在山东东营垦利区黄河入海口，一片曾经白碱茫茫的土地正悄然蜕变。东营捷飞农业科技有限公司的负 责人站在田埂上，心中盘算着这片超过6万亩的盐碱地，经改造后预计将新增大量耕地。而支撑这场改 良实践的，是一笔期限长达15年、金额1.52亿元的银行贷款，该贷款来自建设银行山东省分行。 转自：新华财经 "盐碱地改良，社会效益大，但投入高、周期长、回报慢，传统信贷模式往往望而却步。"建行山东省分 行相关工作人员表示。面对盐碱地非标准抵押物的难题，选择创新突围：延长贷款期限匹配改良周期， 探索"农业用地经营权抵押"增信，最终在当地同业中率先破冰，为规模化盐碱地改良注入了关键金 融"养分"。截至目前，建行山东省分行在盐碱地改良项目支持上已取得丰硕成果，成功批复5个盐碱地 改良项目，授信金额5.52亿元。随着这些项目的推进，该行支持的盐碱地改良面积累计将达到12.8万 亩。 在临沂沂南县，全省建行系统内首笔8700万元"农产品冷链物流贷款"顺利投放，破解了涉农项目"联营 集体建设用地"抵押难题。在烟台蓬莱，围绕苹果产业，建行创新推出"核心企业+农村集体经济合作社 +产业链"模式，获批2.9亿元授信，联动23家合作社，助力"烟台苹 ...

Core Viewpoint - The article highlights the significant role of financial support from China Construction Bank (CCB) Shandong Branch in promoting agricultural development and rural revitalization in Shandong Province, showcasing various projects and their positive impacts on local economies and food security [1][3][10]. Financial Support for Agricultural Projects - CCB Shandong Branch has provided a total of 222.1 billion yuan in agricultural loans as of the end of August, with an increase of 18.65 billion yuan since the beginning of the year [1]. - The bank has actively supported high-standard farmland construction, providing 74 million yuan in loans for the transformation of 40,000 acres of farmland in Yutai County, significantly improving irrigation efficiency and crop yield [2][3]. - The bank has also issued 2.7 billion yuan in loans for high-standard farmland projects this year, emphasizing its commitment to food security [3]. Innovative Financing Solutions - CCB Shandong Branch has tailored financial solutions for salt-alkali land reclamation projects, approving 152 million yuan in loans for a project covering 63,633 acres, addressing the challenges of high initial investment and low returns [5][6]. - The bank has successfully supported two salt-alkali land improvement projects with a total credit amount exceeding 200 million yuan, with three additional projects in progress [5][6]. Support for Facility Agriculture - The bank has provided 250 million yuan in loans to modern apple orchards in Yiyuan, enhancing production quality and increasing farmers' income [7][8]. - CCB Shandong Branch has established a specialized mechanism to address financing challenges in facility agriculture, with a total facility agriculture loan balance of 3.4 billion yuan as of the end of August [8]. Integrated Financial Services for Agricultural Supply Chains - CCB Shandong Branch has implemented an industry chain financing model, providing 27 million yuan in loans to nine suppliers of a dairy farm, ensuring a stable supply of raw materials [9]. - The bank has increased its agricultural loans to 9.5 billion yuan, with a year-to-date increase of 1.33 billion yuan, focusing on key agricultural products [9][10]. - The bank has also supported new agricultural business entities with a loan balance of 17.4 billion yuan, reflecting a year-to-date increase of 4.8 billion yuan [10].