Core Viewpoint - The financial institutions in Nanhsiung City, Guangdong Province, have established an innovative "Four Have" financial service system to support the real economy and promote rural revitalization, injecting continuous financial momentum into local development [1][9]. Group 1: Investment Attraction - Guangdong Hongxing Hualu Industry Co., Ltd. is a key high-tech enterprise in Nanhsiung City with a total investment of 1.2 billion yuan, aiming to build a complete circular industrial chain with an expected annual output value of 2.8 billion yuan [2]. - The successful implementation of this project is supported by financial advisory services that enhance project evaluation and risk management [2][3]. - In 2024, Nanhsiung signed 144 new projects with a total investment of 6.776 billion yuan, and 157 new projects commenced construction [3]. Group 2: Rural Revitalization - Agricultural Bank's financial assistant, stationed in Wujing Town, provided tailored support to local farmers, helping them secure a low-interest loan of 2 million yuan, which significantly boosted their agricultural production [4]. - The farmer, Luo Wenqi, established a new agricultural technology company, generating an annual income of 1.5 million yuan and creating jobs for nearly 100 locals [4]. - The financial assistant model has facilitated the distribution of over 400 million yuan in loans to more than 2,000 farmers, enhancing financial accessibility [5]. Group 3: Small and Micro Enterprises Support - The fertile soil and favorable climate in Nanhsiung have led to the establishment of numerous grain and oil processing plants, such as Shunxiang Grain and Oil Processing Plant [6]. - Financial advisors from Nanhsiung Rural Commercial Bank provided tailored loan products to small enterprises, improving loan approval efficiency and supporting business growth [7]. - By the end of 2024, 65 financial advisors will cover all towns in Nanhsiung, offering comprehensive financial services [7]. Group 4: Financial Service Experience - The introduction of rural bond experience officers has improved access to financial services, allowing residents to purchase government bonds conveniently through mobile devices [8]. - A feedback platform has been established to collect suggestions from residents, enhancing the quality of financial services [8]. - The "Four Have" financial service system has shown initial success, marking a significant achievement in financial support for Nanhsiung [9].

Core Insights - The article discusses the innovative approach of Nanhsiu Rural Commercial Bank in Guangdong Province to provide financial services to rural farmers and enterprises by utilizing "small data" to support rural revitalization efforts [1][2][3] Group 1: Financial Services Innovation - Nanhsiu Rural Commercial Bank is leveraging "small data" such as moral character, customer reputation, and debt relationships to create a multidimensional loan application framework [1][2] - The bank has established a rural credit system based on "small data" by implementing a grid-based service model and conducting comprehensive credit assessments across 225 village committees, achieving a coverage rate of 95.33% [2] Group 2: Agricultural Support and Loan Distribution - The bank has tailored financial service solutions for the rice industry, providing 264 loans totaling 411 million yuan, contributing to Nanhsiu's status as a high-end rice supplier in the Guangdong-Hong Kong-Macao Greater Bay Area [3] - As of March 2025, the People's Bank of China, Shaoguan Branch, has facilitated the issuance of agricultural loans amounting to 1.805 billion yuan, representing 48.54% of the total loan amount, benefiting over 5,200 rural households [3]