Xiangyang Rural Commercial Bank has been widely recognized by the municipal party committee, the municipal government and all walks of life in serving the regional economic development, and ranked first in the public service industry in the evaluation of democratic political style from 20 10 to 20 12 for three consecutive years. Xiangyang Rural Commercial Bank, "agriculture, countryside and farmers" and small and medium-sized enterprises have long-term cooperation, mutual support and sharing weal and woe. As an independent local corporate bank, Xiangyang Rural Commercial Bank has obvious comparative advantages:

Advantage 1: outlets are all over urban and rural areas. Xiangyang Rural Commercial Bank has 57 business outlets, covering five major urban areas in Xiangyang, with 620 employees. It is a financial institution with the largest number of outlets, the largest number of personnel and the widest range of services.

Advantage 2: Short decision radius. Xiangyang Rural Commercial Bank is a corporate bank, which can independently decide, approve and issue a single loan of 80 million yuan and a group customer of 65.438+200 million yuan within the capital constraints. The demand for large loans can be distributed in groups in six county banks within its jurisdiction, and the amount of single-family loans can reach 300 million yuan, which can organize large-scale loans throughout the province.

Advantage 3: The credit scale is abundant. Xiangyang Rural Commercial Bank mainly serves agriculture, rural areas and farmers, small and medium-sized enterprises and regional economy, with unlimited credit scale.

Advantage 4: Rich financial products. Xiangyang Rural Commercial Bank provides more than 30 kinds of loans, such as micro-credit loans for farmers, fixed assets mortgage loans, warehousing pledge loans, joint guarantee loans for members of rural professional organizations, revolving loans for corporate customers, and loans guaranteed by guarantee companies. Handling the issuance of bank acceptance bills and bill discounting business can meet customers' all-round and multi-level financing needs.

Advantage 5: Independent design of credit products. As an independent legal person, Xiangyang Rural Commercial Bank can independently design financial products according to regional economic characteristics and customer needs. Professional market merchants' own joint guarantee loans, park factory mortgage loans and park enterprises' joint guarantee loans are widely used in large professional markets such as Changhong Food City and Guang Cai Industrial Park, which have become powerful promoters of market prosperity and development; "1+N" financing mode can provide customers with "package" services, effectively integrate and maximize the use of customers' various resources, and solve customers' mortgage problems.