时下，又到了"三夏"时节，齐鲁大地麦浪翻滚、遍地金黄，山东夏粮主产区陆续迎来小麦收获季。 作为农村金融主力军，山东省农信联社指导全省农商银行坚守支农支小市场定位，在农忙时节组织"红 马甲"金融服务队走村入户，将信贷支持、惠农政策、志愿服务、反诈知识等送到田间地头，全力以赴 助力百姓开好夏收"第一镰"、种好夏种"第一种"、做好夏管"每一环"。 "农户辛苦一季就盼着卖粮换钱，必须保证现金充足，这样才能确保'粮出手，钱到手'。"临沭县大兴镇 大坡西村收粮大户李圣平说，此前，他通过"沂蒙云贷"线上平台申请贷款，当天50万元资金就到位了。 "有了银行的资金支持，我每天能收粮50吨以上，农户卖粮不用等。"李圣平说。 及早投放 助力夏收颗粒归仓 "集中收粮的时候，每天能收2000吨—3000吨，周转资金在600万元左右。这时候最担心的就是手里的资 金出现短缺，影响粮食的收购。"广饶县收粮户徐祥宾告诉记者。 智慧收款 助力粮款快捷直达 徐祥宾经营粮食收购已有10多个年头，每年粮食收购时节，广饶农商银行客户经理都会提早与他对接， 询问资金需求情况，提前办理信贷手续，今年已为徐祥宾发放了700万元粮食收购贷款。 据介绍，针对夏收 ...

在田间地头，工作人员将一瓶瓶清凉的矿泉水递到满脸汗水的农民手中，细心地把毛巾递给他们擦 汗。"真是太感谢农商银行了，这大热天的，送来的这些东西太实用了。"一位正在沂河淌收割小麦的大 爷感动地说。每一份物资，都饱含着该行对农民的深切关怀，也进一步拉近了银行与百姓之间的距离。 针对夏收夏种资金需求急的特点，该行以客户需求为导向，主动靠前服务。47家支行组织"金融服务 队"携带移动设备深入社区村庄，为农户提供上门服务，解决"三夏"生产中的资金难题。从田间地头到 粮食仓库，从农机作业现场到资金流转后方，为守护粮食安全、推进乡村振兴提供了可持续的金融支 撑。该行将农资销售作为贷款营销重点，组织各支行客户经理对农资经销商进行逐户走访对接，精准摸 排经营状况、设计融资方案，针对不同规模经销商提供差异化信贷支持，确保化肥、农药等农资供应充 足。同时，该行开辟信贷绿色通道，按照"一户一策一方案"的原则，对粮食种植、收购、农机购置等关 键领域实行"优先受理、优先审批、优先放款"。此外，该行持续大力推广线上业务，确保资金实时到 账，为种粮大户保丰收提供有力支持。 盛夏时节，沭阳大地麦浪滚滚，一片金黄，处处洋溢着丰收的喜悦。然而，炎 ...

"有了这笔钱，2000亩小麦能按时颗粒归仓了！"看着联合收割机在麦田里来回穿梭，家庭农场主刘先生 满脸洋溢着喜悦。该行充分发挥"网点多、辐射广、服务优"的独特优势，不断创新信贷产品，真正让百 姓能够"随心贷"。他们因地制宜，针对不同农户的需求，推出了一系列特色信贷产品。同时，优化信贷 审批流程，做到农户随到随办、快审快放，让金融活水能够迅速精准地流向田间地头，助力农户实现丰 收的梦想。 暖服务：科技助农，精准服务到田间 该行的26家网点全面做好现金供应、零币兑换等基础工作，加强对自助设备、智慧柜员机的运营维护， 确保设备始终处于良好的运行状态。全力满足客户大额转账、取款、支付等多样化的金融需求，扎实做 好夏粮收购现金支取和回笼工作，真正做到让农民"粮出手、钱到账"。 齐鲁晚报.齐鲁壹点李可通讯员孙阳阳 "这50万元贷款到账太及时了，正好能买新收割机抢收小麦！"种粮大户邵先生盯着手机银行的到账信 息，长舒了一口气，紧锁的眉头也随之舒展开来。眼下，正值"三夏"生产的关键时期，广袤的田野里一 片繁忙景象，成武农商银行以"信贷+服务"的有力组合拳，为夏收、夏种、夏管注入源源不断的金融活 水。 早谋划：织密"三夏"信贷 ...

Core Viewpoint - The article highlights the proactive role of Binzhou Rural Commercial Bank in supporting agricultural production during the summer harvest season by providing timely financial services and loans to farmers and grain merchants [1][5]. Group 1: Financial Support for Farmers - Binzhou Rural Commercial Bank has implemented an "early investigation, early connection, early credit" mechanism to meet the financial needs of farmers ahead of the harvest season [2]. - The bank provided a specialized loan of 100,000 yuan to a local farmer for upgrading his harvesting equipment, significantly improving his operational efficiency [2]. - The bank has launched targeted loan products such as "Agricultural Production Operating Loan" and "Assistance Loan" to simplify processes and ensure quick access to funds for farmers [2]. Group 2: Promotion of Financial Products - The bank has established a comprehensive online and offline promotional network to disseminate information about agricultural policies and loan products, ensuring farmers are well-informed [3]. - A farmer successfully obtained a 200,000 yuan loan through the bank's online platform, which was processed in just one day, demonstrating the efficiency of the bank's services [3]. - The bank actively promotes its "Huibinzhou Credit Fast Loan," which is a convenient, no-collateral online loan product, to meet the urgent funding needs of farmers during the harvest season [3]. Group 3: Support for Grain Merchants - Binzhou Rural Commercial Bank has created a "Summer Grain Purchase Credit Whitelist" system to facilitate quick loan approvals for reputable grain merchants [4]. - A grain merchant received a loan of 3 million yuan within 48 hours due to the bank's expedited loan processing system, allowing him to purchase grain from local farmers promptly [4]. - The bank's financial services ensure that farmers receive timely payments for their grain sales, thereby enhancing the overall efficiency of the grain purchasing process [4]. Group 4: Overall Impact - As of now, Binzhou Rural Commercial Bank has disbursed loans related to summer grain purchases to over 437 households, totaling 248 million yuan, contributing significantly to the region's agricultural success [5]. - The bank's efforts have ensured a smooth operation of the summer grain purchase chain, benefiting both farmers and grain merchants [5].