本报记者王磊 近年来，山西浮山农商银行立足当地实际，积极引导村民整合房前屋后空余土地，盘活村内闲置庭院， 通过"庭院+种植"方式发展庭院经济，不断延伸农业产业链，让"方寸庭院"变成农户的"聚宝盆"，绘就 乡村振兴美丽画卷。 推开槐埝乡北庄村村民任红强家的院门，草木清香扑面而来。院中110平方米的日光温室大棚里，墨绿 的西瓜蔓顺着支架攀缘生长，碗口大的二茬瓜纽在叶片间若隐若现。 "多亏浮山农商银行的贷款支持，我这'西瓜-西红柿-香菜'三茬轮作的立体种植才能实现。现在二茬瓜长 得不错，今年的收入肯定差不了。"任红强告诉记者。 在灵中村农户郭建新的甜瓜棚内，同样是一番"甜蜜"景象：翠绿的藤蔓间，拳头大小的甜瓜藏身其中， 散发着沁人心脾的香甜气息。 郭建新一边采摘成熟的甜瓜，一边高兴地说："我家院子今年采用的是'茴子白+甜瓜+西红柿'套种模 式，头茬茴子白卖了500元，这茬甜瓜按每斤3元的行情能卖1500元，秋后再种西红柿，还能添千把块钱 收入。多亏农商银行3天就批下5万元贷款，帮我建起钢架大棚，才有现在的好收成。" 浮山农商银行相关负责人向记者表示，为了支持当地农户发展庭院经济，该行以"惠农贷"为依托，为农 户量身 ...

编辑：张岩 产品创新，打造金融支持"百宝箱"。该行创新推出"组团贷""商易贷""续贷通"等特色信贷产品，开展专 项对接、"靶向式"营销，对符合条件的企业及时给予信贷支持，从授信额度到还款期限，从担保方式到 利率优惠，全方位、多层次满足企业主的多样化需求。同时该行充分利用普惠小微贷款支持工具、支农 支小再贷款等货币信贷政策及"惠农贷""创业贷"等政策性产品，针对存在经营困难的中小企业，通过无 还本续贷、展期、降低利率、延期付息等方式精准施策，降低中小微企业转贷成本，助力企业纾困解 难。 暖心服务，搭建银企合作"连心桥"。该行推出"政策引导+服务升级"的综合服务方案，金融服务小分队 以"电子营销地图"为载体，深入产业园区、市场商圈进行"地毯式"对接走访，积极搭建政银企沟通桥 梁，通过举办企业座谈会、宣讲会，上门为企业做好金融知识普及、惠企政策解读、金融产品推介，提 供开户开卡、资金结算、代发代扣等"一站式"综合金融服务，确保将政策、产品和服务送到企业，提升 服务质效，拓展业务发展范围。（郝晓波） 黄河新闻网长治讯：今年以来，屯留农商银行坚守支农支小的市场定位，持续加大对民营企业的金融支 持力度，通过强化走访对接、 ...

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]

动态化利率定价机制，赋能企业融资成本结构优化。一是对符合国家产业政策、发展前景良好的小微企 业，实行利率优惠政策，通过适当下调利率，降低小微企业的利息支出，切实减轻企业的融资负担。今 年以来，累计为376户小微企业实行利率优惠，平均让利0.4个百分点。二是深化银企合作，加大政策性 贷款投放。积极与农担公司、县退役军人事务局、县公共就业和人才服务中心等部门对接，共同推 动"鲁担惠农贷""退役军人创业贷""创业担保贷"等业务，切实将政策性贷款产品的优势发挥出来，更好 发挥金融对小微企业的支持作用。截至5月末，政策性贷款产品余额已达6.32亿元。三是全面实行"阳光 信贷"，将申贷资料名录、各环节办贷时限、监督电话等内容在营业网点、驻点办公场所等显著位置张 贴上墙，主动接受外界监督，牢固树立以客户为中心的服务理念，打造"金融为企"金字招牌。 多维拓宽准入通道，深化普惠服务体系。一是创新担保方式。针对小微企业普遍缺乏抵押物的问题，在 传统的房产、土地抵押外，积极推广知识产权质押、应收账款质押等担保方式，拓宽小微企业的担保渠 道。截至5月末，办理知识产权质押贷款5户、0.44亿元。二是加大信用贷款供给。建立科学的小微企业 ...

Group 1 - The core viewpoint emphasizes the importance of agricultural machinery in ensuring stable grain production, with financial institutions like Yucheng Rural Commercial Bank playing a crucial role in supporting farmers through tailored financial services [1][2] - Yucheng Rural Commercial Bank has established a green loan channel specifically for agricultural machinery production and sales, facilitating the procurement of machinery for summer harvest and planting [1][2] - The bank has implemented various financial products such as "Agricultural Machinery Loan," "Grain Production Increase Loan," and "Grain Purchase Loan" to support the agricultural machinery industry and grain-related enterprises [2] Group 2 - The bank's proactive approach includes forming a dedicated task force to analyze the credit situation for the summer agricultural season and develop a targeted credit funding plan [2] - Financial support measures include differentiated credit support, preferential loan rates, and fee reductions for key agricultural stakeholders such as machinery suppliers, grain processing enterprises, and family farms [2] - The bank aims to enhance the efficiency of credit operations by providing both online and offline financial services, ensuring timely allocation of financial resources to critical agricultural sectors [2]

服务答题，高效响应客户需求。该行畅通电话、微信、手机银行等线上申贷渠道，建立线下审批"绿色 通道"，严格落实限时办结制度。对符合条件的客户，在尽职调查基础上，信用贷款 1 - 2 个工作日内、 保证贷款 2 - 3 个工作日内、抵押贷款 3 - 5 个工作日内办结，推动信贷资金快速直达客户。此外，依 托"综合收单"和"慧农通"，改善辖区客户移动支付安全性和便利性，累计为 4700 户小微商户开通"综合 收单"和"慧农通"服务，日均交易近 7000 笔，为辖区客户日常经营提供支持。 为加大对县域实体经济的支持力度，郓城农商银行采取走访探需、产品创新、服务提质等举措，持续提 供信贷资源，完善金融服务，为县域"三农"、小微企业和社区家庭提供全方位、多层次金融支持。截至 5 月末，全行实体贷款余额 204.05 亿元，较年初增长 5.89亿元。 产品解题，满足多元融资需求。针对辖区客户"短、小、频、急"的融资需求特点，该行坚持以客户为中 心的服务理念，根据不同行业客户群体，动态调整贷款额度、期限、方式和利率，创新推出多款特色信 贷产品，满足县域客户多元化金融需求。例如，为粮食购销客户推出"好郓收粮贷"，为种养殖客户推 ...

水果产业规模化、现代化发展，离不开金融力量的支持。金融如何更好地助力水果产业发展，"贷"动果 香万里？来看这家农商银行是如何做到的。 "多亏了济宁农商银行的信贷支持，我的葡萄新品种种植项目才能顺利运作起来。"济宁长沟镇后薛村的 金田葡萄种植专业合作社负责人老刘激动地说。 加大信贷投放助力种植户提质增收 老刘经营一家葡萄种植合作社，想增加"夏黑""阳光玫瑰"等优质葡萄品种种植、探索全程采用绿色生态 种植方式，但缺少足够的资金。济宁农商银行在得知相关情况后，经过实地考察，顺利为其授信50万 元。有了这笔资金的支持，老刘的葡萄园顺利改进品种，并扩大了种植规模。 为助力葡萄种植业高质量发展，济宁农商银行充分发挥"行业客户清单"优势，积极开展清单式营销，精 准对接葡萄种植专业合作社、葡萄种植大户及葡萄种植农户。同时，组织葡萄种植行业领头人、大户召 开信贷产品宣讲会，大力推介优势信贷产品，全力破解葡萄种植行业的融资难题，金融助力长沟葡萄种 植业提质增收。 截至目前，该行今年累计召开各类宣讲会60余场，葡萄种植业授信覆盖面较年初提升3.7个百分点，累 计投放专项贷款1186万元，较同期增加407万元。 助力葡萄种植业发展， ...

齐鲁晚报.齐鲁壹点李可通讯员曲和钊 夏收结束后，郓城县黄河滩区的高标准农田呈现出现代化农业景象。种粮大户渠先生在田间操控着水肥 一体化智能滴灌设备，他表示，这片700多亩的土地，以前采用地面灌溉需要一个多星期，现在使用滴 灌设备3天就能完成，既省水又省力。渠先生称，这一切得益于郓城农商银行。 此前，该行客户经理在走访中得知，渠先生计划引进水肥一体化智能滴灌设备，但面临资金短缺问题。 该行工作人员主动为渠先生推荐"好郓农机贷"专项信贷产品，2天后，50万贷款到账，使渠先生得以实 施科技种田计划。 目前，该套设备提升了灌溉效率，较传统方式省水省工，还能精准施肥，预计今年亩均增产150斤。 作为服务"三农"的金融主力军，该行将支持农业现代化发展作为重要任务。该行创新信贷产品，推 出"鲁担惠农贷""好郓农机贷"等专项涉农产品，缓解农户资金压力；简化信贷流程，实行阳光办贷和限 时办结制度，最快"T+0"放款；提高服务质效，组建126支普惠金融服务队，深入田间了解农户需求， 提供精准金融支持，推动农业转型升级。 截至5月末，该行各项存款余额478.45亿元，较年初增长24.96亿元；各项贷款余额234.95亿元，较年初 ...

Group 1 - The summer grain harvest is progressing, with 260 million acres of wheat harvested by June 10, reaching a progress rate of 74.72% [1] - Financial institutions are enhancing financial support for agriculture during the critical "Three Summers" production period, ensuring timely services for grain enterprises and farmers [1] - Agricultural production has distinct seasonal and cyclical characteristics, necessitating banks to design targeted financial products that align with the operational features of agricultural entities [1] Group 2 - Everbright Bank has launched a plan for upgrading agricultural machinery, focusing on a "financial + agricultural machinery" service ecosystem to support high-quality agricultural development [2] - Major state-owned commercial banks are providing efficient financial services to grain storage enterprises to ensure the smooth collection of summer grain [2] - The Agricultural Bank of Inner Mongolia provided a supply chain loan of 17.6 million yuan to a local flour production company to address its funding gap during the summer harvest [2] Group 3 - Rural small and medium-sized banks play a crucial role in supporting agriculture by delivering financial services directly to farmers [3] - Innovative loan processes, such as "village credit + online lending," are being implemented to simplify access to financing for large-scale farmers [3] - A stable financial service system is essential for ensuring that key agricultural activities, such as collection, sowing, and fertilization, are not hindered by funding shortages [3]

80 46 62 t 2 18 9 8 1970 19 -276 sel the state 7 3222 FTC2 200 re a The Real a Book State The r r pas the state of the L = 10 a make C CARIT BER the state IT THE W the state - affi 5 GROUP the state tio t STATE F TE'S T Price 6 trongke C 三级走访全覆盖，金融专员送来丰收底气 在沙河辛村的麦田里，归德支行客户经理正拿着平板电脑记录小麦长势，屏幕上智慧营销系统里的农户授信档案随走访动态更新。 当前正值"三夏"农忙时节，济南市各区县的麦田陆续进入集中收割期。长清区归德街道的种粮大户张先生望着自家百亩麦田里饱满的麦穗，难掩丰收的喜 悦。几个月前，他还在为更新灌溉设备的资金缺口发愁。正是济南农商银行"乡村振兴金融专员"走村入户精准服务，让30万元"鲁担惠农贷"及时到账，如今 又追加20万元助力收割储存，彻底解决了他农忙季的资金难题。 长清区归德街道某种粮合作社负责人王大叔至今印象深刻： ...