digital marketing efficiency, reaching 1,149 customers in levels 1-3 and issuing loans to 95 customers totaling 49.72 million yuan [3] - The bank plans to continue optimizing the "whole village credit + grid marketing" service model, focusing on product innovation and technology empowerment [3]

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]