兴业银行济南分行以金融活水精准灌溉乡村振兴沃土

Core Viewpoint - The article emphasizes the role of Industrial Bank's Jinan branch in supporting the "vegetable basket" project through innovative financial services tailored to the agricultural sector, addressing financing challenges faced by agricultural enterprises [1][4]. Group 1: Financial Innovation and Support - The Jinan branch of Industrial Bank has developed the "Xing Shandai" product to provide customized financial solutions for agricultural enterprises, specifically addressing the liquidity issues faced by a wheat processing company during the summer grain procurement period [2]. - The bank provided a credit limit of 40 million yuan for the wheat processing company and an additional 28.6 million yuan through "Xing Shandai" loans to 11 upstream small and micro enterprises, showcasing a rapid response to financing needs [2]. - The product is characterized by its online, efficient, and low-cost features, allowing for loan approval and disbursement within one week, thus alleviating financial pressure on the supply chain [2]. Group 2: Enhancing Agricultural Financial Services - Industrial Bank's Jinan branch has been enhancing its agricultural financial services by focusing on three key areas: product innovation, service timeliness, and cost reduction [3]. - The bank has introduced various financial products, including "Xing Shandai," to meet the short-term and urgent financing needs of agricultural enterprises across the entire supply chain from planting to processing and sales [3]. - Digital tools have been utilized to streamline business processes, enabling online applications, automatic approvals, and quick disbursements, allowing enterprises to access credit support without leaving their premises [3]. - The bank has also reduced financing costs for agricultural enterprises by waiving multiple service fees, thereby easing their financial burdens [3]. Group 3: Commitment to Rural Revitalization - The "vegetable basket" project is crucial for public welfare and rural revitalization, and the Jinan branch of Industrial Bank is committed to empowering agricultural modernization through financial innovation [4]. - The bank aims to extend its services through an industrial chain financial model, contributing to the establishment of a robust safety net for public welfare and supporting rural revitalization efforts [4].