金融+产业+物流 德庆贡柑的 “三位一体”振兴模式

Core Insights - The success of the Deqing Gonggan industry is attributed to its high-quality product endowment and the "finance + industry + logistics" integrated revitalization model, which provides a replicable path for high-quality development in specialty agriculture [1] Group 1: Financial Services - Financial services play a core role as the "funding engine" in the integrated model, with Postal Savings Bank of China (601658) Deqing County branch offering targeted loan products that address the pain points of farmers regarding "difficult and slow financing" [1] - The bank has integrated online approval and credit loans into agricultural production scenarios, significantly improving the efficiency of capital turnover in the industry [1] Group 2: Industry Development - Deqing Gonggan, recognized as a "Yue brand" specialty agricultural product, has achieved scale planting and brand operation with the support of financial services, leading to a steady increase in yield [1] - Individual farms are expected to reach an annual output of 400,000 pounds and sales of 900,000 yuan this year, creating a virtuous cycle of "high quality - high yield - good benefits" [1] Group 3: Logistics Collaboration - Logistics collaboration has effectively addressed the "last mile" issue, with the bank leveraging its unique advantage of "bank + postal logistics" to deeply integrate financial and logistics services [1] - This integration allows farmers to receive financial support while enjoying convenient agricultural product delivery services, establishing a comprehensive ecosystem of "growing well, selling well, and receiving quickly" [1] Group 4: Impact and Reach - By the end of October 2025, the Postal Savings Bank Deqing County branch's model has served over 1,600 agricultural operating entities, with cumulative agricultural loans exceeding 300 million yuan [2] - The model has created a brand reputation of "sending agricultural products through postal services" and "seeking loans from Postal Savings," aligning precisely with the development needs of specialty agriculture [2]