乡村振兴添“金”翼！建行山东省分行以创新金融产品赋能齐鲁乡村发展

Core Viewpoint - The China Construction Bank (CCB) Shandong Branch is actively supporting the rural revitalization strategy by providing innovative financial products tailored to the needs of local agricultural industries, thereby enhancing financial services throughout the rural industrial development chain [1][6]. Group 1: Financial Products and Services - CCB Shandong Branch has introduced two key innovative credit products: "Yunong Loan - Qilu Revitalization Loan" and "Grain Storage Loan," aimed at addressing the specific financial needs of local agricultural sectors [1][6]. - The bank is focusing on integrating financial services into the entire agricultural production chain, particularly in regions like Zibo Yiyuan, Jining Jinxing, and Zaozhuang, to foster rural economic growth [1][6]. Group 2: Case Studies in Agricultural Financing - In Yiyuan, the garlic industry, which has a production value of 26 million kilograms annually, faces challenges such as strict storage temperature requirements and unstable garlic prices. CCB has engaged directly with farmers to provide tailored loan solutions and collaborated with agricultural guarantee companies to alleviate financing difficulties [2][6]. - Jining, known as the largest garlic distribution center in China, has over 4,000 purchasing and selling enterprises. The introduction of the "Yunong Loan - Qilu Revitalization Loan" has addressed the financing challenges faced by local garlic enterprises, which traditionally rely heavily on commercial banks [3][4]. - In Zaozhuang, a flour company producing 360,000 tons of flour annually has benefited from the "Grain Storage Loan," which uses the company's grain inventory as collateral, thus addressing seasonal funding pressures [5][6]. Group 3: Future Directions - CCB Shandong Branch plans to continue optimizing its product offerings and deepen cooperation with agricultural guarantee companies to ensure that more rural industries receive precise and efficient financial services, contributing to the vision of a strong agriculture, beautiful countryside, and prosperous farmers [6].