■本报记者 黄力辉 今年以来，邮储银行黑龙江省分行以农村信用体系为依托，以创新担保方式为核心，积极营造"用征 信、助融资、促发展"的良好农村信用环境，不断加大涉农贷款投放力度，着力找准支农服务的着力点 和落脚点，支持乡村振兴发展。 该分行把农村信用体系建设作为工作重点，不断优化农村地区信用环境，积极推动信用村镇建设，通过 开展信用村创建和信用户评定等工作，深入村屯，主动入户收集农户融资需求和信用信息，采取"整村 授信、集中帮扶、批量开发"等模式，为信用村农户提供利率优惠、流程优化的"双优"服务。 同时，该分行广泛开展征信宣传，充分发挥点多面广、面向客户的宣传优势，在各营业网点摆放宣传折 页、张贴宣传海报和横幅；通过LED、液晶电视等载体发布宣传主题标语；通过手机银行、微信平台等 发布征信常识；通过进机关、进社区、进乡村、进企业、进校园等多种宣传形式，让更多社会公众逐渐 了解征信知识、使用征信产品、提高信用意识。 在贷款产品上，该分行不断研究开发贷款产品，重点围绕客户所处区域环境、信用资质等方面，根据客 户从事的农业生产规模及属性，推出小额农户贷款、家庭农场专业大户贷款、农民专业合作社贷款等多 种产品。 在担保 ...

Core Insights - The Agricultural Bank of China, Shandong Province, has introduced the "Ecological Value Loan" to facilitate financing for ecological products and streamline the loan process, thereby enhancing credit limits and reducing interest rates [1][2] Group 1: Financial Innovations - The bank has established an ecological value "green list" and a "green financial project database" to support the implementation of the ecological value realization mechanism in Shandong Province [1] - The "Ecological Value Loan" product aims to address the challenges of "difficult to mortgage" and "difficult to realize" ecological products by simplifying the loan procedures [1] Group 2: Targeted Financial Services - The bank provides comprehensive financial services through an "online + offline" model, tailored to meet the needs of "Ecological Value Loan" clients [1] - Financial products offered include loans for rural collective economic organizations, farmer cooperatives, and individual rural production operations, with interest rate discounts of 5 to 10 basis points for key clients on the green list [2]