Zhong Guo Jin Rong Xin Xi Wang·2025-10-24 11:54Core Viewpoint - The article highlights the proactive measures taken by the Bank of China Shandong Branch to support the agricultural sector during the critical autumn harvest period, ensuring financial services are effectively provided to secure food safety and enhance grain production efficiency [1][4]. Group 1: Financial Support for Grain Production - The Bank of China Shandong Branch is enhancing credit support for grain-related enterprises, focusing on the entire supply chain from production to trade [1]. - A specific case involves the Dezhou Zhonghang Bank providing a special loan of 6 million yuan to a local agricultural company to purchase large drying equipment, significantly increasing drying capacity and storage capabilities [2]. - The bank's efforts have resulted in a daily drying capacity exceeding 1,000 tons and increased storage from 8,000 tons to 17,000 tons, addressing the storage needs of over 10,000 acres of autumn grain [2]. Group 2: Addressing Financing Challenges - Many grain storage merchants face financing difficulties due to low profit margins and insufficient collateral, leading to limited access to funds during peak harvest seasons [3]. - The Heze Zhonghang Bank introduced a "Grain Storage Loan" to meet the financial needs of local grain merchants, providing 1 million yuan to a prominent grain buyer to facilitate timely purchases [3]. - The Chatou Zhonghang Bank also provided 1 million yuan in just three days to another grain merchant, ensuring sufficient funds for grain purchases [4]. Group 3: Specialized Financial Services - The Shandong Bank is developing tailored financial products to support agricultural production, leveraging local agricultural service enterprises' strengths [5]. - A case study of a large-scale farmer receiving a 1 million yuan credit loan illustrates the effectiveness of these specialized services in ensuring timely procurement of agricultural inputs [6]. - By the end of September, the bank had issued 32 million yuan in loans to 84 farmers under this program, supporting key agricultural activities such as land leasing and equipment upgrades [6].