为进一步降低融资门槛，威海银行深化"财政+银行+担保"协作，推广"惠农贷"，以"贴息、降本、增 信"组合拳，将政策红利转化为乡村发展动力。 绿水青山就是金山银山。威海银行锚定"双碳"与乡村振兴融合发展方向，精准破解生态资源"难度量、 难抵押、难转化"痛点，构建起"盘活存量+激励增量"的绿色金融产品矩阵，以金融活水精准浇灌现代农 业绿色发展之路。 为盘活生态资本，威海银行创新质押模式，突破传统押品范畴，将环境权益转化为融资信用。推出"碳 汇预期收益权质押贷款""碳排放权质押贷款"，发放全国首笔"渔业贝类碳汇指数保险质押贷款"，为蓝 色生态产品价值实现开辟新路径。 同时，该行深化挂钩机制激励绿色生产，创新推出"生物多样性+可持续挂钩贷款"，将利率与生态目标 动态关联，为天津蟹稻共生项目投放1000万元融资，以金融杠杆引导转型，从资金提供者转变为农业绿 色发展"激励伙伴"。 在聚焦普惠服务方面，威海银行推广"绿农贷"，累计为近千家农户提供5亿元支持，并坚持"精准滴 灌"，定制特色信贷产品："大蒜贷""辣椒贷""杂粮贷""瓜子贷""板栗贷""苹果贷""西洋参贷"覆盖农副产 品；"养殖贷""鲍鱼贷""牡蛎贷"助力海洋特 ...

Core Viewpoint - Agricultural Bank of China (ABC) Luliang Branch focuses on supporting local特色产业 and rural revitalization through innovative financial products and precise services, enhancing the quality and efficiency of local industries [1] Group 1: Financing Challenges and Solutions - Luliang's特色产业, particularly the white wine industry, faces challenges such as asset-heavy and long-cycle characteristics, leading to difficulties in valuation, collateral, and regulation [2] - ABC Luliang Branch developed a tailored financing solution for Shanxi Zongjiu Wine Co., which has over 40 million yuan in high-quality base liquor but struggled to secure financing due to lack of effective collateral [2][3] - The branch successfully provided a 10 million yuan base liquor mortgage loan within five working days, marking the first such loan in Shanxi province [3] Group 2: Comprehensive Financial Empowerment - ABC Luliang Branch aims to transition from "single-point breakthroughs" to "full-chain upgrades" by focusing on key industries such as white wine, small grains, and walnuts, creating a multi-dimensional financial service system [4] - The branch has introduced various innovative credit products, including "Jinjiang e-loan" for base liquor and "white wine industry chain loan" for upstream and downstream stakeholders, as well as "grain loan" and "walnut loan" for agricultural sectors [4] - For small businesses, the "code loan" product allows for online applications and approvals, with funds available in as little as 40 minutes [4] Group 3: Service Upgrades and Collaboration - The branch enhances service convenience through technology, offering a smart loan platform for easy loan applications and approvals, with funds disbursed in as little as 2 hours [5] - It has established financial service stations in 13 counties and created mobile teams to provide on-site services, making financial assistance more accessible [5] - The branch collaborates with government, enterprises, and cooperatives to create a multi-party platform for industry development, facilitating communication and financial policy dissemination [5][6]