面对乡村振兴的新形势、新任务,商河农商银行始终坚守"服务三农、助力实体"的初心,以"三针三线"工 作法贯穿金融服务全流程,通过政企银深度合作,织密普惠金融网络,为县域经济发展注入强劲动能。 通讯员 李宪杨 "互动针"穿进政企银融合线 商河农商银行坚持"金融为民"理念,通过优化服务模式、下沉服务重心,打造一支懂农业、爱农村、惠农 民的金融生力军。 "移动银行"服务零距离。商河农商银行积极践行普惠金融理念,组建了23支"红马甲"服务队,他们穿梭在 乡村的田间地头,将"移动银行"服务送到农民家门口。他们带着便携式设备,现场为客户办理各种业务,为 行动不便的老人办理密码修改,确保其资金安全；为刚领到社保卡的村民激活卡片,让他们能及时享受社 保福利。今年以来,累计服务2000余人次,让金融服务的触角延伸到每一个角落,真正实现了"服务零距离, 金融暖人心"。 "金融夜校"筑牢反诈防线。在守护群众财产安全方面,商河农商银行积极开展反诈安全宣传活动,利用厅 堂营销和外拓走村相结合的方式,深入乡村、社区、集市等人员密集场所,向群众宣传反诈知识、金融知 识等。通过发放宣传资料、讲解真实案例、现场答疑解惑等形式,让群众深入了解诈骗 ...

Core Viewpoint - Dongping Rural Commercial Bank is actively promoting high-quality development of inclusive finance in county areas through a series of practical and effective measures [1][2] Group 1: Financial Product Innovation - The bank has launched a variety of tailored loan products to meet the diverse financial needs of small and micro enterprises and "three rural" clients, including "Fumin Greenhouse Loan" and "Fumin Fishery Loan" [1] - "Fumin Greenhouse Loan" provides specialized loan support for vegetable greenhouse growers, helping them expand production and improve yield and quality [1] - "Fumin Fishery Loan" assists fishery farmers in updating equipment and expanding farming areas, promoting the growth of the fishery industry [1] Group 2: Support for Individual Entrepreneurs - The bank has developed products like "Tongxin Leshang Loan" and "Huiqing Business Loan" for individual business owners, featuring flexible borrowing and low-interest rates suitable for frequent cash flow needs [1] - An individual entrepreneur operating a small supermarket successfully obtained a loan of 200,000 yuan through "Tongxin Leshang Loan" to stock up for the Spring Festival, resulting in good sales during the peak season [1] Group 3: Promotion of Policy-Driven Products - The bank promotes policy-based products such as "Ludanhui Agricultural Loan" and "Veteran Entrepreneurship Loan," providing low-interest loans to agricultural operators and preferential rates for veterans starting businesses [2] - A veteran entrepreneur received a loan of 500,000 yuan through the "Veteran Entrepreneurship Loan" to establish an e-commerce platform, purchase equipment, and train employees, facilitating a successful startup [2] Group 4: Future Outlook - Dongping Rural Commercial Bank aims to continue its commitment to serving the real economy, deepen reforms in inclusive finance, and enhance financial service levels to support the economic and social development of Dongping County [2]

Group 1: Financial Services Development - The provincial agricultural credit union is leading the development of financial services in Shandong, focusing on high-quality growth and innovation in credit products [6] - The bank is actively promoting five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [6] Group 2: Technology Finance - The bank has provided comprehensive financial services to technology enterprises, exemplified by a loan of 9.8 million yuan to a high-tech company for intellectual property pledge [7] - As of May, the balance of loans to technology enterprises reached 139.6 billion yuan, an increase of 25.7 billion yuan or 22.56% from the beginning of the year [8] Group 3: Green Finance - The bank has developed over ten specialized credit products for green industries, including "green industry loans" and "carbon emission rights pledge loans" [9] - By the end of May, the balance of green loans reached 81.72 billion yuan, with 65,400 green loan accounts [10] Group 4: Inclusive Finance - The bank has established 340 inclusive financial service points, facilitating financial services in rural areas and supporting small and micro enterprises [11][12] - The balance of loans to small and micro enterprises reached 11,205.6 billion yuan, with an increase of 577.7 billion yuan since the beginning of the year [13] Group 5: Pension Finance - The bank has launched various services to meet the financial needs of the elderly, including home visits and personalized assistance [14] - As of May, the balance of loans in the pension sector reached 17.93 billion yuan, an increase of 960 million yuan from the beginning of the year [15] Group 6: Digital Finance - The bank has developed a comprehensive rural revitalization service platform utilizing internet and big data technologies, facilitating online loans of 35.1 billion yuan [16][17] - By the end of May, the bank had launched ten online products with a loan balance of 128.03 billion yuan [17]

本报记者田耿文 时下正值樱桃丰收季，在山东省平邑县临涧镇，漫山遍野红彤彤的大樱桃如宝石般挂满枝头。 作为"沂蒙大红樱桃之乡"，这里的大樱桃种植面积达1万亩，年产量可达5000余吨，年创收4000余万 元，种植户户均增收超5万元。目前，这里已形成集采摘、旅游、电商于一体的完整特色产业链。 精准滴灌解农需 "我们村175户全靠种樱桃过上幸福生活，不仅能卖鲜果，还能搞采摘游，这多亏平邑农商银行的金 融'及时雨'。"正值樱桃上市旺季，临涧镇大麦滩村村委会主任牛天虎向记者感慨道。 据悉，平邑农商银行早谋划、早部署，通过"政策配套+精准服务+绿色通道"组合拳，为春耕生产保驾 护航。该行与农业部门建立常态化对接机制，为农户量身定制"大棚贷""农机贷"等专项金融产品，通过 利率优惠、流程简化等举措，今年已发放惠农政策性贷款2.71亿元。 同时，该行信贷人员依托智慧营销系统，深入575个行政村开展"一对一"走访，为农户定制融资方案， 累计发放"惠农消费贷"1.67亿元。 针对农户紧急资金需求，该行开辟"三优先"绿色通道，今年投放农业生产信贷资金1.91亿元。其 中，"大棚贷"1450万元、"农机贷"1756万元，确保种子化肥、 ...

金融助推乡村产业全面绿色转型，是对绿水青山就是金山银山理念的践行，是推动乡村生态振兴、建设 美丽乡村和农业强国的重要路径。固原市地处宁夏南部、陕甘宁交汇处，素有"高原绿岛""红色圣地"之 称。中国人民银行固原市分行充分发挥绿色金融的牵引作用，以金融赋能乡村产业绿色转型，为西部生 态脆弱区乡村产业绿色转型提供了鲜活样本。 坚持创新驱动，推动绿色金融资源的精准化匹配。中国人民银行固原市分行依托乡村绿色资源优势，聚 焦冷凉蔬菜、中药材、小杂粮、生态旅游等乡村特色产业，引导金融机构围绕产业链上中下游金融需 求，创新特色化、差异化、场景化的绿色金融产品和服务，打通金融活水精准滴灌乡村产业发展的"最 后一公里"。 冷凉蔬菜是宁夏"六特"产业之一，也是固原市农业优势产业。中国人民银行固原市分行围绕冷凉蔬菜 的"种植、加工、仓储、销售、融合"全产业链条，指导金融机构精准发力，有针对性地支持相关主体高 质量发展。针对上游种植环节的资金需求，该行通过政策引导和产品创新双轮驱动，推动金融机构开发 适配性强的专项信贷产品。以土地经营权、温室产权等绿色资产为核心抵押物，指导国有大行、农商行 等金融机构推出"蔬菜大棚贷""种植e贷""富 ...