济南农商银行：金融活水润“三夏”

Core Viewpoint - The article highlights the proactive financial support provided by Jinan Rural Commercial Bank to farmers during the busy summer harvest season, showcasing innovative loan products and digital platforms that enhance agricultural productivity and financial accessibility [1][5][8]. Group 1: Financial Support Initiatives - Jinan Rural Commercial Bank has established a three-tiered service system to address the slow response and accessibility issues in traditional financial services, involving city-level coordination, district-level collaboration, and village-level presence [5]. - The bank has issued a total of 15.2 billion yuan in rural revitalization special loans this year, supporting over 2,000 grain producers and helping more than 4,000 agricultural merchants expand their sales channels [13]. - The bank has successfully provided 8.6 million yuan in credit to 450 agricultural entities through targeted visits, ensuring timely funding for fertilizer purchases and agricultural equipment upgrades [5]. Group 2: Innovative Loan Products - Jinan Rural Commercial Bank has introduced various policy-based interest-subsidized loan products, including "Ludang Huinong Loan," "Jidang Chuangye Loan," and "Jidang Huo Li Loan," to alleviate the financial burdens on agricultural entities [8]. - This year, the bank has issued 25.8 million yuan in "Ludang Huinong Loan" to 34 agricultural operators and 375 million yuan in "Jidang Chuangye Loan" to support 862 entrepreneurs [8]. - The bank has implemented a fast-track credit approval process, ensuring that loan applications, approvals, and disbursements are completed within five working days to meet the urgent funding needs during the summer harvest [8]. Group 3: Digital Platforms and Market Integration - The bank has developed the "Huinong Tong" agricultural product trading platform, facilitating online transactions and improving the efficiency of payment and settlement processes for farmers and buyers [12]. - As of the end of May, the bank has signed over 800 merchants to the "Huinong Tong" platform, facilitating transactions worth 5.9 million yuan [12]. - The collaboration with Kuangshan Agricultural Product Trading Market has enhanced digital service capabilities, providing integrated services that include payment, traceability, and management for over 1,500 merchants, with annual transaction amounts exceeding 450 million yuan [12].