Core Viewpoint - The China Construction Bank (CCB) Shandong Branch is actively supporting the rural revitalization strategy by introducing innovative financial products tailored to local agricultural needs, thereby enhancing the financial services embedded in the rural industrial development chain [1] Group 1: Financial Products and Services - CCB Shandong Branch has launched two key innovative credit products: "Yunong Loan - Qilu Revitalization Loan" and "Grain Storage Loan" to address the specific needs of local industries in areas like Zibo, Jining, and Zaozhuang [1] - The bank is focusing on integrating financial services into the entire agricultural production chain, providing continuous financial support for rural revitalization efforts [1] Group 2: Case Study - Garlic Industry - In Yiyuan County, the garlic industry has a significant annual output of 2.6 million kilograms, with 90% of local households involved in its cultivation, generating a peak trading volume of 2.5 million yuan during the harvest season [2] - CCB has engaged directly with garlic farmers and brokers to understand their challenges, offering tailored loan solutions to alleviate financing difficulties [2] - The introduction of "Yunong Loan - Qilu Revitalization Loan" has facilitated the development of agricultural clusters, enhancing production management and expanding sales channels for garlic [2] Group 3: Case Study - Garlic Supply Chain Financing - Jining Jinxiang is recognized as the largest garlic distribution center in China, with over 4,000 trading companies and an annual transaction volume exceeding 40 billion yuan [3] - The local garlic enterprises face challenges in financing, with over 80% of funding sourced from commercial banks at high-interest rates [3] - CCB has collaborated with local government and agricultural financing companies to create a new credit model that utilizes "cold storage garlic" as a pledge, effectively addressing the financing issues faced by garlic traders [4] Group 4: Grain Security and Financing - In Zaozhuang, a local flour company produces 360,000 tons of flour annually and has been recognized as a national high-tech enterprise, yet it struggles with seasonal funding pressures [5] - CCB Zaozhuang Branch has successfully issued the first "Grain Storage Loan" to support the company during peak wheat purchasing season [6] - The loan is secured against the company's grain inventory, supplemented by guarantees from the actual controllers, thus addressing the issue of insufficient collateral [5] Group 5: Future Outlook - CCB Shandong Branch aims to continue optimizing its product offerings and deepen cooperation with agricultural financing entities to provide precise and efficient financial services to more rural industries [6]
建行山东省分行以创新金融产品赋能齐鲁乡村发展