邳州农商银行“金融+产业链”赋能乡村全面振兴

Core Insights - The construction of a rural credit system is crucial for rural revitalization and increasing farmers' income, serving as a cornerstone for "three rural issues" [1] - Pizhou Rural Commercial Bank focuses on local economic service, small and micro enterprises, and urban-rural residents, promoting inclusive financial services and exploring a "finance + industrial chain" development model [1] Group 1: Financial Support for Local Industries - Pizhou Rural Commercial Bank has developed specialized credit products tailored to the "Pizhou garlic" industry, addressing financing needs across the entire industry chain, including "Garlic Cultivation Loan," "Garlic Merchant Loan," and "Garlic Processing Loan" [2] - The bank has streamlined loan approval processes and established green lending channels to alleviate financing difficulties for businesses and individual entrepreneurs in the garlic industry [2] Group 2: Inclusive Financial Services - Beyond the garlic industry, the bank extends its financial services to other local specialties such as chicken farming and candied hawthorn, actively participating in initiatives to increase income for farmers and local enterprises [3] - A notable case includes a candied hawthorn producer who, with financial support, increased annual sales from 500,000 yuan to 2 million yuan, creating job opportunities for eight villagers [3] Group 3: Service Innovation - Pizhou Rural Commercial Bank is transforming its branches into comprehensive, intelligent, and scenario-based financial service hubs, enhancing service quality and customer experience [4] - The bank has established a "Small Circle Financial Service Team" to provide home service for clients with special needs, effectively extending services to rural areas [4] - The bank aims to integrate financial services, technological empowerment, industrial support, and cultural cultivation to build a unique rural credit system, continuously injecting new momentum into rural revitalization [4]