"要不是齐商银行这笔贷款，我这扩场的事儿就得卡壳，还得连累下游的供货。"看着养殖场里扩建好的 驴棚和新添的三十多头驴，周村宇然养殖场的负责人石垒终于松了一口气。日前，在齐商银行周村支行 的信贷支持下，他不仅顺利补上了30万元的资金缺口，更凭借财政贴息政策有效降低了融资成本。 石垒的养殖场位于周村，主要向周边餐馆及加工厂供应驴肉。往年养殖场年收入稳定在30万元左右，经 营状况良好。今年以来，受市场行情影响，驴肉价格持续走高，原驴供应趋紧。石垒敏锐地察觉到发展 机遇，决定扩建养殖区、扩大养殖规模，以承接更多订单。尽管前期已投入大量积蓄，但在关键时刻仍 面临30万元的资金缺口。 "正在为钱发愁的时候，齐商银行周村支行的客户经理主动找上门了。"银行工作人员实地考察了养殖场 的存栏情况与订单实绩后，结合石垒的实际需求，现场为他匹配了"个人创业担保贷款"产品。该贷款享 受财政贴息，综合融资成本显著低于普通贷款。借助支行开辟的"绿色审批通道"，这笔贷款迅速完成审 批并发放到位。 资金注入后，养殖场很快新建两座驴棚，又买了30多头驴，预计收入能增长三成多。 如今，石垒的养殖场内存栏肉驴已达86头，饲料储备充足。在这片热热闹闹 ...

Group 1 - The core viewpoint of the news is the successful issuance of Dalian's first personal "Entrepreneurship Guarantee Loan" by China Construction Bank, which supports local farmers like Xiao He in expanding their businesses [1][2] - The loan program targets key employment groups, including unemployed individuals, veterans, and rural entrepreneurs, with a maximum loan amount of 300,000 yuan and a repayment period of up to 3 years [2] - The bank's initiative reflects its commitment to social responsibility and support for the real economy, aligning with national policies to foster entrepreneurship [2] Group 2 - The loan provided to Xiao He was 100,000 yuan, which significantly aids in upgrading his grape cultivation business [1] - The bank plans to enhance financial services and collaborate with government departments to improve efficiency and support more entrepreneurs in Dalian [2] - The program includes a 50% interest subsidy from the financial department, reducing the repayment burden on entrepreneurs [2]