图为青岛夏庄麦田喜获丰收。 投放更快 助力夏收颗粒归仓 "收粮食最忙的时候，每天能收2000到3000吨，每天周转资金大约在600万元。这时候最担心的就是资金 短缺，影响粮食收购。"收粮户徐祥宾说道。 又到一年"三夏"时节，齐鲁大地麦浪翻滚、遍地金黄。勤劳的农民一边收获春的寄托，一边播种秋的希 望。截至6月10日，山东收获夏粮小麦近六成，千里沃野丰收正忙。 山东省农信联社指导全省农商银行坚守支农支小市场定位，在农忙时节，组织"红马甲"金融服务队走村 入户，广泛开展驻村（点）办公，将信贷支持、惠农政策、志愿服务、反诈知识等送到田间地头，全力 以赴助力百姓开好夏收"第一镰"、种好夏种"第一种"、做好夏管"每一环"。目前，全省农商银行涉农贷 款余额达9239.2亿元，较年初增长325.8亿元。 除了提升线上信贷服务水平之外，山东省农信联社还创新推出"慧农通"功能，实现订单、支付、对账全 流程线上化，让用户轻松可查，提升交易效率与透明度。 "原来收粮都是一手粮一手钱，一到收粮季节，我就需要挨家银行取现金，宝贵的收粮时间大部分浪费 在去银行的路上，现在用上莱阳农商银行的'慧农通'，手机轻轻一点，款项就过去了，真是太方便 ...

"慧农通"以手机银行为入口，构建"支付+管理+融资"一体化服务。从产品设计伊始，省联社就注重提升 客户操作体验，"慧农通"支持农户一键生成专属收款码，收购商可扫码下单、批量结算，操作十分便 捷；为提升客户"一站式"服务体验，省联社还凭借银行自身的服务资源，提供了政务信息、进销存管 理、贷款授信等功能，满足农产品收购场景下多元化服务需求，延长产业服务链条，无设备投入、零交 易手续费。这一模式不仅提升普惠金融可得性，更推动农商银行服务从"人力帮工"转向"数字赋能"，实 现从"输血"到"造血"的质变。 政银协作典范：写好山东金融"五篇大文章" "慧农通"作为省联社高效落实《山东省数字化农业突破行动方案》的数字化举措，是农商银行在推进绿 色金融、普惠金融、数字金融等关键领域的创新实践方案。具体展现为以科技减碳，通过推广电子支付 和数字化交易，大幅减少传统现金和凭证印制、运输等环节的能源消耗，显著降低碳排放，助力实现绿 色金融目标；以数据增信，系统积累的海量交易流水数据，为涉农贷款提供精准征信支撑，利用大数据 分析技术，提升贷款审批效率和风险控制能力；以生态共赢，平台推动农产品销售全链条标准化发展， 促进农民增收和市场 ...

活动期间，辖属22家网点开展各具特色的主题活动，用金融温度致敬父爱。营业部开展"礼献父亲节"主题活动，借助金融知识万里行宣传契机，积极向男性 客户介绍金融知识，开展厅堂互动，传递美好节日祝福。利津支行组织"父爱如山 感恩有您"厅堂主题活动，以微沙龙方式宣讲防范电信诈骗和非法集资等 知识，介绍慧农通等助农金融业务，在浓厚的节日氛围中提升金融服务获得感。刁口支行走进周边工厂、社区，宣传金融知识，抵制集资诈骗，邀约男性客 户走进厅堂，共叙银企合作，积极介绍手机银行、社保卡等便捷金融服务，一起共度温馨节日。付窝支行开展"父爱如山 感恩相伴"主题活动，主动关注男 父亲节之际，为弘扬传统美德，营造节日氛围，利津农商银行开展"父爱如山 感恩相伴"主题活动，通过棋牌赛、啤酒花束DIY等各种富有特色的活动，加强 对男性客户的关心关注，传递温馨关怀。 下一步，利津农商银行将继续秉持"百姓信赖的贴心银行"理念，围绕重要节日和客户需求，持续创新服务形式，丰富服务内涵，在全方位、全身心做好金融 服务的同时，为客户带来更多有温度、有惊喜的服务体验。 （通讯员 潘义军） 性客户，积极介绍绑卡支付等优惠活动，征求金融服务建议，在相知相伴中不 ...

在强化信贷支持的同时，今年，利津农商银行还在夏粮收购中引入"慧农通"数字化结算方式，以手机银行为入口，通过"扫码下单+实时支付"方式，收购资 金可当场直接划入售粮农户的银行卡账户，粮款两清、实时到账，有效解决了现金携带不便、找零以及转账额度限制等问题。 利津农商银行将信贷支持三夏生产作为当前工作的重中之重，针对夏粮收购"短、频、急"的特点，及时关注市场变化，精准掌握夏收信息，扩大信贷投放， 提供结算便利，优化金融服务，保障三夏生产资金充足、平稳有序。截至6月15日，全行累计为全县40余户夏粮购销农户授信6000余万元。下一步，该行将 持续紧盯三夏生产金融需求，以更实举措、更优服务，做到"需求发现在田间、问题解决在现场"，确保服务不断档、支持再加力。 （通讯员 李文亮） 从5月份开始，利津农商银行就组建了多支"三夏"金融服务小分队，深入田间地头和收购一线，对种植户、合作社和收购、加工企业进行"网格化"摸排，一 户一档建立动态资金需求清单，将资信优良、群众认可、经营稳健的夏粮收购农户纳入"白名单"优先扶持，及时满足各类资金需求。 麦香四溢、颗粒归仓，又到一年夏粮丰收季。利津农商银行针对夏粮收购融资"短频急"特点， ...

Group 1 - The article highlights the proactive measures taken by Shandong Rural Credit Union to support farmers during the summer harvest season, emphasizing the importance of timely financial services [1][2] - Shandong Rural Credit Union has guided local rural banks to engage in outreach activities to assess financial needs, ensuring that farmers receive necessary credit support promptly [2][3] - As of now, the loan balance for key industry clients in Shandong's rural banks has reached 92.235 billion yuan, an increase of 15.635 billion yuan since the beginning of the year [3] Group 2 - The article discusses the introduction of the "Huinong Tong" feature, which streamlines the payment process for farmers, allowing them to receive funds quickly and efficiently [4][5] - Currently, 333,600 purchasing merchants and 989,000 farmers have signed up for the "Huinong Tong" service, processing 307,500 payment orders amounting to 1.689 billion yuan [5] - Shandong Rural Credit Union has launched over 50 financial products aimed at supporting agricultural entrepreneurs, enhancing farmers' income and agricultural efficiency [6][7] Group 3 - The total agricultural loan balance in Shandong's rural banks has reached 923.92 billion yuan, reflecting an increase of 32.58 billion yuan since the start of the year [8]

Core Viewpoint - The article highlights the proactive financial support provided by Jinan Rural Commercial Bank to farmers during the busy summer harvest season, showcasing innovative loan products and digital platforms that enhance agricultural productivity and financial accessibility [1][5][8]. Group 1: Financial Support Initiatives - Jinan Rural Commercial Bank has established a three-tiered service system to address the slow response and accessibility issues in traditional financial services, involving city-level coordination, district-level collaboration, and village-level presence [5]. - The bank has issued a total of 15.2 billion yuan in rural revitalization special loans this year, supporting over 2,000 grain producers and helping more than 4,000 agricultural merchants expand their sales channels [13]. - The bank has successfully provided 8.6 million yuan in credit to 450 agricultural entities through targeted visits, ensuring timely funding for fertilizer purchases and agricultural equipment upgrades [5]. Group 2: Innovative Loan Products - Jinan Rural Commercial Bank has introduced various policy-based interest-subsidized loan products, including "Ludang Huinong Loan," "Jidang Chuangye Loan," and "Jidang Huo Li Loan," to alleviate the financial burdens on agricultural entities [8]. - This year, the bank has issued 25.8 million yuan in "Ludang Huinong Loan" to 34 agricultural operators and 375 million yuan in "Jidang Chuangye Loan" to support 862 entrepreneurs [8]. - The bank has implemented a fast-track credit approval process, ensuring that loan applications, approvals, and disbursements are completed within five working days to meet the urgent funding needs during the summer harvest [8]. Group 3: Digital Platforms and Market Integration - The bank has developed the "Huinong Tong" agricultural product trading platform, facilitating online transactions and improving the efficiency of payment and settlement processes for farmers and buyers [12]. - As of the end of May, the bank has signed over 800 merchants to the "Huinong Tong" platform, facilitating transactions worth 5.9 million yuan [12]. - The collaboration with Kuangshan Agricultural Product Trading Market has enhanced digital service capabilities, providing integrated services that include payment, traceability, and management for over 1,500 merchants, with annual transaction amounts exceeding 450 million yuan [12].

Core Viewpoint - The company is actively addressing the challenges faced by grain purchasing merchants during the harvest season by launching various exclusive activities to enhance payment efficiency and strengthen collaboration with merchants [1] Group 1: Multi-faceted Payment Services - The bank has introduced a "code" settlement activity that includes three practical components: zero transaction fee for "Huinongtong" QR code payments, comprehensive payment code services supporting multiple payment channels, and a dedicated "Grain Loan" to meet the funding needs of grain merchants [2] Group 2: Online and Offline Promotion - The bank has intensified its promotional efforts through both online and offline channels, including the distribution of promotional posters and direct outreach to grain merchants, resulting in 306 posters posted and 298 merchants visited, significantly increasing local market awareness [3] Group 3: Special Assessment to Enhance Marketing Effectiveness - A special assessment plan has been implemented to motivate all employees in marketing, enhancing their proactive marketing awareness and improving overall marketing effectiveness through various outreach activities, thereby strengthening the bank's brand image and relationships with merchants [4]

Core Viewpoint - The article highlights the significant role of Chengwu Rural Commercial Bank in supporting the local garlic industry, enhancing financial services, and facilitating the growth of garlic farmers' income through innovative financial solutions and timely support [1][2][3][4]. Group 1: Financial Support for Farmers - Chengwu Rural Commercial Bank has actively engaged with local garlic farmers, providing tailored financial services to meet their specific needs, such as offering a loan of 400,000 yuan to a farmer who expanded his planting area to nearly 500 acres [2]. - The bank has simplified the loan approval process and established a green service channel to ensure timely funding for garlic cultivation, thus preventing delays in agricultural activities [2]. Group 2: Support for the Garlic Supply Chain - The bank has developed specialized financial products like "Garlic e-loan" for garlic purchasers and "Garlic Membership Warehouse Pledge Loan" for storage enterprises, addressing the diverse financial needs across the garlic supply chain [3]. - A garlic purchaser received a loan of 500,000 yuan from the bank, which helped him secure 500 tons of garlic this year, demonstrating the bank's role in facilitating timely purchases [3]. Group 3: Innovative Payment Solutions - The bank has promoted the "Smart Farmer" payment system to enhance transaction efficiency and reduce cash usage in garlic trading, making it easier for farmers to receive payments directly to their bank accounts [4]. - Financial service points have been established in major garlic trading markets, providing one-stop financial services such as account opening, transfers, and inquiries, thereby improving accessibility for farmers and merchants [4]. Group 4: Overall Impact on the Garlic Industry - The comprehensive financial support from Chengwu Rural Commercial Bank has contributed to the robust development of the local garlic industry, creating a complete supply chain from planting to processing, storage, and sales [4]. - The integration of financial services with the garlic industry is fostering significant growth and prosperity in the region, showcasing the bank's commitment to rural revitalization and support for agriculture [4].