转自：新华财经 未来，邮储银行青岛分行将继续打磨服务细节，让金融不仅是资金支持，更成为个体工商户敢闯敢干 的"底气"，为青岛经济的"烟火气"注入更持久的生命力。（蒋芳） 编辑：赵鼎 以"靶向劲"破解发展痛点，让资源对准商户真需求。个体工商户需求多元，"一刀切"的服务模式难以适 配。邮储银行青岛分行将"政银联动"作为破局关键，各支行行长每月带队走访市场监管局、工商联、行 业协会，既精准把握最新产业政策，又收集优质商户名录，告别"大海捞针"式盲目营销。在此基础上， 该行以二级支行为单位深耕重点市场及网格特色行业，实施差异化服务策略。针对餐饮服务类商户现金 流高频、季节性波动大、缺乏抵押、用款急的特点，匹配纯信用"产业贷"，单户最高授信可达100万 元，且支持随借随还；面对零售批发类商户存货周转快、账期不稳、融资成本敏感的问题，提供供应链 金融支持，搭配零手续费聚合支付服务。 以"渗透劲"打通宣传链路，让政策走进商户视野。邮储银行青岛分行将线下场景作为宣传主阵地，善于 借"外力"搭平台：一方面依托政府资源，在市场监管部门、工商联举办的商户培训会上，把专业金融政 策转化为"商户听得懂的干货"；另一方面借助商户力量，通 ...

Core Viewpoint - The transformation of Postal Savings Bank's Henan branch demonstrates that bank branches are evolving into community hubs that integrate cultural, health, and service elements, rather than disappearing in the face of digital finance [1][4]. Group 1: Cultural Empowerment - The bank's branches are designed to reflect local culture, such as the jade culture exhibition in Shifosi Town, which enhances customer experience and builds trust through personalized services [2][3]. - A unique gift, like a jade pendant, can foster customer relationships and lead to financial solutions, exemplifying the warmth of financial services [2]. Group 2: Service Enhancement - The bank is shifting from merely conducting transactions to enhancing customers' lifestyles, offering health services alongside financial products, which has positively impacted over 600 residents [4]. - The transformation of branches into community service centers reflects a strategic response to industry changes and customer needs [4][5]. Group 3: Industry Integration - Postal Savings Bank aims to position its branches as key nodes in the local economy, providing tailored financial products that address specific industry needs, such as traditional Chinese medicine [6]. - The bank's initiatives, like themed credit cards, link local craftsmanship with financial services, promoting regional economic development [6]. Group 4: Technological Integration - The bank is implementing a hybrid model of service that combines technology and human interaction, enhancing operational efficiency while maintaining a personal touch [7]. - The integration of smart technologies aims to create a seamless customer experience, ensuring that financial services remain accessible and responsive to community needs [7].

Core Insights - Postal Savings Bank of China Hubei Branch is actively supporting rural revitalization through financial services, with a focus on agricultural financing and innovation in financial products [1][8] - The bank has established 19,600 credit villages and has a rural credit scale exceeding 90 billion yuan, with over 100 billion yuan in loans allocated to key agricultural sectors by August 2025 [1] Group 1: Agricultural Financing - Hubei Province is experiencing a bumper rice harvest, and Postal Savings Bank's financial services are addressing funding shortages during the autumn grain purchasing season [2] - The bank has provided 378 million yuan in loans to the Xiangyang Green Valley Feng Modern Agricultural Cooperative, which has developed into a large agricultural entity covering 3,500 acres [2] - The bank's Xiangyang branch has issued over 700 million yuan in loans to the grain purchasing industry this year, serving more than 590 grain purchasing clients [3] Group 2: Support for Aquaculture - Hanchuan, known for its river crab production, has seen over 120 tons of crabs shipped daily, with the Postal Savings Bank providing crucial financial support to local aquaculture [4] - The bank has issued over 31 billion yuan in loans to the aquaculture sector, demonstrating its commitment to enhancing the quality of life in rural areas [5] Group 3: Innovative Financing Models - The bank has introduced the "Two Agricultural Credit Value Loan" model in Jingmen City, focusing on rice and poultry industries to support stable agricultural development [6] - This model evaluates agricultural entities based on credit records and asset values, allowing for differentiated loan amounts and promoting a credit-based financing approach [7] - Since the pilot launch, the Jingmen branch has issued 326 loans totaling 159 million yuan under this new model [7]

Core Insights - The Postal Savings Bank of China (PSBC) in Ganzhou, Jiangxi, has significantly increased its support for small and micro enterprises through innovative financial products and services, resulting in a total loan issuance exceeding 210 billion yuan as of September 2023 [1][2]. Group 1: Financial Support and Loan Issuance - As of September 2023, PSBC's Ganzhou branch has issued over 210 billion yuan in loans, with a loan balance of 42.1 billion yuan, and a remaining balance of over 12.5 billion yuan in loans for small and micro enterprises [1]. - The branch has provided loans to over 1,500 enterprises, with a total of more than 21 billion yuan in loans for small and medium-sized enterprises [2]. Group 2: Tailored Financial Services - PSBC's Ganzhou branch employs a customized service approach, exemplified by the case of a hardware company that received a 1.94 million yuan loan through a tailored credit plan [2]. - The bank has established a professional financial team to conduct regular visits to enterprises, enhancing service channels and expediting loan approvals [2]. Group 3: Policy Collaboration and Market Enhancement - The bank has leveraged national consumer loan interest subsidy policies to support various sectors, including home decoration and automotive, resulting in over 5.1 billion yuan in "Industry Loans" benefiting more than 1,800 small enterprises [3]. - The dual empowerment of credit and policy has contributed to the upgrading of the consumer market [3]. Group 4: Community Engagement and Local Business Support - PSBC's Ganzhou branch actively engages with local businesses, such as a food shop that received a 100,000 yuan loan to improve its operations and customer experience [4]. - The bank promotes various loan products tailored to different business types, ensuring that local entrepreneurs receive the necessary financial support [4].

Core Insights - The "Honghu lotus root" brand has gained recognition, with the industry achieving a comprehensive output value of 9 billion yuan in 2024, supported by 220,000 acres of cultivation and an annual production of nearly 300,000 tons [1] - Postal Savings Bank of China is actively supporting the Honghu lotus root industry through various financial products, enhancing the entire industry chain from production to e-commerce [1] Group 1: Industry Overview - The lotus root industry in Honghu City has a long-standing cultivation area of 220,000 acres and an annual output of nearly 300,000 tons, with a projected comprehensive output value of 9 billion yuan in 2024 [1] - The "Honghu lotus root" has been recognized as a national geographical indication product and included in the Ministry of Agriculture and Rural Affairs' premium agricultural brand cultivation plan [1] Group 2: Financial Support and Impact - The "Industry Loan" program has significantly aided local entrepreneurs like Hong Xiaojun, who expanded his lotus root farming from 400 acres to 10,000 acres, achieving an annual output value exceeding 100 million yuan [2] - The "Speedy Loan" product has enabled businesses like Hong Bin Lotus Industry to modernize their production lines, increasing efficiency and revenue, with a notable example being a 36 million yuan loan that facilitated the activation of an intelligent sorting line [3] - The "Innovation Credit Loan" has empowered companies like Hubei Huagui Food Co. to undergo digital transformation, with an 8 million yuan loan facilitating the integration of IoT monitoring, blockchain traceability, and big data analytics across the entire industry chain [4] - As of August 2025, Postal Savings Bank has disbursed a total of 783 million yuan in loans to the lotus root industry, demonstrating a commitment to supporting the sector's growth through tailored financial services [4]

Core Insights - The article highlights the positive impact of financial services on local farmers in Xinbin Manchu Autonomous County, particularly in the ginseng cultivation sector, where prices have reached 34 yuan per kilogram, leading to significant income potential for farmers [1] - Postal Savings Bank of China (PSBC) is actively providing tailored financial solutions to support the local agricultural industry, focusing on the cultivation, processing, and sales of traditional Chinese medicine [4] Group 1: Financial Support Initiatives - PSBC has implemented a green loan channel to facilitate quick access to funds for farmers, with loans being processed and disbursed within half an hour during the ginseng harvest season [2] - The bank promotes flexible loan models such as "borrow and repay as needed" and offers no-repayment extension services for farmers with long cultivation cycles, effectively alleviating their financial pressure [2] Group 2: Long-term Partnerships - The relationship between farmers and PSBC is characterized by long-term support, as exemplified by a farmer who has transitioned from a simple cultivator to a small business owner through consistent financial backing over seven years [3] - The bank's financial assistance has enabled farmers to expand their operations, invest in infrastructure, and diversify their business activities, contributing to their overall economic growth [3] Group 3: Industry Development and Value Chain Enhancement - PSBC's financial support extends beyond cultivation to include processing and sales, thereby enhancing the entire value chain of the traditional Chinese medicine industry [4] - The cumulative financial loans provided by PSBC in the current year amount to 2.69 billion yuan, significantly contributing to the development of the local medicinal herb industry and supporting rural revitalization efforts [4]

Core Insights - The Postal Savings Bank of China in Binzhou is focusing on supporting the "5210N" industrial cluster's high-quality development through enhanced credit offerings and collaboration with enterprises [1][2] - As of September 2025, the bank's credit balance for the "5210N" industrial cluster reached 4 billion yuan, covering multiple provincial-level characteristic industrial clusters [1] Group 1: Financial Support and Credit Allocation - The bank has strategically invested in the new energy sector, approving four photovoltaic and energy storage projects in 2025, with total loans amounting to 779 million yuan [1] - The bank is the lead bank for the 300MW fish-solar complementary photovoltaic project in Zhanhua District, taking on a share of 410 million yuan through a syndicate model, which helps mitigate risks and enhance industry collaboration [1] - The bank offers specialized services for small enterprises, providing credit products that cover various sectors, with a maximum credit limit of 10 million yuan and a term of up to three years [1] Group 2: Innovative Loan Products - In the personal loan sector, the bank has introduced a 3 million yuan credit loan for specific industries, increasing the property mortgage rate to 85% [1] - The bank is enhancing its support for small and micro enterprises by reducing the FTP rates on loans, thereby stimulating service capabilities [2] - Future plans include further deepening financial support to improve the quality and efficiency of the "5210N" industrial cluster [2]

Core Insights - The article highlights the significant role of Postal Savings Bank in supporting the development of the black fungus industry in various regions of China, particularly in promoting rural revitalization through financial services [1][4]. Group 1: Industry Development - The black fungus industry in Zhashui County, Shaanxi, has transformed from a small-scale operation to a significant industry, with the local cooperative growing from 5 to over 30 members, supported by Postal Savings Bank's financial services [1][2]. - In Dongning, Heilongjiang, the black fungus production accounts for nearly 25% of the national output, with an annual market transaction volume exceeding 60 billion yuan, making it a crucial pillar of the local economy [3][4]. Group 2: Financial Services - Postal Savings Bank has introduced innovative financial products like "Mushroom Loan" to support the local black fungus industry, providing over 98 million yuan in loans to more than 600 farmers and enterprises since 2024 [2][4]. - The bank's comprehensive financial services include credit, settlement, logistics, and e-commerce, which have significantly enhanced the operational capabilities of local enterprises, such as increasing sales from 1 million to over 1.6 million bags for a leading company [2][3]. Group 3: Future Outlook - Postal Savings Bank plans to continue its focused financial support for the black fungus industry, aiming to foster more prosperous rural economies and improve the livelihoods of farmers through targeted financial solutions [4].

Core Insights - Postal Savings Bank of China (PSBC) is actively promoting inclusive finance and supporting rural industry development in Ganzhou, Jiangxi Province, through innovative products and services [1][2][5] Group 1: Financial Support Initiatives - PSBC's Ganzhou branch has implemented targeted financial initiatives such as "Strong Towns and Rich Villages" and "Lighting Action" to inject financial resources into local specialty industries [1][3] - The bank has provided significant financial support, including a 1 million yuan "industry loan" to a peanut processing factory, enabling the owner to expand operations and achieve projected sales of over 3 million yuan [1][2] - The bank's branches have collectively issued over 3.27 billion yuan in personal operating loans to more than 600 agricultural operators and farmers this year [2][5] Group 2: Case Studies of Agricultural Support - In Anyuan County, PSBC provided a 300,000 yuan "industry loan" to a kiwi fruit plantation, allowing the business to stabilize and achieve an expected annual yield of 500 tons [2][3] - In Xunwu County, the bank issued 1.5 million yuan in credit to support the cultivation of sweet persimmons, which are projected to yield around 40,000 pounds, marking a 20-30% increase from the previous year [4] - The bank has facilitated the growth of various local fruit industries, contributing over 2 billion yuan in loans to benefit more than 700 agricultural operators [4][5] Group 3: Overall Impact - PSBC has issued over 100 billion yuan in small loans, benefiting more than 530,000 clients, effectively linking the agricultural production chain in southern Jiangxi [5]

Group 1 - The core viewpoint emphasizes the importance of food security for economic stability and the livelihood of citizens, highlighting the proactive measures taken by Postal Savings Bank of China in supporting autumn grain procurement through financial products [1][2] - Postal Savings Bank of Weihai City has introduced a specialized credit product called "Industry Loan" to assist grain procurement merchants in overcoming funding challenges, particularly during the peak harvest season [1][2] - The bank's staff actively engaged with local grain purchasing companies, such as Shandong Rugong Hongfa Agricultural Products Purchasing and Marketing Co., to assess their funding needs and facilitate quick loan approvals without collateral requirements [1][2] Group 2 - The bank has developed a marketing schedule specifically for autumn grain procurement, collaborating with relevant local authorities and organizations to identify potential clients and understand their financial needs [2] - The "Industry Loan" product is tailored to address the unique financing characteristics of grain procurement merchants, including high funding demands, frequent usage, and short loan periods [2]