近年来，山西屯留农商银行积极践行"乡村振兴主办行"社会责任，聚焦主责主业，坚持从服务"三农"工 作大局出发，结合区域农业产业发展状况，以"三个结合"为具体路径，为乡村振兴发展注入农信力量， 为金融服务乡村全面振兴探索新路径。截至2025年10月中旬，该行涉农贷款余额54.43亿元，较年初净 增2.69亿元。 "造血"特色产业 "双基"联动助农增收 近年来，屯留农商银行探索与基层组织深度合作，发展普惠金融，为村民提供源源不断的金融支持。 屯留农商银行建立村级党组织和基层党支部"双基"联动机制，利用"整村授信"开展"上门式"服务，最大 化满足农户金融需求，纵深推进金融助力乡村振兴工作，实现资源共享、优势互补。 北浒庄村党支部成立了"彩色辣椒种植专业合作社"，计划对彩色辣椒进行规模化种植并建设深加工车 间。在项目因设备采购和技术升级面临资金缺口时，屯留农商银行主动对接需求，累计为86位大棚种植 户投放"富农贷""惠农贷"等大棚种植类资金2850万元，助力北浒庄村形成彩色辣椒种植基地，带动村集 体年增收40余万元。 屯留农商银行以金融村干部为依托，对辖区农户进行了广泛而深入的信息采集，截至目前已走访行政村 175个， ...

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]

Group 1 - The core viewpoint of the articles emphasizes the role of Dongfang Rural Commercial Bank in supporting summer grain production through innovative financial services and loan offerings [1][2] - The bank has issued specialized loans totaling 82.88 million yuan, benefiting over 300 farmers and agricultural entities, thereby facilitating various stages of summer grain production [1] - A dedicated service team has been established to provide "one-stop" financial services directly to farmers, enhancing the bank's engagement in rural areas [1] Group 2 - The bank has implemented a green approval channel for summer grain-related loans, ensuring priority processing and significantly improving service efficiency [2] - Financial technology is utilized to streamline application materials and optimize the online approval system, allowing for rapid loan disbursement, with "Agricultural Machinery Loans" being processed in as little as 15 minutes [2] - Future plans include continuing to refine financial service models based on summer grain production experiences to support rural revitalization and national food security [2]

Core Viewpoint - The company emphasizes its commitment to serving agriculture and rural areas, leveraging a collaborative model involving government, enterprises, and financial institutions to enhance financial services and support rural revitalization efforts [1][2][3]. Group 1: Financial Services and Collaboration - The company adopts a "government + enterprise + finance" model to promote collaboration, establishing a new service framework for agriculture that involves local government leadership and enterprise participation [1]. - A regular cooperation mechanism has been established with local party branches and agricultural departments to enhance the effectiveness of financial services [1]. - The company has signed strategic cooperation agreements with local business associations, providing credit lines to support local enterprises [1]. Group 2: Support for Small and Micro Enterprises - The company has implemented a "thousand enterprises and ten thousand households" outreach initiative to understand the needs of small and micro enterprises, having visited 5,387 businesses by the end of May [2]. - Specialized loan products such as "Spring Plowing Loan" and "Grain Collection Loan" have been introduced to cater to the unique needs of agricultural production [2]. - A total of 2.5 billion yuan in agricultural loans has been disbursed this year, ensuring timely financial support for agricultural operations [2]. Group 3: Community Engagement and Financial Education - The company has formed 23 service teams to provide mobile banking services directly in rural areas, reaching over 2,000 individuals this year [3]. - Financial literacy and anti-fraud campaigns have been conducted, with over 500 events held and more than 8,000 participants educated on financial safety [3]. Group 4: Emergency Support for Enterprises - The company has launched an "emergency transfer loan" service to assist enterprises affected by market fluctuations, helping them manage financial challenges effectively [4]. Group 5: Digital Transformation and Product Innovation - A digital platform has been developed to streamline loan applications, significantly reducing approval times from 1-2 days to immediate processing [6]. - Customized financial products have been introduced to meet local agricultural needs, including loans for greenhouses and agricultural machinery, with loan limits reaching up to 3 million yuan for certain agricultural entities [6]. Group 6: Dynamic Interaction and Service Optimization - A tripartite mechanism involving banks, government, and small enterprises has been established to ensure that financial services are practical and effective, with regular meetings to address the needs of small business owners [7].

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]