该行客户经理在"百行进万企"走访过程中，了解到李先生的困境后，迅速开展调查评估，并为其量身定 制融资方案。很快，200万元信贷资金发放到位。李先生感慨道："这笔贷款真是雪中送炭！新设备投入 使用后，我们的加工精度和效率大幅提升，环保指标也完全达标，近期还接连获得了几个大型定制家具 订单，让我对企业未来的发展充满信心。" 精准滴灌：促进产业链协同发展 家具制造产业的升级离不开上游供应链的同步提升。邓先生经营的板材加工厂长期为李先生等家具制造 企业供货。随着下游客户对板材的平整度、环保等级和加工精度要求日益提高，邓先生也面临着资金压 力。"我们需要购置更精密的裁切和压贴设备，同时为配合家具厂的订单节奏，还需提前备货，这占用 了大量流动资金。" 针对邓先生这类产业链上游小微供应商"轻资产、缺抵押"的特点，该行创新推出"伯乐富商贷"模式，依 托其与下游核心企业的稳定订单和应收账款，为邓先生发放了30万元贷款，有效解决了其备货资金难 题。邓先生表示："以往采购旺季总是为资金发愁，现在有了农商行的支持，我们能够安心备足优质原 料，加工精度也得到提升，与家具厂的合作更加稳固顺畅。"这种针对产业链特定环节的精准支持，不 仅解 ...

Core Insights - The company focuses on supporting agriculture and small businesses, aiming to meet the financial needs of local communities and enhance their quality of life through tailored financial services [1] Group 1: Financial Support for Local Businesses - The bank has implemented a rapid loan approval process to assist local businesses like Liu's appliance store, enabling timely access to funds for inventory purchases during peak seasons [2] - The bank's customer managers actively engage with local entrepreneurs to identify their financial needs and provide customized loan solutions, exemplified by the case of a courier service expanding its operations [3] Group 2: Enhancing Quality of Life - The bank organizes community events such as "Financial Night School" to educate residents about financial products, leading to increased access to personal loans for home improvements like smart home devices [4] - The bank's strategy includes a multi-layered credit service system that combines online and offline channels, aimed at improving loan processing efficiency and reducing transaction costs for customers [4]

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]

Core Insights - The article highlights the successful harvest of 100,000 acres of medium-temperature greenhouse mung beans in Chengwu County, supported by financial services from Chengwu Rural Commercial Bank, which plays a crucial role in the development of the mung bean industry [1] Group 1: Financial Support for the Mung Bean Industry - Chengwu Rural Commercial Bank has launched the "Bole Financial" series of credit products to meet the diverse funding needs of the mung bean industry, ensuring financial support penetrates every key link in the industry chain [2] - The bank offers differentiated financial services for various operational entities involved in planting, purchasing, storage, and transportation, facilitating the smooth operation of the mung bean supply chain [2] Group 2: Credit Products for Planting and Purchasing - In the planting phase, the bank introduced products like "Bole Planting Loan," "Bole Rich Farmer Loan," and "Bole Beneficial Loan" to support farmers in purchasing seeds, fertilizers, and greenhouse facilities, promoting standardized and large-scale planting [2] - For the purchasing phase, the bank launched "Bole Rich Merchant Loan" and "Small Business Owner Loan" to address the short-term funding needs of mung bean purchasers, ensuring smooth procurement operations [2] Group 3: Logistics and Settlement Innovations - The bank has introduced "Business Vehicle Loan" and "Flow Easy Loan" to support logistics and transportation, enhancing efficiency and market competitiveness of the industry [2] - The "Smart Agricultural Connection" service has been promoted to provide a one-stop solution for product management, order management, and payment settlement, significantly improving settlement efficiency [3] Group 4: Support for Farmers - The bank actively engages with farmers to understand their funding needs, optimizing loan processes and improving approval efficiency to ensure timely access to funds, thus aiding in increased production and income [4] - As of now, the bank has disbursed 25 million yuan in mung bean planting loans, benefiting over 200 farmers [4] Group 5: Support for Purchasers - The bank has provided flexible credit products to ensure the purchasing phase remains financially stable, allowing for smooth circulation of mung beans [5] - A notable purchaser, Mr. Li, received a 200,000 yuan "Bole Rich Merchant Loan," which significantly reduced his financing costs and allowed him to expand his purchasing scale [5] - The bank offers credit support up to 10 million yuan based on the purchaser's business scale and credit status, optimizing repayment methods to alleviate financial pressure [5][6] Group 6: Overall Impact and Future Plans - The bank's financial support spans the entire mung bean industry chain, contributing to rural revitalization and transforming mung beans into a significant industry [6] - The bank plans to continue enhancing inclusive financial services and innovating financial products to support agricultural industrialization and increase farmers' income in Chengwu County [6]