为推动吕梁特色产业从"单点突破"向"全链升级"转变，农行吕梁分行立足区域产业优势，聚焦白酒、小 杂粮、核桃三大核心产业，从产品创新、服务升级等方面发力，构建起"全方位、多层次、立体化"的金 融服务体系，切实破解产业发展痛点，激活内生发展动力。 精准"破局"解企业融资难题 "吕梁特色产业多具有'重资产、长周期'特点，尤其是白酒产业，基酒作为核心资产长期面临'估值难、 抵押难、监管难'的困境，大量'液体黄金'沉睡酒窖，无法转化为企业发展动能。"农行吕梁分行相关负 责人告诉记者，为了破解白酒产业这一融资难题，该分行主动下沉服务重心，通过"一产业一方案、一 企业一策略"的精准服务模式，深入产业一线摸清需求、定制方案，助力企业产能跃升、产业升级。 位于吕梁市文水县的山西宗酒酒业股份有限公司，是省级农业产业化龙头企业，深耕清香型白酒酿造数 十年，拥有优质年份基酒价值超4000万元，是当地白酒产业的骨干力量。该公司负责人岳志伟告诉记 者，2025年初，公司计划扩建酿造车间、引进智能化酿造设备，同时扩大优质高粱种植基地规模，进一 步提升产品品质与产能。但基酒窖藏占用大量流动资金，在传统信贷模式下缺乏有效抵押物，公司融资 陷入 ...

Group 1 - The core viewpoint of the articles highlights the proactive measures taken by Shanxi Jiang County Rural Commercial Bank to support local farmers during the summer harvest season, ensuring efficient financial services are provided [1][2][3] - Shanxi Jiang County Rural Commercial Bank has established a "green channel" for credit, reducing the loan approval time to one day, and promoting online services for quick loan applications and disbursements [3][2] - The bank has implemented a grid management system to ensure services reach individual farmers, offering "industry batch credit" and launching financial products like "Jinxiang Loan" to meet diverse financial needs [2][3] Group 2 - Shanxi Jiang County Rural Commercial Bank has conducted thorough investigations to understand the funding needs of farmers, ensuring timely and precise allocation of credit to support summer harvest, planting, and management [2][3] - The bank has organized financial service teams to engage directly with farmers and grain purchasing stations, creating a "whitelist" for effective financial service delivery [3] - The bank's rapid response to loan applications for summer grain purchases has alleviated financial concerns for purchasing entities, enhancing overall service efficiency through mobile banking and online loan applications [3][2]