盘活销售链，数字金融打通下游渠道 建设银行吉林省分行自1999年与中国一汽开启下游融资合作以来，坚持深耕新车库存融资模式创新，为 汽车经销商网络建设与新车流通提供了强有力的金融支持，用数字金融打通下游渠道。 近年来，建设银行吉林省分行以深度的市场调研为基础，以金融科技力量为支撑，结合中国一汽下游产 业链特性，专门搭建了"e销通"备件融资平台，盘活销售链，形成了中国一汽产业链下游业务"整车销售 +售后服务"双轮驱动的经营新业态。截至7月末，建设银行吉林省分行已累计服务下游汽车经销商超千 家，投放信贷资金超7000亿元人民币。 转自：新华财经 在吉林省，汽车产业涉及面广、产业链长、市场规模大，是吉林省经济支柱性产业。当前，长春正向着 万亿级汽车产业集群的目标迈进，而产业的跃迁离不开金融"活水"的滋养。中国建设银行股份有限公司 吉林省分行立足汽车城的产业特色，以打造"全场景、深维度、有温度"的特色金融服务模式为目标，用 实际行动与中国一汽携手共同推进"五篇大文章"落地，成为国内首家打通中国一汽全产业链综合金融服 务的金融机构。 建设银行吉林省分行正以金融之笔，饱蘸初心与智慧，以中国特色金融文化为魂，书写服务实体经济 ...

Core Insights - The article highlights the integration of financial services into the agricultural supply chain in Yunnan's Luliang County, showcasing how Luliang Rural Commercial Bank has injected 366 million yuan into the vegetable industry, connecting 104 cooperatives and 50 enterprises, and supporting 400,000 acres of vegetable planting [1] Group 1: Financial Services in Agriculture - Luliang Rural Commercial Bank has launched the "Colorful Cloud Vegetable Loan" to address the funding needs of vegetable growers, offering credit up to 500,000 yuan per borrower and reducing interest rates by 0.2% compared to standard loans [2] - The bank has established a "special service channel" allowing for loan processing in as little as 30 minutes, enabling quick access to funds for farmers [2] Group 2: Support for Processing Industry - The bank has provided 2.1 million yuan in working capital support to Luliang Canlin Agricultural Development Co., which has transformed from a small processing plant into a comprehensive agricultural enterprise [3] - Financial support from the bank has significantly increased the processing conversion rate of vegetables, turning raw produce into high-value products [3] Group 3: Consumer Experience Enhancement - The implementation of mobile payment systems in local markets has improved the shopping experience for consumers, eliminating the need for cash [4] - The bank's financial scene construction has facilitated the development of a digital ordering system for restaurants, enhancing customer service and operational efficiency [5] - In 2023, the bank's agricultural loan disbursement reached 2.529 billion yuan, with nearly 15% directed towards the entire vegetable supply chain, contributing to rural revitalization [5]

Core Viewpoint - Postal Savings Bank of China in Qitaihe City is actively supporting the spring plowing work by providing financial services across the entire agricultural industry chain, with a total of 556 million yuan in agricultural loans disbursed to 1,034 households during the current spring plowing preparation period [1][2]. Group 1: Financial Support and Loan Adjustments - The bank has significantly reduced the interest rate on agricultural loans from over 5% to 3.4%, thereby lowering financing costs for clients and easing their operational burdens [2]. - This policy has been well-received by large planting households, ensuring that clients with good credit can maintain low financing costs [2]. Group 2: Customer-Centric Services - The bank has segmented the agricultural loan market based on clients' farming situations, offering tailored services such as online applications for small farmers and a combination of online and offline processes for larger clients [3]. - Specialized loan types are provided for specific groups like grain purchasers and cattle breeders, ensuring diverse funding needs are met [3]. Group 3: Technological Empowerment - Starting in Q4 2024, the bank has optimized processes by moving all loan application channels to its WeChat public account and mobile banking app, allowing clients to apply for loans from home [4]. - The bank has reduced collateral requirements, enabling qualified large planting households to receive credit based on trust without needing additional guarantees [4]. Group 4: Risk Mitigation and Client Support - For clients facing temporary repayment difficulties but willing to repay, the bank offers restructuring and extension options to alleviate risks and support normal operations [5]. - The bank has processed loan restructuring for four agricultural clients, amounting to 2.51 million yuan, effectively mitigating client risks [5]. - Mobile business equipment has been provided to customer managers to enhance efficiency in on-site investigations and loan processing [5].