JRCB(SZ:002807)2022-11-17 14:42Group 1: Business Overview - Jiangyin Bank's inclusive small and micro business development is closely linked to the economic characteristics of Jiangyin, known as "China's manufacturing first county" with over 200,000 market entities and more than 70,000 enterprises [2] - The region hosts 11 companies in the China Top 500, 13 in the China Private Enterprises Top 500, and 15 in the China Manufacturing Top 500, with over 2,000 regulated enterprises [2] Group 2: Business Strategy - The bank has adopted a large inclusive concept, increasing efforts in retail transformation and actively expanding loans below 10 million yuan for small and micro enterprises and individuals [2] - Supply chain finance is developed by targeting upstream and downstream small and micro enterprises linked to large enterprises, ensuring smooth funding flow and a closed-loop support system for loan funds [2] Group 3: Cost Control Measures - The bank enhances digitalization of counter services, reallocating staff to small and micro customer management roles without increasing personnel, effectively saving labor costs [2] - There is a strong push for online loan development to significantly reduce operational costs [2]