邮储银行泸州市分行 为打造世界级白酒产业集群注入金融动能

Group 1: Industry Development - The liquor industry in Luzhou, Sichuan Province is expanding from planting and brewing to a full industry chain model integrating culture and tourism [1] - Postal Savings Bank of Luzhou is actively engaging in local industry layout, using "industrial chain finance" to address financing challenges for growers, liquor companies, and distributors [1] Group 2: Raw Material Procurement Challenges - The core raw material for sauce liquor production, Hongyingzi glutinous sorghum, faces procurement challenges due to seasonal cash flow pressures for suppliers [2] - A supplier experienced a 15% increase in order volume for the 2024 autumn harvest but faced a funding gap of several million yuan, highlighting the urgency of timely financing [2] - Postal Savings Bank provided a quick loan of 1 million yuan to the supplier, enabling successful procurement within a critical timeframe [2] Group 3: Supporting Liquor Enterprises' Capacity Upgrades - A modern project at Sichuan Provincial Liquor Group's Yongle Sauce Liquor Base, with a total investment of 3.2 billion yuan, is under construction to enhance production capacity [3] - Postal Savings Bank customized financing solutions for this project, facilitating a fixed asset loan of 330 million yuan, with 267 million yuan disbursed to date [3] - The project is expected to create 415 new jobs and expand surrounding sorghum planting bases by 30,000 acres [3] Group 4: Addressing Distributor Financing Issues - Traditional financing models have left downstream distributors of Luzhou Laojiao struggling with seasonal inventory funding shortages due to lack of collateral [4] - Postal Savings Bank launched "Industrial e-loan," linking directly with Luzhou Laojiao's platform to provide credit based on real trade orders, enabling rapid loan disbursement [4] - By March 2023, the bank had provided 130 million yuan in financing to over 400 distributors, resulting in a 10% year-on-year increase in procurement within the industry chain [4]