齐鲁晚报.齐鲁壹点王会广通讯员朱国朝 农历八月，成武县玉米丰收在望，田间农户忙着检修农机、整饬场地，为收获做最后的准备。与此同 时，成武县南鲁集镇农资销售商方女士也迎来欣慰时刻，她经营的农资店虽已过夏季销售高峰，但老客 户纷纷前来结算货款，分享丰收喜悦。方女士表示："看着乡亲们今年收成不错，我打心眼里高兴。" 然而，此前方女士也曾为资金周转问题焦虑。当地农资行业普遍采用"赊销"模式，农户先取货，秋粮售 出后付款。为保障农户夏季灌浆期的农资供应，方女士储备了大量农药、化肥，库存占用大量资金，赊 销款又未及时回笼，陷入"有货无钱"的经营困境。 成武农商银行在"走千家、访万户、共成长"活动中，发现了方女士的难题。客户经理主动上门，实地考 察其经营状况和信用情况后，迅速为她量身定制融资方案。很快，方女士获批了额度100万元的"伯乐富 商贷"。 方女士感慨这笔信贷是"及时雨"，该贷款可随借随还、循环使用。夏季进货时她提款使用，秋收货款回 笼后随时还款，大大节约了融资成本。 成武农商银行始终坚守"支农支小"市场定位，围绕农业生产周期和资金需求特点，创新推出"伯乐富农 贷""伯乐富商贷"等普惠信贷产品。这些产品额度足、期限 ...

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]