在提升金融服务覆盖面上下功夫。针对服务对象数量多、分布广的特点，建立农户、个体工商户、小微企业和城镇社区"四张清单"对接机制，参照政务网 格划分33.1万个服务网格，明确专属客户经理，实行"定格、定人、定责"管理。依托智慧营销系统，对信用记录良好、无不良嗜好的客户推广"无感授 信"服务，截至5月末，"无感授信"客户达到650.7万户。推行定期驻村办公，近2万名客户经理常年在村庄社区开展定时定点金融服务，目前已为1804万农 户和城镇居民家庭提供授信，平均每3户就有1户在农商银行享有授信支持。优化提升网点服务，全省网点4660个，延伸设立金融服务点2.35万个，布设各 类电子机具5.65万台，实现了"基础金融服务不出村，综合金融服务不出镇"。 6月26日，山东省召开"弘扬中国特色金融文化 培育'好品金融'品牌"工作座谈会，会议公布了2025"好品金融"典型案例和产品评选结果。作为获评"好品金 融·普惠金融"产品的单位代表，山东省农村信用社联合社（以下简称"省联社"）党委副书记、副理事长、主任李强参加会议并以"发挥农村金融主力军作 用 全力做好普惠金融大文章"为题作典型发言。 在提升金融服务可得性上下功夫。健全完 ...

Core Viewpoint - The article highlights the proactive role of Binzhou Rural Commercial Bank in supporting agricultural production during the summer harvest season by providing timely financial services and loans to farmers and grain merchants [1][5]. Group 1: Financial Support for Farmers - Binzhou Rural Commercial Bank has implemented an "early investigation, early connection, early credit" mechanism to meet the financial needs of farmers ahead of the harvest season [2]. - The bank provided a specialized loan of 100,000 yuan to a local farmer for upgrading his harvesting equipment, significantly improving his operational efficiency [2]. - The bank has launched targeted loan products such as "Agricultural Production Operating Loan" and "Assistance Loan" to simplify processes and ensure quick access to funds for farmers [2]. Group 2: Promotion of Financial Products - The bank has established a comprehensive online and offline promotional network to disseminate information about agricultural policies and loan products, ensuring farmers are well-informed [3]. - A farmer successfully obtained a 200,000 yuan loan through the bank's online platform, which was processed in just one day, demonstrating the efficiency of the bank's services [3]. - The bank actively promotes its "Huibinzhou Credit Fast Loan," which is a convenient, no-collateral online loan product, to meet the urgent funding needs of farmers during the harvest season [3]. Group 3: Support for Grain Merchants - Binzhou Rural Commercial Bank has created a "Summer Grain Purchase Credit Whitelist" system to facilitate quick loan approvals for reputable grain merchants [4]. - A grain merchant received a loan of 3 million yuan within 48 hours due to the bank's expedited loan processing system, allowing him to purchase grain from local farmers promptly [4]. - The bank's financial services ensure that farmers receive timely payments for their grain sales, thereby enhancing the overall efficiency of the grain purchasing process [4]. Group 4: Overall Impact - As of now, Binzhou Rural Commercial Bank has disbursed loans related to summer grain purchases to over 437 households, totaling 248 million yuan, contributing significantly to the region's agricultural success [5]. - The bank's efforts have ensured a smooth operation of the summer grain purchase chain, benefiting both farmers and grain merchants [5].

应授尽授稳产业根基：山药大户的"三年定心丸" 在牡丹区辛集，山药收储大户万先生的冷库前一派繁忙景象。"多亏农商行给的100万元授信，让我在行 情波动时也能稳住阵脚。"回忆起创业历程，他感慨万千。2022年，万先生首次尝试80亩山药规模化种 植，却遇市场价格下滑，幸得该支行"随用随贷、循环授信"的三年期贷款支持，才得以挺过低谷。2024 年，他引入滴灌技术提升产量，又通过贷款购置收割机、烘干机等设备，实现从种植到初加工的全流程 升级。"现在每亩成本降低20%，预计今年净利润能突破50万元！" 该支行以"实"字为基，创新"预授信+备用金"模式，为辖内农户建立"家庭金融档案"，通过大数据分析 预判资金需求，提前授信覆盖春耕备耕、秋收冬藏等关键节点。截至目前，已为1200余户农户核定"家 庭备用金"超2.3亿元，用信率提升至65%，有效破解农业生产"周期长、抵押难"痛点。 近年来，菏泽农商银行北城支行坚守服务"三农"主阵地，以精准化扶持、普惠性授信、数字化服务为抓 手，持续加大涉农金融供给，让金融活水精准流向田间地头，书写出助力乡村产业升级的生动篇 章。"一户一策"解花农急难：从种植户到"带货达人"的蜕变"农商行的' ...