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山西屯留农商银行金融赋能让小葫芦变身致富“金葫芦”
Zheng Quan Ri Bao· 2025-07-08 06:43
Core Viewpoint - Shanxi Tunliu Rural Commercial Bank focuses on local特色农业产业, providing low-interest, unsecured inclusive financial services to meet the funding needs of farmers and new agricultural operators, thereby promoting the "one village, one product" industrial pattern and effectively supporting rural revitalization [1][3]. Group 1: Financial Support and Impact - The bank has issued a total of 4.68 million yuan in loans specifically for the gourd industry, significantly contributing to the development of this sector in Shiqian Village [3]. - The gourd industry has not only generated considerable economic income for villagers but has also revitalized Shiqian Village, making it a well-known特色村 for gourd production, attracting more tourists [3]. - The bank employs a tailored approach to financial solutions, implementing "one industry, one plan" strategies to address the unique financial needs and operational characteristics of local特色产业 [3]. Group 2: Case Study of Gourd Farmer - A local gourd farmer, Xu Zhenmin, expanded his cultivation scale due to increasing market demand but faced funding challenges for necessary investments in seeds, fertilizers, and equipment [2]. - The bank's "Jinxiang e-loan" product provided him with a quick loan of 500,000 yuan, demonstrating the bank's efficient service and commitment to supporting local farmers [2]. - The bank's rapid loan approval process and additional services, such as providing payment code solutions, have been crucial in empowering local farmers like Xu Zhenmin to grow their businesses [2]. Group 3: Overall Agricultural Financing Strategy - As of now, the bank's agricultural loan balance has reached 5.476 billion yuan, reflecting its strong commitment to rural financial support [3]. - The bank's strategy includes on-site financial services and community engagement to maximize the fulfillment of farmers' financial needs [3].
山西沁县农商银行"贷"动富农新篇章
Zheng Quan Ri Bao· 2025-07-03 02:02
Core Viewpoint - Shanxi Qinxian Rural Commercial Bank is committed to serving the agricultural sector and rural revitalization by providing tailored financial services to meet the diverse needs of agricultural entities [1][2]. Group 1: Financial Services and Support - The bank actively engages with local agricultural cooperatives, such as the Nanyuan Pig Farming Cooperative, to understand their financial needs and challenges [1]. - A quick response from the bank led to the disbursement of 300,000 yuan (approximately 43,000 USD) within two days to support the cooperative's operational costs, including purchasing quality feed and vaccines [2]. - The bank has implemented a "ledger-style" management system to streamline loan approval processes and enhance support for the agricultural sector [2]. Group 2: Innovative Financial Products - The bank has introduced specialized loan products like "Agricultural Machinery Loan" and "Grain Easy Loan" with preferential interest rates to reduce financing costs for farmers [2]. - New credit products such as "Jinxiang e-loan," "Code Merchant Loan," and "Salary Loan" have been developed to cater to the specific needs of clients [2][3]. Group 3: Customer Engagement and Relationship Building - The bank has shifted from a passive service model to proactive customer engagement, conducting face-to-face visits to understand client needs better [3]. - A customer visit ledger has been established to track financial needs and prepare for future marketing strategies, aiming to increase customer conversion rates [3]. - The bank's efforts in community engagement have resulted in a continuous growth in customer numbers, enhancing its market presence [3].
山西绛县农商银行“贷”动夏收粮满仓
Zheng Quan Ri Bao· 2025-06-20 08:44
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]
山西武乡农商银行为实体经济注入金融活水
Zheng Quan Ri Bao· 2025-04-29 08:29
Core Viewpoint - Shanxi Wuxiang Rural Commercial Bank is actively fulfilling its mission of serving the people and supporting rural revitalization by enhancing financial services and credit offerings to boost the local economy [1][2]. Group 1: Financial Products and Services - The "Jinxiang e-loan" is a credit loan product tailored for small and micro enterprises, featuring rapid approval and flexible repayment options, providing essential financial support during critical times [2][3]. - The bank has established a diversified product supply system and a multi-dimensional service guarantee system to broaden the scope of financial services [1][2]. Group 2: Support for Local Enterprises - The bank has successfully provided loans to local businesses, such as the Wuxiang Xinsong Stone Cabinet Processing Factory, enabling them to manage cash flow challenges during peak sales seasons [1][2]. - The bank focuses on advanced manufacturing, strategic emerging industries, and local特色优势产业集群 to accelerate loan disbursement and support enterprise growth [2][3]. Group 3: Marketing and Customer Engagement - The bank employs a grid-based marketing approach, conducting detailed visits to farmers and livestock breeders to understand their needs and establish credit records [3]. - Efforts are made to maintain existing customer relationships while expanding the customer base, particularly targeting young entrepreneurs and stable small businesses [3].