齐鲁晚报·齐鲁壹点 程建华 通讯员 刘文川 精耕细作，筑牢县域服务根基 巨野农商银行深深植根于地方沃土，坚持网点下沉、服务下沉、资金下沉。通过优化网点布局，提升乡 镇网点服务功能，建设农村金融便民服务站，打通金融服务"最后一公里"。客户经理常态化走村入户、 深入田间地头与企业车间，精准把握农户、新型农业经营主体、小微企业的金融需求，将普惠金融 的"毛细血管"延伸至县域经济的每个角落。这种"接地气"的服务模式，不仅巩固了与本土客户的鱼水情 深，更构筑了难以复制的渠道和客户基础优势。 精准滴灌，赋能实体经济发展 普惠民生，践行金融责任担当 巨野农商银行始终坚持金融工作的政治性、人民性，积极践行社会责任。持续开展金融知识普及宣传， 守护百姓"钱袋子"；全力配合落实各项惠民惠农财政补贴资金代发工作；深入推进"整村授信"，为乡村 振兴引入金融"活水"；不断优化老年人等特殊群体服务体验。在服务民生、促进共同富裕中彰显了地方 银行的责任与温度，赢得了社会各界的广泛赞誉，品牌美誉度持续提升。 作为地方金融主力军，巨野农商银行始终坚守服务"三农"和实体经济的初心，将县域作为金融服务 的"主阵地"和"责任田"，通过不断创新服务模 ...

"依托政策护航及农商银行的资金支持，我们在健身器材消费赛道上稳步前行，成功把赛事流量转化为 销售增量，有效促进了县域消费扩容提质"，该公司财务人员说。 无独有偶，在金融活水的精准滴灌下，山东帝豪家具有限公司也迎来了产销两旺局面。宁津农商银行客 户经理靠前服务、主动对接，及时为企业发放了300万元的"普惠小微信用贷"，有效缓解了资金压力， 帮助企业走上高质量发展"快车道"。 近年来，宁津农商银行围绕消费焕新，主动下沉服务重心，优化银企对接，强化信贷供给。同时该行充 分发挥数字化营销团队作用，持续开展重点行业客群营销，及时满足经营主体融资需求，助推特色产业 发展，为县域消费扩容提质保驾护航。截至2025年末，该行各项贷款余额78.5亿元，其中发放实体贷款 73.16亿元。（任立志 林清治） 消费是经济增长的关键环节和重要引擎。近期，随着"赛事经济"升温，德州市宁津县出现了产业兴旺、 消费焕新的双赢局面。成绩的背后，离不开政策指引和农商银行金融活水精准滴灌。 健身器材是宁津县特色产业之一。走进山东罗赛罗德健康产业有限公司成品展厅，各式各样的健身器材 一应俱全，整个展厅场景布置井然有序，吸引来自全国各地的客商采购下单 ...

Core Viewpoint - Small and micro enterprises, along with private enterprises, are vital components of Yantai's economy, driving industrial upgrades and stabilizing employment and livelihoods. The local financial regulatory bureau is urging rural commercial banks to innovate credit products and enhance service quality to support these enterprises in overcoming challenges and achieving mutual prosperity [1]. Group 1: Financial Support for Small Enterprises - Yantai's rural commercial banks are committed to providing over 70 billion yuan in new loans to the real economy by 2025, with total loans exceeding 100 billion yuan [1]. - The banks have introduced over 20 specialized financial products tailored to local industries, including "fishing boat loans" and "sea cucumber loans," and have issued more than 93 billion yuan in loans to support local industries this year [3]. - Approximately 3,000 farmers have received over 1 billion yuan in credit support, focusing on agricultural logistics, brand development, and production-sales connections [3]. Group 2: Innovative Financial Solutions - A local beekeeper received a 300,000 yuan "entrepreneurial guarantee loan" from a rural commercial bank, enabling him to expand his apiary from 68 to 600 hives [2]. - The bank has developed a digital payment platform for a leading agricultural enterprise, significantly improving transaction efficiency from 3 minutes to mere seconds, with over 76,000 transactions amounting to over 7 million yuan during the cherry season [6][7]. Group 3: Service Efficiency and Accessibility - The banks are enhancing loan application processes by promoting online channels and providing immediate approvals, as demonstrated by a clothing store owner who received a 100,000 yuan loan within minutes [4]. - The financial institutions are actively engaging with local businesses through on-site visits and personalized service, ensuring timely support for urgent funding needs [4][8]. Group 4: Comprehensive Financial Strategies - The banks are implementing a one-stop, comprehensive financial service plan for businesses, addressing their entire lifecycle and financing needs [8]. - New credit products such as "Rukou loans" and "intellectual property pledge loans" have been introduced to meet the diverse needs of private enterprises [9]. - A collaborative mechanism with financing guarantee companies has been established to alleviate the challenges faced by private enterprises in securing guarantees [9].

Group 1 - Pingyuan Rural Commercial Bank has provided significant financial support to green industries, injecting strong momentum into the low-carbon transformation of county economies, with green enterprise loan scale reaching 188 million yuan as of early July, an increase of 15 million yuan since the beginning of the year [1] - The company Shunyang Environmental Materials Co., Ltd. has benefited from the bank's support, producing high-end packaging products from waste paper, with a production capacity that allows for a container of 700,000 products to be shipped to Tianjin Port every two days, exporting to countries like Germany and Singapore [1] - Since its establishment in August 2018, Shunyang has developed a resource-recycling industrial chain, transforming waste paper into green products through technological innovation, supported by Pingyuan Rural Commercial Bank's financial assistance [1] Group 2 - The bank focuses on supporting the national "dual carbon" goals by promoting low-carbon, circular, and ecologically sound development in county economies, actively financing clean energy and environmental protection industries [2] - The bank has innovated mechanisms to integrate green credit concepts into business processes, providing specialized support for energy-saving and renewable energy industries [2] - A diverse product matrix has been established, including "Lukou Loan," "Green Industry Loan," and "Inclusive Small and Micro Credit Loan," effectively reducing financing costs for enterprises [2]