Core Viewpoint - Hai'an Rural Commercial Bank emphasizes its commitment to supporting local development through precise loans and attentive services, rooted in its historical legacy and red gene spirit [1][2][14]. Group 1: Historical Context and Growth - Established 73 years ago, Hai'an Rural Commercial Bank has evolved from a local credit cooperative to a modern commercial bank with total deposits and loans exceeding 150 billion yuan [1]. - The bank has received over 300 honors at national, provincial, and municipal levels, reflecting its trust from the government and recognition from the market [1]. Group 2: Red Spirit and Community Engagement - The bank integrates red spirit into its services, creating innovative service models that enhance community engagement and support local development [2]. - Initiatives include building red-themed educational sites and providing financial services directly to communities, such as mobile banking services [2][4]. Group 3: Targeted Financial Products - Hai'an Rural Commercial Bank has developed specialized loan products for key demographics, including veterans, returning youth, and unemployed individuals, to support their entrepreneurial efforts [3]. - The "Embrace the Army Loan" and "New Farmer Elite Loan" have successfully provided substantial funding to help individuals start businesses and create jobs [3]. Group 4: Financial Support for Local Industries - The bank plays a crucial role in local industrial upgrades by offering tailored financial solutions throughout the business lifecycle, from startup to maturity [5][6]. - It has implemented a "chain-based" financial service model to meet the financing needs of various sectors, ensuring that financial resources are effectively allocated along the industrial chain [7]. Group 5: Cost Reduction and Efficiency - The bank focuses on reducing costs for enterprises by offering various loan products and lowering interest rates, thereby enhancing operational efficiency [8]. - It has streamlined loan approval processes, significantly reducing the average approval time to support businesses in a competitive market [8]. Group 6: Rural Revitalization Efforts - Hai'an Rural Commercial Bank is committed to rural revitalization by providing accessible financial services to farmers, enabling them to secure loans easily [9]. - The bank has established a comprehensive credit system that covers all administrative villages, allowing farmers to access loans through mobile banking [9]. Group 7: Support for Specialty Industries - The bank supports local specialty agriculture by creating tailored financial service models for key agricultural products, ensuring stable supply and market expansion [10]. - It has provided significant funding to various agricultural enterprises, facilitating their growth and technological advancements [10]. Group 8: Social Responsibility and Community Support - The bank actively participates in social welfare initiatives, contributing over 300 million yuan to charitable causes and establishing support stations for outdoor workers [14]. - It has implemented programs to assist vulnerable groups, including children and the elderly, demonstrating its commitment to community welfare [14]. Group 9: Workforce Development - Hai'an Rural Commercial Bank invests in employee training and development, focusing on enhancing skills related to customer service and financial products [13]. - The bank promotes a culture of continuous learning and community engagement among its staff, ensuring they are well-equipped to meet local needs [13].

Core Viewpoint - The article highlights the role of Huian Rural Credit Union in supporting local industries through innovative financial products and services, fostering economic growth and development in the region. Group 1: Financial Support and Services - Huian Rural Credit Union has provided over 39.8 billion yuan in credit to more than 2,100 local enterprises by June 2025, focusing on three major industrial clusters and small businesses [1] - The "Chain Easy Loan" product has enabled local businesses to acquire automated equipment and expand production capacity, exemplified by a school uniform factory doubling its output after receiving 300 million yuan in loans [2] - The union has established a comprehensive financial service ecosystem by integrating various financial products tailored to different stages of enterprise growth, including "Policy Financial Package" for startups and "Specialized and Innovative Loans" for leading enterprises [2][3] Group 2: Strategic Partnerships and Collaborations - Huian Rural Credit Union has signed strategic cooperation agreements with 13 local organizations, including the Huian County Government, to enhance financial support for local industries, with a total credit exceeding 8 billion yuan [4] - The establishment of the "Farming and Business Home" platform has facilitated credit access for 51 enterprises, amounting to 1.31 billion yuan, demonstrating the union's commitment to community engagement [3][4] - The union has also collaborated with various government departments to create a "Service Station" for veterans, providing specialized loans and support for veteran entrepreneurs [10][11] Group 3: Innovation and Technology - Huian Rural Credit Union has supported the transformation of traditional industries into high-tech enterprises, such as a local company that evolved from a workshop to a national high-tech enterprise with the help of 200 million yuan in loans [6] - The union has promoted the use of knowledge property as collateral for loans, issuing 1.35 billion yuan in intellectual property pledge loans to enhance the value of local innovations [7] - The "1+N" service model has been instrumental in driving the digital transformation of local industries, with significant investments in automation and technology upgrades [6][13] Group 4: Market Expansion and Community Engagement - The union has actively engaged in outreach programs, visiting over 39,000 market entities to assess financing needs, resulting in credit approvals totaling 10.23 billion yuan [14] - Through various promotional events and online sales initiatives, the union has facilitated the sale of local products, generating significant revenue and increasing community participation [8] - The establishment of micro-loan centers has focused on serving small and micro enterprises, with 6.04 billion yuan in new loans issued since their inception [8][14]