科技赋能，提升效率，让消费"便捷高效" 渠道下沉，场景融合，让消费"触手可及" 该行充分发挥"人缘地缘"优势，依托遍布城乡的营业网点和强大的客户经理队伍，将金融服务延伸至村 庄社区、企业园区、专业市场。常态化开展"普惠金融进万家"、"金融知识下乡"等活动，主动送政策、 送产品、送服务上门。同时，按周组织对接会，将消费场景内嵌入金融服务，实现"金融+消费"的无缝 对接，提升消费便利度和体验感。 滨州农商银行深刻认识到，消费是经济增长的持久动力，提振和扩大消费是服务地方经济、增进民生福 祉的关键之举。为此，我行坚决贯彻落实国家及省市关于恢复和扩大消费的决策部署，立足"百姓银 行"定位，聚焦消费领域的痛点、堵点，主动作为，精准施策，打出一套金融支持消费的"组合拳"。 产品创新，降低门槛，让消费"底气更足" 针对不同消费群体和场景，该行创新推出并持续优化"助民贷""信e贷"等系列专属信贷产品。这些产品 普遍具有"门槛低、手续简、审批快、利率优"的特点，有效降低了居民在大宗消费(如购车、家装)、文 旅休闲、日常购物等方面的融资成本和门槛，让老百姓"敢消费、能消费、愿消费"。特别是对高校毕业 生、新市民、青年群体等重点人 ...

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].