Core Viewpoint - Postal Savings Bank of China (PSBC) Hunan Branch focuses on serving "agriculture, rural areas, and farmers," urban residents, and small and medium-sized enterprises, enhancing financial service accessibility and satisfaction to support local economic development [1] Group 1: Support for Entrepreneurship and Employment - PSBC Hunan Branch has invested a total of 17.65 billion yuan in various entrepreneurial loans, supporting 68,200 entrepreneurs, becoming a key financial engine for employment and entrepreneurship in Hunan [2] - The bank has developed a comprehensive product system for different stages of entrepreneurship, offering loans up to 1 million yuan for startups and up to 5 million yuan for established businesses [2][3] Group 2: Innovative Service Models - The bank has established a collaborative mechanism with local government departments and launched an online application feature for "Entrepreneurial Guarantee Loans," achieving over 90% usage rate [3] - PSBC has introduced a green approval channel for new citizens, reduced loan interest rates, and launched "no repayment renewal loans" to facilitate seamless funding transitions [3] Group 3: Focus on Livelihood Needs - The bank has upgraded 1,080 branches to be more accessible for the elderly, providing facilities like love seats and magnifying glasses, and has simplified online banking for older customers [4] - PSBC has developed a pension fund supervision platform to ensure the safety of elderly individuals' funds through real-time monitoring and data analysis [5] Group 4: Empowering Small and Micro Enterprises - PSBC has issued 165.8 billion yuan in small enterprise loans, benefiting 14,000 clients, and has focused on technology-driven enterprises with nearly 157 billion yuan in loans [6][7] - The bank has implemented measures to reduce financing costs for small enterprises, including interest rate reductions and fee waivers, while enhancing online loan products [7] Group 5: Supporting Rural Revitalization - The bank has invested 8 billion yuan in agricultural modernization and rural consumption upgrades, supporting high-standard farmland projects with over 1.38 billion yuan [8] - PSBC has organized 234 events for rural vehicle purchases, providing 6.25 billion yuan in loans, with nearly 46% allocated to new energy vehicles [8] Group 6: Catering to New Citizens - The bank has customized financial products for new citizens, offering up to 200,000 yuan in consumer credit, with 877 million yuan in loans issued to meet urban residents' financial needs [9]

本报记者 郑长灵 近日，邮储银行江西永新县支行客户经理走进文竹镇东路村，现场为村民成功办理两笔累计60万元消费 贷款。这是该支行落实"提振消费"政策、推动金融服务下沉的生动实践，也让村民"住有所居"迈向"住 有优居"的步伐更加轻快。 "没想到在村里就能办下消费贷款，装修新房不用东拼西凑了！"在永新县城买了新房要装修的龙明生对 记者说，在东路村村委会，邮储银行永新县支行客户经理正在为村民讲解贷款服务，了解到他的需求 后，客户经理帮助他在手机银行上发起了申请。从资料填写到人脸识别放款，全程不到一个小时就收到 了30万元装修资金。 "以前办贷款要跑县城好几趟，现在银行上门服务，利率还优惠，真是省心又省钱！"龙明生看着手机银 行里的数字，满脸喜悦地说。 此次发放的贷款属于邮储银行"邮享贷"产品，依托借款人公积金缴存数据，最高可贷100万元，期限最 长5年，按月付息，到期一次性还本，可用于住房装修、家电购置等消费领域。邮储银行永新县支行负 责人对记者表示："我们针对农村改善型住房需求，主动对接政府和村委，主动上门宣讲。通过简化流 程、优惠利率，让政策红利真正转化为村民的'消费底气'。" 这笔贷款不仅是金融服务的数字体现 ...