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 ...

Core Insights - The successful issuance of a 10 million yuan base liquor mortgage loan by Agricultural Bank of China, Luliang Branch, marks a significant breakthrough in addressing financing challenges for liquor enterprises in Shanxi Province [1][2] Group 1: Financing Innovation - The loan is the first of its kind in Shanxi Province, utilizing base liquor as collateral, which has traditionally been undervalued and unregulated in conventional credit models [1] - Agricultural Bank of China introduced the "Jin Niang e-loan" series to convert "liquid assets" into "liquid funds" through on-site and intelligent dynamic supervision [1][2] Group 2: Economic Impact - The loan will enable Shanxi Zongjiu Liquor Co., Ltd. to purchase new equipment and expand its brewing workshop, with an expected capacity increase of 40%, thereby enhancing the local liquor industry's quality and efficiency [1] - This initiative exemplifies how the financial system in Luliang is innovatively supporting the real economy and precision-targeting the development of characteristic industries [2] Group 3: Broader Implications - The use of advanced technologies such as IoT and AI has effectively addressed the challenges of collateral and regulatory oversight for base liquor, improving financing accessibility for liquor enterprises [2] - This model serves as a reference for other financial institutions to support "heavy asset, long-cycle" industries and sectors involving bulk agricultural products and high-end raw materials, showcasing its replicable and scalable value [2]