近年来，乐山市依托优越的自然禀赋，成功打造峨眉-夹江50万亩高质高效茶叶产业带、犍为-沐川-马边 80万亩绿色生态茶叶产业带，"竹叶青""峨眉雪芽"等品牌蜚声全国。产业链涉及茶叶种殖、加工、贸易 等众多环节，从业人数超15万。 "融资传统模式高度依赖抵押物、完善的银联交易流水或规范的纳税证明。"建行乐山分行相关负责人坦 言，"而这恰恰是许多处于'峨眉山茶'产业链前端的涉农主体难以提供的，融资瓶颈一度制约了产业发 展。" 转自：新华财经 作为四川千亿茶产业的核心腹地，乐山市绵延的茶园承载着产值逾150亿元的"峨眉山茶"金字招牌，更 托举着15万茶农生计与乡村振兴的希望。建设银行乐山分行深入贯彻落实乐山市委、市政府工作要求， 认真研究地方优势产业，运用"圈链群"服务模式破解茶企融资痛难点，助力川茶"点绿成金"。 立足"全产业链"定制融资方案 图：峨眉山支行客户经理上门向茶农了解 春茶情况，并学习春茶采摘技巧。 为此，建行乐山分行进一步下沉服务重心，推出"建档立卡贷"。该行的"张富清青年突击队"深入田间地 头、茶厂车间，与乡村干部、产业带头人密切联动，逐户走访经营主体，实地采集并核实农户、个体户 的经营信息（茶园面 ...

转自：人民周刊网 车行在湖北省咸宁市嘉鱼县潘家湾镇，路两旁大片的田埂上种满了南瓜和冬瓜，青翠的蔬菜连绵成片。 农户采摘好的南瓜堆成了小山，即将装框运输往全国各地。 业发展有限公司蔬菜种植基地，广袤田畴如绿色织锦铺展，尽显蓬勃生机。邱活摄 "建行嘉鱼支行在开展乡村振兴金融调研时，发现村民因资金短缺面临播种难、施肥难、扩大种植更难 的困境。"建行嘉鱼支行行长喻跃说，针对涉农客群，建行推出专属的"善营贷"产品，对于涉农小微企 业、个体工商户、新型农业经营主体，或拥有上述经营实体的小微企业主，运用大数据、互联网技术建 立线上线下交互融合的信贷业务模式。目前，建行已累计为嘉鱼县蔬菜、渔业等涉农客群50余客户发放 贷款3800万元。 "北有寿光，南有嘉鱼"，嘉鱼县也是闻名的蔬菜大县，蔬菜产业规模大。 嘉鱼县湖北金润 农业发展有限公司种植基地。邱活摄 湖北金润农业发展有限公司是嘉鱼县规模最大的蔬菜种植企业，也是中国农业科学院以及湖北省农科院 定点科技示范基地。公司经理张建建告诉记者，公司流转种植面积8250亩，还拥有84个单体大棚、3个 连栋大棚以及1个生产车间。 今年6月，建行嘉鱼支行积极支持公司发展，为湖北金润农业发展 ...

Core Insights - The article highlights the significant role of financial support in enhancing the operational capacity and sales performance of private enterprises in Hebei province, particularly the Ruiheng Children's Toy Factory, which saw a 50% increase in production capacity and a rise in monthly sales from 800,000 to 1,500,000 yuan due to a 3 million yuan loan from China Construction Bank [1] Financial Support for Private Enterprises - The total loan balance for private enterprises in Xingtai reached 329.52 billion yuan by the end of February, marking a year-on-year growth of 17.05% [2] - Xingtai's financial institutions are increasingly directing resources towards private enterprises, focusing on sectors such as technological innovation, green low-carbon initiatives, and local specialty industries [2] Customized Financial Solutions - Xingtai has organized various bank-enterprise matchmaking events to address financing challenges faced by small and micro enterprises, allowing banks to tailor financing solutions to specific needs [2] - Hebei Deyuquan Dairy Co., Ltd. received a 20 million yuan loan within a week to support its expansion plans [2] Support for County-Level Industrial Clusters - The Xingtai government is facilitating collaboration between financial institutions and key counties to support the development of county-level industrial clusters, with a loan balance of 81.35 billion yuan for these clusters, reflecting a year-on-year increase of 29.83% [3] - Financial institutions are integrating deeply with industrial chains, as demonstrated by the Agricultural Bank of China providing a 48 million yuan loan for equipment purchase and additional credit support for related enterprises [3] Interest Rate Trends - Xingtai's financial institutions are working to lower loan interest rates, with the average interest rate for new corporate loans at 4.41% and for new inclusive small and micro enterprise loans at 4.45%, both showing a decrease compared to the previous year [4]