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 introducing innovative financial products tailored to the needs of local agricultural industries, thereby enhancing financial services throughout the rural industrial development chain [1][5]. Group 1: Financial Innovation and Support - CCB Shandong Branch has launched two key financial products: "Yunong Loan - Qilu Revitalization Loan" and "Grain Storage Loan," aimed at addressing the specific needs of local agricultural sectors in areas like Zibo, Jining, and Zaozhuang [1][5]. - The bank is embedding financial services into the entire agricultural production chain, providing continuous financial support to foster rural revitalization [1][5]. Group 2: Case Study - Garlic Industry - In Yiyuan County, the garlic industry has a significant annual output of 26 million kilograms, with 90% of local farmers engaged in garlic cultivation, generating peak transaction values of up to 2.5 million yuan [2]. - CCB has addressed the financing challenges faced by garlic farmers by offering tailored loan solutions and collaborating with agricultural guarantee companies to facilitate bulk credit [2][3]. - The introduction of "Yunong Loan - Qilu Revitalization Loan" has been pivotal in alleviating the financing difficulties of garlic producers, enabling them to expand production and improve market influence [3][4]. Group 3: Case Study - Grain Security - A flour company in Zaozhuang, recognized as a national high-tech enterprise, produces 360,000 tons of flour annually but faces seasonal funding pressures during the wheat harvest [5][6]. - CCB Zaozhuang Branch successfully issued the first "Grain Storage Loan" to this company, using its grain inventory as collateral, thus addressing the issue of insufficient guarantees [5][6]. - The loan not only filled the seasonal funding gap but also innovated the collateral model in the grain industry, reinforcing food security and stabilizing supply [6]. Group 4: Future Outlook - CCB Shandong Branch aims to continue optimizing its product offerings and deepen cooperation with agricultural guarantee companies, ensuring that more rural industries benefit from precise and efficient financial services [6].