齐鲁晚报.齐鲁壹点李可通讯员窦雪蕊 大蒜从种植到销售的顺畅流转是实现其价值的关键。该行将金融服务从种植环节向收购、仓储、加工、 销售等环节延伸，打通产业增值链条。 收购环节资金需求大、周转快。九女集镇收购商李先生每年收购旺季都面临资金缺口，以往融资困难使 其错过不少商机。该行根据其经营特点和仓储大蒜价值，为其定制"伯乐仓储贷"服务方案，授予80万元 额度。李先生可通过手机银行随时提款支付货款，资金使用效率大幅提高，收购规模扩大近一倍，带动 周边十余个村庄蒜农稳定销售。 此外，该行还提供"伯乐富农贷""伯乐种植贷"等产品和"慧农通"支付结算工具，保障蒜农收入及时实 现，增强了产业链上经营者的经营信心和活力。 成武农商银行作为扎根成武、服务地方的金融主力军，始终立足县域产业特色，采用"点上精准滴灌、 线上链式赋能、面上全域覆盖"的金融服务模式，深度参与地方特色产业发展。针对成武35万亩大蒜种 植基地的产业优势，该行从支持单个经营主体入手，贯通产业链上下游，覆盖产业全生命周期，为大蒜 产业从种植到销售的高质量发展提供有力金融支持。 聚焦个体需求，筑牢产业发展基础 "多亏农商行的50万元'鲁担惠农贷'，让我有资金扩大 ...

了解到王先生的困境和发展规划后，该支行客户经理迅速前往实地考察，对其种植规模、市场销路以及 项目可行性进行了全面评估。结合大蒜种植生产周期和资金回笼特点，支行不仅为王先生推荐了"伯乐 富农贷"产品，还协助他设计了与现金流相匹配的还款方案。通过开辟绿色通道、简化业务流程，短短 数日内，30万元信贷资金就顺利发放到王先生手中。 "以前大蒜收获后，即便价格不理想也只能着急出售。现在有了这笔资金，冷库建成后，心里就有底 了，可以等待更好的价格再出售。"王先生充满信心地表示，"农商行了解我们农民生产的节奏，这笔贷 款不仅解决了燃眉之急，更帮助我们打开了增收增效的大门。" 齐鲁晚报.齐鲁壹点李可通讯员刘智瀚 近日，成武农商银行白浮图支行客户经理在辖区开展走访工作时，了解到当地大蒜种植户王先生面临资 金难题。王先生是村里经验丰富的大蒜种植能手，近年来，他敏锐捕捉市场行情，计划将大蒜种植面积 扩大至50亩，并新建一座小型仓储冷库，以此规避大蒜集中上市带来的价格波动，实现反季销售。然 而，前期土地流转、优质蒜种采购以及冷库建设所需的大量资金，让他陷入了困境。 大蒜产业是成武县白浮图镇的特色产业。该支行始终秉持"因农而需、因时而 ...

齐鲁晚报.齐鲁壹点李可通讯员朱国朝 随着首批大棚取得良好效益，曹先生的种植事业逐步迈入正轨。该行持续跟踪服务，根据其发展需求， 逐步将贷款额度提升至100万元，支持他进一步扩大种植规模。在金融支持下，曹先生的种植园大棚数 量从最初的几个增加到二十余个；种植品种从单一的叶菜、茄果类蔬菜，拓展到草莓、西瓜、甜瓜等高 附加值水果；销售模式也从传统的批发市场，拓展到商超直供、观光采摘等多种渠道。"我们的草莓销 路很好，很多都是客户提前预订，周末来采摘的游客也很多。"曹先生表示，他的草莓园已成为当地小 有名气的采摘打卡地。回顾创业历程，他感慨地说："我的成功离不开党委政府的政策引导、周边乡亲 的支持，更离不开成武农商银行的持续帮助。" 致富后的曹先生不忘回馈乡里。随着种植规模的扩大，他优先招聘当地农户，并为周边种植户提供技术 指导和销售渠道，实现了"树一个标杆、兴一项产业、富一方百姓"的良好局面。 曹先生的故事只是该行服务乡村振兴的一个典型案例。近年来，该行坚守"支农支小"市场定位，持续加 大涉农信贷投放，创新推广"伯乐惠民贷""伯乐富农贷"等特色金融产品，为当地现代农业发展提供了有 力的金融支持。 在成武县广袤的田野 ...

齐鲁晚报.齐鲁壹点李可通讯员苗胜博 "乡村产业需要什么，我们的服务就跟进到哪里。"该支行的客户经理赵经理在日常走访中了解到李先生 的情况后，主动上门对接，并向其介绍了专为涉农经营主体设计的"伯乐富农贷"。该产品具有额度灵 活、手续便捷、利率优惠等特点，很好地契合了涉农经营"短、频、急"的资金需求。 为尽快为李先生提供资金支持，该支行迅速启动信贷绿色通道。客户经理上门协助李先生准备贷款材 料，前后台协同推进调查审批工作。仅用2个工作日，30万元贷款便发放到李先生手中。 资金到位后，李先生迅速订购了3台大吨位挖掘机和2台新型装载机，并同步扩建了厂房。如今，他的租 赁厂设备得到更新、场地更加规整，服务能力显著提升。"现在不仅能更好地满足本地农业和基建需 求，还能承接更多周边项目，预计年收入会有不错增长。"李先生表示。同时，业务的拓展也为3位当地 农户提供了稳定的工作岗位。 从满足单个客户的需求，到支持整个乡村产业的发展，该支行始终将金融服务扎根于县域。该支行持续 优化"伯乐金融"系列信贷产品，精准对接新型农业经营主体、农村小微企业等各类客户的需求，全力当 好乡土产业成长的"金融伙伴"，让高效、专业的金融服务深入田间 ...

Core Viewpoint - The article highlights the integration of green finance and agricultural innovation by Chengwu Rural Commercial Bank, showcasing its efforts to support sustainable development and rural revitalization through various financial products and services [1][2][3] Group 1: Green Finance Initiatives - Chengwu Rural Commercial Bank has injected 1 million yuan into a fish-vegetable symbiosis system, demonstrating the bank's commitment to green finance and county economic transformation [1] - The bank has developed a financial service plan to support green low-carbon development, focusing on energy conservation, circular agriculture, and clean energy [1][2] - The bank has incorporated green loan growth indicators into its business department assessment system, creating an incentive mechanism to promote green credit business [2] Group 2: Collaborative Efforts - Chengwu Rural Commercial Bank has established a communication mechanism with local government agencies to jointly identify and support green enterprises [2] - The bank has created a "green approval channel" to prioritize financing for eligible green projects, enhancing market participation in green development [2] - The bank has partnered with a biotechnology company to provide 5 million yuan in loans for resource recycling initiatives, exemplifying its support for the circular economy [2] Group 3: Support for Ecological Agriculture - The bank has launched the "Bole Fumin Loan" to provide flexible financing for innovative agricultural models like fish-vegetable symbiosis and forest economy [3] - A young farmer received a 200,000 yuan "entrepreneurial guarantee loan" to establish a 20-acre ecological vineyard, showcasing successful youth entrepreneurship [3] - The bank has issued over 10 million yuan in loans to support the transformation of rural areas, promoting diverse economic activities such as agritourism [3] Group 4: Future Directions - Chengwu Rural Commercial Bank aims to continue its commitment to green finance, innovating products and service models to support rural areas in achieving both ecological and economic prosperity [3]

Core Insights - The article highlights the successful implementation of financial support for agricultural businesses, particularly focusing on the case of a local agricultural input seller who benefited from a tailored loan product [1][2] Group 1: Agricultural Sector - The corn harvest in Chengwu County is expected to be abundant, with local farmers preparing for the harvest season [1] - Agricultural input sellers, like Ms. Fang, are experiencing a positive influx of customers despite the end of the summer sales peak, indicating a strong demand for agricultural products [1] Group 2: Financial Support - Chengwu Rural Commercial Bank has introduced innovative financial products such as "Bole Funiang Loan" and "Bole Fushang Loan," designed to meet the specific funding needs of agricultural producers and small businesses [2] - The bank's financial support for Ms. Fang, which included a loan of 1 million yuan, exemplifies its commitment to addressing the funding challenges faced by agricultural input dealers [2] - The loan product is characterized by flexible terms, low costs, and the ability to be used cyclically, which aligns well with the seasonal cash flow needs of agricultural businesses [2]