赋能乡村产业发展 紫金农商银行瞄准"三农"领域核心需求，精准发力。深耕主体，全面走访。对省农业农村厅下发的3289 户苏农贷新型农业经营主体及26.6万农户进行"地毯式"走访，实现全覆盖，精准掌握需求。积极参 与"科金兴农"对接活动，打造全产业链服务模式，已对260户产业链企业授信，放贷6.8亿元。力挺项 目，夯实根基。积极对接南京市重大农业农村项目，投放贷款4.2亿元。支持基本农田和高标准农田建 设，发放贷款2.2亿元，筑牢粮食生产根基。围绕春耕备耕、"三夏"等关键农时，投放2.4亿元贷款，保 障粮食生产信贷需求强化与种业企业合作，种业贷款余额1亿元，助力种业高质量发展。 多元服务提质效， 提升乡村幸福指数 作为扎根地方的金融主力军，紫金农商银行始终将服务"三农"作为立行之本、发展之基，以金融活水精 准浇灌广袤乡村。截至2025年9月，该行普惠型涉农贷款余额达36.59亿元，较年初增长2.11亿元，增速 达6.12%，高于全行贷款平均增速，交出了一份助力乡村振兴的亮眼答卷。 构筑高效服务链， 疏通"三农"融资血脉 为打通金融服务"三农"的"最后一公里"，紫金农商银行着力构建高效、便捷的服务体系。专设机构，精 ...

多元服务提质效，提升乡村幸福指数。该行不断创新服务模式，延伸服务触角，提升"三农"获得感和幸 福感。整村授信，服务下沉。基于大数据与实地评议，完成463个村社整村授信，建档525.52万户，累 计放贷20.67亿元。推行"驻村工作制"，每个村社常驻不少于2人，确保金融服务扎根乡村。普惠网点， 全域覆盖。建成并优化384家普惠金融服务点，实现涉农村社全覆盖，2025年以来办理业务41.3万笔。 积极拓展"政务通办"功能，300家服务点实现"农商.苏服办"功能；350家完成数字人民币服务点升级。 创新赋能，拓宽销路。打造线上直播新业态，搭建"紫金优选"直播平台，累计开展助农直播22场，观看 人次247万，销售商品超2.4万件，销售额超374万元。创新开展异业联盟，将营业场所变身"助农特卖 场"，为涉农商户开辟销售新渠道。 未来，紫金农商银行将持续坚守服务"三农"初心，聚焦重点领域和核心客群，在体制机制上持续优化， 在产品服务上不断创新，在服务模式上精益求精，为绘就农业强、农村美、农民富的乡村振兴美好画卷 贡献金融力量。冯旭邵磊 作为扎根地方的金融主力军，紫金农商银行始终将服务"三农"作为立行之本、发展之基，以金融 ...

Core Viewpoint - Zijin Rural Commercial Bank emphasizes its commitment to serving the "three rural issues" (agriculture, rural areas, and farmers) as the foundation of its operations and development, achieving a significant increase in inclusive agricultural loans to support rural revitalization [1] Group 1: Financial Performance - As of September 2025, the bank's inclusive agricultural loan balance reached 3.659 billion yuan, an increase of 211 million yuan from the beginning of the year, representing a growth rate of 6.12%, which is higher than the average growth rate of the bank's loans [1] Group 2: Service System Development - The bank has established a specialized "Three Rural Center" to coordinate agricultural financial services and tailor financial solutions for agricultural stakeholders [2] - A comprehensive product matrix centered around the "Jinling Huinong Series" has been developed, covering various loan products, with a cumulative balance of 4.77 billion yuan as of September 2025 [2] - The approval process for agricultural loans has been significantly streamlined, with loans under 10 million yuan approved within one day and online processing for loans under 300,000 yuan [2] Group 3: Support for Agricultural Development - The bank has conducted extensive outreach to 32,89 new agricultural operating entities and 266,000 farmers to accurately assess their needs [3] - It has provided credit to 260 industrial chain enterprises, amounting to 680 million yuan, and supported major agricultural projects in Nanjing with loans totaling 420 million yuan [3] - Loans of 220 million yuan have been issued to support the construction of basic and high-standard farmland, reinforcing the foundation for food production [3] Group 4: Enhancing Rural Quality of Life - The bank has completed whole-village credit assessments for 463 villages, covering 5.2552 million households, with total loans amounting to 2.067 billion yuan [4] - It has established 384 inclusive financial service points, achieving full coverage of rural communities, and processed 413,000 transactions since 2025 [4] - The bank has launched an online live-streaming platform, "Zijin Youxuan," conducting 22 live-streaming events with 2.47 million views and sales exceeding 3.74 million yuan [4]