赋能乡村振兴 天津滨海农商银行托起百姓“稳稳的幸福”

Core Viewpoint - The article highlights the significant role of Tianjin Binhai Rural Commercial Bank in supporting rural revitalization and ecological tourism development through targeted financial services and innovative loan products [1][2][3]. Group 1: Financial Support for Rural Revitalization - Tianjin Binhai Rural Commercial Bank provided a financing solution of 240 million yuan within five days to support the transformation of a former mining area into an ecological education and tourism demonstration zone [1]. - The bank has actively engaged in rural tourism development, with a total of 486 million yuan in agricultural loans disbursed in the first half of the year, and a reduction of 93 basis points in new loan interest rates compared to the previous year [3]. - The bank's "Rural Revitalization Loan" initiative has delivered 99.5 million yuan to 24 economic cooperatives for quality seedling procurement, addressing funding needs during the spring farming season [2]. Group 2: Innovative Loan Products - The bank introduced the "Nut Loan" product to support nut processing enterprises, facilitating financing by optimizing collateral requirements and simplifying approval processes [3]. - As of the first half of the year, the bank has provided financing support to 19 nut processing companies, promoting the development of the local nut processing industry cluster [3]. Group 3: Support for Local Agricultural Brands - In the first half of 2025, the bank issued loans totaling 51.79 million yuan to 212 small and micro enterprises related to "Tianjin Agricultural Boutique" brands, and 127 million yuan to well-known agricultural product companies [4]. - The "Industry + Whole Village Credit" model has been implemented, covering 129 villages with a total credit amount of 391 million yuan, fostering collaboration across the agricultural industry chain [4]. Group 4: Financial Services for the Elderly - The bank has established age-friendly service environments in its branches, including facilities for elderly customers and a dedicated hotline for their financial needs [6]. - The bank has launched the "Binhai Accumulation Zero" product to cater to the savings preferences of elderly clients, ensuring their retirement funds grow securely [6]. Group 5: Support for Technological Enterprises - The bank has set up eight technology-focused branches to cater to the diverse needs of startups, growth-stage, and mature enterprises, with a total loan disbursement of 3.582 billion yuan to tech companies in the first half of 2025 [7]. - The bank's loans to specialized and innovative small and medium-sized enterprises increased by 52.09% year-on-year, reflecting its commitment to nurturing technological innovation [7]. Group 6: Financial Performance - As of June 2025, the bank's total assets reached 305.736 billion yuan, an increase of 18.190 billion yuan or 6.33% from the previous year [7]. - The bank's total loan balance was 176.538 billion yuan, with a year-on-year increase of 3.48%, and total deposits reached 240.6 billion yuan, up 5.23% [7]. - The bank reported an operating income of 2.730 billion yuan and a net profit of 541 million yuan in the first half of 2025, reflecting an 18.43% year-on-year growth [7].