武城农商银行始终将服务实体经济、助力民生行业作为核心理念，通过优化服务、产品创新、场景融合 等举措，推动餐饮业转型升级，以金融动能助力餐饮行业升腾"烟火气"，推动地方实体经济高质量发 展。截至目前，全行餐饮行业贷款客户189户，贷款余额4800万元，守护浓浓烟火气。 烟火气的背后，离不开资金的坚实支撑。对于餐饮行业而言，从食材采购、设备更新，到店面升级、规 模拓展，每一个环节都需要充足的资金周转，尤其是节假日消费旺季来临前，备货、装修升级的资金需 求更为迫切，资金周转难题往往成为制约商户发展的"拦路虎"。创业初期，李先生一心想把本土风味做 好，但门店装修、厨具采购、首批食材备货等各项开支让他陷入资金困境。武城农商银行客户经理沿街 走访活动中了解到这一情况后，主动上门对接，精准匹配信贷需求，快速完成审批放款，为其提供了50 万元信贷支持，帮助李先生顺利开启创业之路，让鲁味小灶成功落地，稳稳扎根武城市场。 武城农商银行始终坚守服务实体经济理念，聚焦餐饮、商超、农贸等与民生紧密相关的业态，主动下沉 服务重心，开展常态化走访，精准摸排商户资金需求，推出"备货贷""创业提振贷"等特色信贷产品，优 化审批流程、压缩办贷时 ...

武城农商银行在开展"金融暖企进万家"常态化走访活动中，客户经理主动上门摸排商户经营状况，精准 捕捉到张女士的资金需求。现场为其介绍并办理了"备货贷"贷款产品。经过快速调查和审批，24万元贷 款资金在两个工作日内顺利到账。 "多亏了农商银行的'备货贷'，资金难题一解决，我才能放心囤够年货，顺利迎战春节销售旺季。"张女 士难掩喜悦。 春节已过，年货采购热潮圆满落幕，零售商超也顺利度过了一年中最繁忙的时节。在武城县聚鑫源商超 内，货架旁工作人员忙着清点剩余货物、整理库存，此前琳琅满目的米面油、坚果干货、春联福字，虽 有剩余却也尽显节日期间的红火，不时有市民前来选购尾货。商超负责人张女士一边核对节前备货与销 售清单，一边盘算着近期的资金往来，脸上满是踏实与欣慰。 "春节前这半个月，备货量是平时的两倍多，上游供货商要求预付货款，还要预留资金应对临时补货， 到处都要用钱。"张女士经营商超多年，节前眼看客流一天天增多，她计划备足各类年货抢占市场先 机，却一时出现了24万元的资金缺口，这让她犯了难，生怕耽误节前备货、影响节日销量。 春节假期前后，武城农商银行组建专项服务团队，对全县综合商超、农贸市场、特产门店等开展拉网式 调 ...

宣城市市场监管局立足职能，积极拓展助企融资渠道，通过创新质押方式、深化质量增信、优化融资服 务等举措，有效盘活企业无形资产，着力破解市场经营主体特别是中小微企业和个体工商户融资难题， 为区域经济高质量发展注入金融活水。 优化"股权活资"，盘活静态资本。提升股权出质登记服务效能，设立专窗推行"容缺受理+一次性告 知"。2025年度全市股权出质设立共131户，出质股权数额约21亿元,被担保债权数额约190亿元。 深化"信用换资"，滴灌小微个体。开展第四届"个体工商户服务月"活动，推动邮储银行、农商银行等金 融机构推出"优享贷""备货贷"等产品，最高可提供30万元信用贷，下调利率0-200个BP、减免扫码支付 手续费50%以上，累计发放贷款9.65亿元惠及3784户，授信金额达1.82亿元。联合中国银行及担保公司 现场"尽调"，向6户省级非遗"高峰唐氏竹编"传承企业发放贷款280万元。联合农商银行建立快速响应机 制，2日内为餐饮商户解决20万元备货资金。 监管有力度 服务有温度 推进"知产变资"，激发创新活力。开展知识产权质押融资"入园惠企"行动，举办银企对接会、政策宣讲 会，引导企业利用专利权、商标专用权、地理标 ...

Core Viewpoint - The article highlights the proactive measures taken by Wucheng Rural Commercial Bank to support local businesses during the upcoming Spring Festival, focusing on tailored financial solutions to enhance retail and wholesale operations [1][2]. Group 1: Financial Support Initiatives - Wucheng Rural Commercial Bank has increased its entity loan balance to 6.63 billion yuan, reflecting a growth of 250 million yuan since the beginning of the year [1]. - The bank has implemented a "stock-up loan" scheme specifically designed for businesses, enabling quick approval and funding to meet seasonal demand [1]. Group 2: Customer Engagement and Service Model - The bank employs a "big data + big foot" service model, enhancing government-bank collaboration and accurately identifying key industry clients, particularly in the fresh fruit wholesale sector [2]. - Over the year, the bank has visited and engaged with more than 1,000 individual businesses, disbursing a total of 13 million yuan in "stock-up loans" [2].

Core Viewpoint - The article highlights the bustling activity in the Wucheng County agricultural products wholesale market, emphasizing the financial pressures faced by small merchants during the pre-Spring Festival period and the supportive measures taken by Wucheng Rural Commercial Bank to facilitate their operations [1][2]. Group 1: Market Activity - The Wucheng County agricultural products wholesale market is vibrant with various fresh vegetables, seasonal fruits, and fresh meat, indicating a busy preparation for the Spring Festival [1]. - Wang, a seasoned fruit wholesaler, notes that nearly 40% of his annual sales occur in the month before and after the Spring Festival, leading to increased financial pressure due to prepayment requirements from suppliers [1]. Group 2: Financial Support - Wucheng Rural Commercial Bank responded to Wang's financial needs by providing a "stock preparation loan" of 150,000 yuan, streamlining the process with on-site material collection and online approval [1]. - The bank, in collaboration with local regulatory and business departments, launched the "Party Building Co-construction, Financial Benefits to the People" initiative, which included on-site financial education and distribution of over 1,200 promotional materials [1]. Group 3: Service Optimization - The bank has optimized its service processes to cater to the short, frequent, and fast borrowing needs of small merchants, reducing loan approval times to within three days [2]. - The bank has also enhanced its payment services by introducing promotional activities like "payment discounts" to attract consumers, effectively increasing foot traffic and sales for merchants [2]. - To date, the bank has issued over 20 million yuan in "stock preparation loans" to more than 80 local merchants, contributing to a lively market atmosphere during the festive season [2].

Group 1 - The core viewpoint highlights the importance of financial support from Wucheng Rural Commercial Bank for local businesses in the restaurant industry during the peak season of the Spring Festival [1][2] - A restaurant owner, Mr. Li, plans to upgrade his establishment by renovating the environment, adding three themed private rooms, and developing special New Year's Eve dinner packages, but faces funding challenges due to high initial investment [1] - Wucheng Rural Commercial Bank tailored a special loan plan of 200,000 yuan for Mr. Li, offering preferential interest rates and a simplified approval process, enabling quick funding within three working days [1] Group 2 - Wucheng Rural Commercial Bank has implemented targeted financial strategies to meet the diverse needs of various merchants during the Spring Festival consumption peak [2] - The bank has launched flexible and adaptable special loans for service-oriented businesses like restaurants and accommodations to support upgrades and inventory needs [2] - As of now, the bank has issued a total of 42 million yuan in loans related to inventory and business upgrades, covering multiple sectors including supermarkets, restaurants, and home goods, effectively stimulating market vitality [2]

Core Viewpoint - Inclusive finance is positioned as a fundamental aspect of financial development and a crucial support for balanced economic and social growth, with Shandong Shanghe Rural Commercial Bank focusing on this strategy to benefit small and micro enterprises, farmers, and low-income groups [1] Group 1: Innovative Marketing - Shandong Shanghe Rural Commercial Bank has shifted from traditional "sit and wait" financial services to a proactive approach, establishing a comprehensive marketing service network that integrates online and offline channels [1] - The bank provides 24/7 financial services through digital platforms, allowing customers to apply for loans and conduct transactions without leaving their homes [1] - The bank's service teams actively engage with rural markets, industrial parks, and small businesses to offer on-site services and credit consultations [2] Group 2: Mechanism Improvement - The bank has integrated inclusive finance into its overall development strategy, launching the "Rural Commercial Inclusive E-Loan" product to ensure continuous growth in inclusive credit [3] - It has simplified the credit approval process and established a "green channel" for inclusive finance to enhance efficiency and reduce loan disbursement times [3] - A risk prevention mechanism has been established to improve risk identification and management, collaborating with provincial and municipal agricultural guarantees to mitigate credit risks [3] Group 3: Product Innovation - The bank has introduced various financial products tailored to different customer needs, such as "Working Capital Loans" and "Inclusive Credit Loans" for tax-paying enterprises lacking traditional collateral [4] - For technology-driven small and micro enterprises, products like "Intellectual Property Pledge Loans" and "Talent Loans" have been developed to support their research and development needs [4] - The bank also offers "Spring Cultivation Loans" and "Grain Collection Loans" for farmers, providing unsecured credit to support agricultural activities [4] - Products like "Stock Loans" and "Jidang Entrepreneurship Loans" cater to the operational needs of individual businesses [4]