“不用出村就能搞定贷款”，桂林银行四级网络“滴灌”乡土丨五篇大文章调研行

Core Viewpoint - The article highlights how Guilin Bank is leveraging its financial services to support the mango industry in Baise, Guangxi, thereby contributing to rural revitalization and poverty alleviation efforts in the region [2][15]. Group 1: Financial Services and Rural Revitalization - Guilin Bank has established a four-level service network ("city-county-town-village") to create a "financial+" ecosystem that supports rural revitalization, particularly in the mango industry [2][18]. - The bank's rural inclusive financial service points have significantly improved access to financial services for local farmers, allowing them to obtain loans conveniently without traveling long distances [3][6]. - As of June 2023, Guilin Bank's credit balance for mango industry clients reached 62.76 million yuan, benefiting 714 farmers and enterprises, with 54.26 million yuan in credit loans accounting for 86% of the total [17]. Group 2: Impact on Local Farmers - The mango industry in Baise has helped 52,000 impoverished households escape poverty, impacting over 200,000 people [5]. - Farmers like Lu Keli have benefited from the bank's services, which have alleviated their financial burdens related to purchasing fertilizers and hiring labor [5][6]. - The establishment of service points has enabled farmers to apply for loans quickly, with some receiving funds on the same day they inquire [6][8]. Group 3: Collaboration with Local Enterprises - Guilin Bank plays a crucial role in supporting local enterprises like Funong Agriculture, which is a leading player in the mango industry, by providing efficient loan services [9][11]. - The bank has tailored financing solutions for companies like Shanguo Food, which face unique challenges due to their business models, allowing them to leverage intellectual property for funding [14]. - The bank's collaboration with local enterprises has led to job creation for over 60 impoverished households and has supported the development of a high-quality mango industry in the region [17][18]. Group 4: Strategic Alignment with Policy - The implementation of the "Baise Mango Industry Development Regulations" in 2024 encourages financial institutions to provide tailored financial products for the mango industry, aligning with Guilin Bank's service offerings [15]. - The bank's focus on understanding the characteristics of the mango industry has allowed it to develop a credit and risk control system that meets the specific needs of local farmers and enterprises [17]. Group 5: Growth and Future Prospects - Since committing to rural revitalization, Guilin Bank's asset scale has grown from over 300 billion yuan to over 500 billion yuan, ranking 268th among the "Global Top 1000 Banks" [18]. - The bank's services not only enhance the mango industry's growth but also contribute to the broader goal of achieving common prosperity for local farmers [18].