近年来，山东省将特色产业培育作为推动民营经济高质量发展的重要抓手，聊城当地政府更是聚焦"中 国轴承之乡" 临清市的产业优势，出台多项政策支持轴承产业集群升级，从产业链整合、技术创新扶持 到营商环境优化，持续为轴承企业纾困赋能。齐鲁银行聊城分行积极响应山东省委省政府 "金融赋能特 色产业"的部署要求，以党建为统领，深度践行金融服务"五篇大文章"，创新"党建+产业+金融"服务模 式，推出"轴承村居贷"等定制化产品，精准对接临清轴承产业融资需求，成为地方政府推动特色产业发 展的重要金融合作伙伴。 临清奥富特轴承有限公司的转型之路，是政企银协同服务民营企业的典型案例。在聊城当地政府推动轴 承产业"智能化改造"的政策引导下，该企业计划引进数控磨床却因无抵押、应收账款周期长，面临200 万元资金缺口。齐鲁银行临清支行在政府组织的"银企对接会"上获悉企业困境后，量身定制"轴承村居 贷"方案，在短时间内完成180万元放款。"有政府政策指引，有银行资金支持，我们才敢投入技改，现 在产品精度能跟进口设备媲美。"企业负责人李荣亮感慨道，如今企业生产线升级，已成为当地政府重 点扶持的"专精特新"培育对象。 为深化与地方产业政策的衔接 ...

Core Insights - The apple industry in Jingning County, Gansu Province, is a pillar for local economic development, supported by a successful "insurance + futures" project that has been cultivated over eight years by the Zhengzhou Commodity Exchange, the local government, and Galaxy Futures [1][2] - The project has provided a solid guarantee for farmers to mitigate risks and stabilize income, marking a new phase of high-quality development [1] - Galaxy Futures aims to deepen the "insurance + futures + N" model to enhance risk prevention systems and promote industry efficiency, farmer income, and transformation [1] Summary by Sections Project Development and Impact - The "insurance + futures" project has served 62,400 farmers, including 17,500 impoverished households, covering 332,300 tons of apples with a project amount of 2.631 billion yuan and total compensation of 143 million yuan [1] - The compensation rate for 2024 reached 176.19%, the highest among similar projects nationwide [1] Financial Empowerment and Industry Upgrade - The price discovery function of apple futures has enhanced farmers' bargaining power, while the delivery standards have improved the standardization of apple cultivation, sorting, and storage [2] - The local government is leveraging capital market advantages to optimize the "financial + industry" model, aiming for high-quality development across the entire industry chain [2] Future Plans - The 2025 "insurance + futures" project will remain the only brand project of Zhengzhou Commodity Exchange in Gansu, maintaining a premium scale of 20 million yuan, expected to cover 50,000 acres and benefit around 20,000 farmers [2]