齐鲁晚报.齐鲁壹点李可通讯员李琛 近年来，成武农商银行坚守服务"三农"和实体经济的经营宗旨，精准投放金融资源，支持地方特色农业 发展，推动"三农"领域实现产业增值。 精准扶持，蛋鸡养殖焕新颜 成武县康集村的宋先生从事花卉种植多年，想扩大玫瑰种植规模、引进新品种并拓展线上销售渠道。销 售旺季临近，资金缺口成为难题。该行康集支行在"走千家、访万户、共成长"活动中得知其融资需求， 客户经理实地考察后，考虑到花卉产业"融资急、用款频"的特点，开通涉农贷款绿色通道，简化审批流 程，仅用两天就发放20万元贷款。宋先生利用这笔资金扩建智能温控大棚、引进新品种、搭建电商直播 展示区，通过线上线下（300959）融合销售，玫瑰产品畅销省内外。 金融助力，蒜乡小米结硕果 大田集镇是大蒜之乡，陈先生却想引种金乡县的金谷小米。从引进谷种、流转土地到购置设备，资金需 求大。该行大田集支行客户经理在"金融夜校"活动中了解到他的创业计划，经实地调查和市场分析，认 为项目前景良好，为其办理15万元"鲁担惠农贷"，解决了担保难、融资贵问题。如今，陈先生的谷物种 植基地已具规模，金灿灿的小米增加了当地种植多样性，也增加了他的收入。 该行通过创新 ...

Core Insights - Chengwu Rural Commercial Bank is committed to supporting local industries through a financial service model that emphasizes precision, online empowerment, and comprehensive coverage, particularly focusing on the garlic industry in Chengwu County [1] Group 1: Individual Needs and Support - The bank has introduced innovative loan products like "Support for Agriculture and Small Loans" and "Bole Huimin Loans" to address the lack of collateral among individual farmers and small enterprises, thereby stimulating industrial development [2] - A local garlic farmer, Mr. Wang, benefited from a 500,000 yuan "Ludang Huinong Loan" to expand his planting scale and improve crop quality, showcasing the bank's proactive approach in understanding and addressing individual financial needs [2] Group 2: Streamlining Industry Operations - The bank extends its financial services beyond planting to include purchasing, storage, processing, and sales, effectively enhancing the value chain of the garlic industry [3] - A tailored "Bole Storage Loan" of 800,000 yuan was provided to a garlic purchaser, significantly improving his cash flow and enabling him to double his purchasing scale, which positively impacted local farmers [3] Group 3: Empowering Regional Development - The bank's support for individual farmers and the entire supply chain contributes to the cluster and brand development of the garlic industry in Chengwu County, aligning with local government initiatives [4] - The bank is involved in building standardized planting demonstration bases and modern cold storage facilities, which enhance the industry's resilience and value [4] - Future plans include deepening the "point-line-surface" service model to provide higher quality financial services, supporting rural revitalization and high-quality economic development [4]

Core Viewpoint - The article highlights the significant role of Chengwu Rural Commercial Bank in supporting local agricultural development through tailored financial products, which have enabled farmers to enhance their production capabilities and increase their income. Group 1: Financial Support for Farmers - Chengwu Rural Commercial Bank provided a loan of 100,000 yuan to a farmer, Mr. Li, allowing him to build new greenhouses and potentially increase his annual income by over 50,000 yuan [2] - Another farmer, Mr. Qiao, received a loan of 100,000 yuan to renovate his aging greenhouses, which improved the insulation and growth conditions for his crops [2] - The bank has issued over 10.73 million yuan in loans for greenhouse projects this year, demonstrating its commitment to agricultural financing [3] Group 2: Customized Financial Products - The bank tailored a loan of 300,000 yuan for a large-scale grower, Mr. Miao, to install automated irrigation and climate control systems, which is expected to increase crop yield by 30% [3] - Chengwu Rural Commercial Bank has introduced various loan products such as "Bole Huimin Loan" and "Support for Agriculture and Small Loans," facilitating quick access to funds for farmers [3] Group 3: Community Engagement and Education - The bank's customer managers conducted extensive field visits to understand the financial needs of greenhouse farmers, establishing a comprehensive list of clients [3] - Initiatives like financial night schools have been organized to educate farmers about agricultural policies and financial services, ensuring they are well-informed [3] Group 4: Future Outlook - With strong financial backing, the greenhouse planting industry in Chengwu County is thriving, contributing to rural revitalization and economic growth [4] - Chengwu Rural Commercial Bank plans to continue focusing on specialty agriculture, offering flexible financial products and services to sustain rural development [4]