中证报中证网讯（记者 吴杨）12月28日，记者从邮储银行中山市分行获悉，该分行锚定乡村振兴 战略部署，聚焦农业产业融资痛点，以专属网点布局、产品模式创新、高效服务落地为核心抓手，为地 方涉农企业精准注入金融活水。截至11月末，旗下沙朗支行已向沙朗农产品交易中心内客户累计发放贷 款合计约2.39亿元，结余5906.14万元，以硬核金融力量筑牢区域农业高质量发展根基。 据介绍，针对市内最大综合性农产品批发市场、珠三角重要农产品集散中心，即中山农产品交易中 心，邮储银行中山市分行就地专门设立沙朗支行。 自2021年搬迁至现址后，沙朗支行便将服务农产品市场作为重点方向，深耕区域农业产业生态，致 力于开发贴合农产品流通企业需求的金融产品。搬迁后，邮储银行中山市分行推出农产品交易中心专 属"产业链贷款"。除专属产业链贷款外，极速抵押贷、省再担信用贷、省农担信用贷、小企业信用税贷 等多元化产品也在市场中得到广泛应用，形成了"精准匹配、多点发力"的金融服务矩阵，为农产品交易 中心内各类经营主体提供了全方位的资金保障。 果美农业科技集团有限公司的跨越式成长，成为邮储银行中山市分行金融赋能农业、银企协同共赢 的典型范例。这家坐落 ...

Core Viewpoint - Postal Savings Bank of China (PSBC) in Luliang has effectively supported local economic development by focusing on the "three rural issues," small and medium enterprises, and community services through diversified products and efficient services [1] Group 1: Financial Support for Local Industries - PSBC Luliang Branch has invested over 400 million yuan in the red date industry, serving 340 clients, with a loan balance of 57.22 million yuan as of October [2] - In the liquor industry of Fen Yang, PSBC has established a specialized credit service mechanism for over 400 e-commerce and liquor businesses, disbursing 10.2 million yuan in loans [2] - The bank has provided over 5 billion yuan in loans to various local industries, serving 12,000 business entities by the end of October [2] Group 2: Comprehensive Financial Service System - PSBC Luliang Branch has developed a comprehensive financial service system that includes industry research, product innovation, precise matching, and efficiency enhancement to align financial services with industry development [3] - The bank has formed a specialized service team led by the branch president to conduct in-depth visits to industry parks, enterprises, and farms across Luliang, creating a detailed service ledger for each industry [3] Group 3: Product Innovation and Service Efficiency - The bank has created a diverse credit product matrix tailored to the entire lifecycle of industries, including products like "Express Loan" and "Business Loan" for small businesses, which require no collateral and offer quick approval [4] - For long-term funding needs, PSBC has optimized products like "Industry Chain Loans" and "Fixed Asset Loans," providing flexible repayment options and preferential interest rates [4] - The bank has streamlined its approval process for specialty industry loans, ensuring completion from application to approval within 8 working days, and promoting online applications and door-to-door services [4]

Core Viewpoint - The cultural tourism industry in Kaiping, Guangdong is transitioning from "scenic tourism" to "all-area tourism," supported by innovative financial services to promote the integration of cultural heritage and tourism [1][2][3]. Group 1: Financial Support and Investment - Postal Savings Bank of Kaiping issued a fixed asset loan of 140 million yuan (approximately 20 million USD) for the "Qiaohai Huayun" cultural tourism project, with a 15-year term [1][3]. - The bank has introduced innovative credit models to address the long investment cycles and slow returns typical of cultural tourism projects, providing long-term, favorable financing solutions [3]. Group 2: Tourism Development and Growth - The local government is leveraging "Overseas Chinese culture + World Heritage culture" to enhance tourism resources, aiming to establish a demonstration zone for all-area tourism [2][3]. - In the first half of the year, the tourism-related business volume in Kaiping grew by over 20% year-on-year, indicating a sustained increase in industry momentum [2][3]. - The "Qiaohai Huayun" night economy project is expected to increase visitor stay duration by over 40%, stimulating related sectors such as dining and accommodation [2]. Group 3: Future Projections - By 2024, Kaiping is projected to receive over 8 million tourists, with tourism revenue expected to grow by 35% year-on-year, and the contribution of the cultural tourism industry to GDP is anticipated to rise to 12% [3].

Group 1 - Postal Savings Bank of China (PSBC) Jiangxi Ganzhou Branch focuses on serving "three rural issues," urban residents, and small and medium-sized enterprises (SMEs) by innovating financial service models and optimizing loan processes to support the real economy [1][2] - The branch has successfully issued over 20.2 billion yuan in loans to support SMEs, benefiting nearly 1,500 enterprises as of the end of April this year [2] - The bank promotes inclusive financial products such as online microloans and quick loans, tailoring financial service plans to meet the differentiated credit needs of small and micro entities [2][3] Group 2 - PSBC Jiangxi Ganzhou Branch has actively supported rural revitalization by providing financial assistance to agricultural projects, such as a selenium-rich vegetable project that received a total of 260,000 yuan in loans [3][4] - The branch has issued over 97.4 billion yuan in small loans, benefiting 516,000 customers, through targeted marketing and proactive credit granting [4]