齐鲁晚报·齐鲁壹点 王旭奎 小微企业融资协调工作机制建立以来，东阿县已取得了阶段性成果，为了让更多小微企业受益，东阿金 融监管支局深入开展千企万户大走访活动，针对性开启"二次走访"及"三次走访"，联合多部门找原因想 办法，破解企业融资"坚冰"。截至7月底，东阿县普惠型小微企业贷款余额57.80亿元，较年初增长 9.93%，高于各项贷款增速6.42个百分点，切实提升了小微企业融资可得性。 "金融温度"让服务解锁"新可能" "没想到这么快就能拿到贷款！这下订单有了着落，今年的生产计划可以顺利推进了！"鑫淼智能装备 （聊城）有限公司负责人说。 今年以来，东阿金融监管支局聚焦科技、民营、外贸三大重点领域，持续推进小微机制"扩围增效"，督 导银行机构对有信贷需求的企业开通绿色通道，加快审查审批效率，切实提高广大市场主体的金融获得 感、满意度。截至7月底，通过千企万户大走访活动全县已有3826家民营企业获得贷款36.78亿元、79家 科技型中小企业获得贷款10.46亿元、28家外贸企业获得贷款1.89亿元。 山东东阿济韵阿胶制药有限公司是一家持有国药准字的三胶生产龙头企业，拥有全国最大胶类单体生产 车间。然而，前期银行走 ...

同样受益于邮储银行信贷支持的还有位于朔州市应县经济技术开发区的山西华伟陶瓷科技有限公司（以 下简称"华伟陶瓷"）。据悉，该公司主要生产新型陶瓷产品——超薄岩板大板。这种由特殊工艺加工出 的产品可以大规模替代天然石材、木材、人造石材、玻璃、金属等。 ■本报记者 王磊 山西省朔州市拥有储量丰富、品位极高的陶瓷原料——高岭土，有着始于春秋战国的悠久瓷器生产史。 如今，陶瓷产业已成为朔州高质量发展的支柱产业。 为全面支持朔州陶瓷制造业提质升级，邮储银行朔州市分行不断优化金融举措，丰富金融产品，根据企 业特点和发展需求开展定制化服务，降低企业融资成本，提高企业融资积极性，为地方特色产业高质量 发展注入源源不断的金融"活水"，助力朔州陶瓷产业焕发新生。 走进朔州怀仁市亿家亲陶瓷有限责任公司（以下简称"亿家亲陶瓷"）的生产车间，工人们正在有条不紊 地操控设备、检验产品，一条条生产线高速运转，一件件陶瓷制品经过制模、成型、干燥、施釉等程 序，最终制成成品。 公司总经理刘敏告诉《农村金融时报》记者，公司以生产各种日用瓷、酒店用瓷为主，生产的瓷器透光 度高、釉面光泽度好。投产以来，依靠质量和信誉赢得了众多客户，逐步成为当地行业标 ...

Core Viewpoint - Postal Savings Bank of China (PSBC) is actively supporting rural revitalization through innovative financial products, focusing on agricultural financing to enhance the vitality of rural industries [1][2][3][4][5] Group 1: Financial Products and Services - PSBC has introduced various financial products such as "Credit Loan," "Industry Loan," and "Express Loan" to address the financing challenges faced by farmers and agricultural operators [1] - As of June 30, PSBC's Yongfeng County branch has disbursed over 300 million yuan in personal loans, benefiting more than 800 households with over 700 million yuan in loans for new agricultural entities [1][2] Group 2: Impact on Agricultural Development - The introduction of the "Industry Loan" has enabled farmers like Li Xiaoqiang to expand their peach orchards from 5 acres to 75 acres, leading to the establishment of a 3,500-acre peach industry in the region [2] - The total peach production in the area is expected to exceed 1.5 million pounds this year, generating over 12 million yuan in revenue, with an average annual income increase of over 30,000 yuan per household [2] Group 3: Success Stories of Farmers - Farmers like Chen Xue have benefited from PSBC's "Online Credit User" loans, allowing them to manage their operations effectively without collateral, leading to significant income increases [3] - The lotus farming area has expanded to over 2,000 acres, with more than 500 households experiencing an average income increase of over 20,000 yuan annually, transforming the region into a prosperous agricultural hub [3] Group 4: Community and Cooperative Development - The "Express Loan" has facilitated the expansion of family farms, enabling farmers to increase their planting areas and introduce high-end crops, significantly boosting their income [4][5] - PSBC's targeted credit strategies for six major income-generating industries have led to the creation of over 3,000 jobs in the county, with family farm owners becoming key players in rural revitalization [5]

Core Viewpoint - The integration of financial support and cultural heritage preservation is revitalizing the bamboo weaving industry in Quxian, Sichuan, transforming it from a struggling craft to a thriving business model through innovative financing solutions [1][2]. Group 1: Industry Challenges - The Liu bamboo weaving technique faced significant challenges due to industrialization and changing market aesthetics, leading to a decline in skilled artisans and low annual production value of less than 10 million yuan before 2010 [1]. - At that time, there were fewer than 100 professional bamboo weavers in the county, and both raw material cultivation and craft innovation were stagnating due to a lack of funding [1]. Group 2: Financial Solutions - Postal Savings Bank of Dazhou City established a financial support network for the bamboo weaving industry, offering specialized credit support and financial services tailored to the unique needs of the industry [1][2]. - The bank's flagship credit product, "Micro Easy Loan," provides credit loans up to 5 million yuan per individual, focusing on credit loans with auxiliary guarantees, and has a dedicated service team for the bamboo weaving sector [1]. Group 3: Development Initiatives - To promote the bamboo weaving industry from scattered workshops to clustered development, the bank has created a financial service team that has established financing profiles for over 500 merchants in key areas such as bamboo weaving parks and trading markets [2]. - The bank has also introduced differentiated support plans, including "Fast Loan" for individual artisans and loans up to 10 million yuan for leading enterprises, along with innovative financing solutions for bamboo seedling growers [2]. Group 4: Cultural and Economic Impact - Recently, the bank approved an 80 million yuan special credit for bamboo seedling projects, marking the first "Forest Four Libraries" industry loan in Sichuan, aimed at supporting the cultivation of high-quality bamboo seedlings over 20,000 acres along the river [2]. - The financial empowerment has led to the establishment of the Eastern Sichuan Bamboo Weaving Art Academy, training over 200 professional artisans annually, and the introduction of modern design concepts, with high-end bamboo products selling for over 500,000 yuan each [2].

Core Viewpoint - The article highlights the significant contributions of Postal Savings Bank of China Sichuan Branch in supporting local economic development through various financial services, particularly in technology innovation, rural revitalization, private enterprises, and cultural tourism consumption. Group 1: Financial Support for Technology Innovation - As of June 2023, the loan balance for technology innovation enterprises exceeded 19 billion yuan, with 5,582 technology enterprises receiving specialized financial services [6][7] - The bank has developed a "three-dimensional" financial service system for technology innovation, including a technology flow evaluation system and tailored financial products [7] - Innovative products like "Sci-Tech e-loan" have enabled companies to convert intellectual property into substantial credit support, exemplified by a company receiving 10 million yuan in credit [7] Group 2: Support for Rural Revitalization - The bank's "mobile financial service team" provided a timely 480,000 yuan "industry loan" to a farmer, facilitating access to funds without leaving home [8] - A supply chain enterprise received 18 million yuan in credit support, benefiting hundreds of local farmers and transforming from a workshop-style business to a provincial-level key leading enterprise [8] Group 3: Support for Private Enterprises - The bank injected nearly 100 million yuan into a cold chain logistics base, enhancing the efficiency of the regional cold chain network [8] - The "Express Loan" product enabled a business owner to secure 500,000 yuan in just three days, demonstrating the bank's quick response to private enterprise needs [8] Group 4: Support for Cultural Tourism Consumption - A new store funded with 220,000 yuan in flexible loans became a local hotspot, showcasing the bank's role in stimulating small business growth [9] - The bank's "consumption discount activities" have been well-received in local tourist attractions, reinforcing its position as a promoter of cultural tourism integration [9] Group 5: Future Outlook - The bank plans to continue focusing on key areas such as technology finance, inclusive finance for rural revitalization, green finance, and consumer finance to stimulate market vitality [9]

Core Insights - The article highlights the role of Postal Savings Bank of China in supporting local industries in Guangdong province, particularly in tea, abalone, and ganoderma cultivation, through tailored financial services [1][2][4][5][8]. Group 1: Tea Industry Support - Postal Savings Bank's Yingde branch provided a timely loan of 3 million yuan to Yingde Tea Industry Co., ensuring smooth spring tea production [2]. - The bank has developed specialized financial products like "Tea Wholesale and Retail Industry Loan" to address the seasonal financing needs of tea farmers and enterprises [4]. - As of June 2025, the bank has issued loans totaling 197 million yuan to the Yingde tea industry, benefiting over 100 tea farmers [4]. Group 2: Abalone Industry Development - The bank's Huizhou branch facilitated a loan of 4 million yuan within four days to support abalone farming operations facing cash flow challenges [5][7]. - Financial products such as "Quick Loan" and "Aquaculture Industry Loan" have been introduced to address the high upfront costs and risks associated with abalone farming [7]. - By June 2025, the bank has provided over 150 million yuan in loans to the abalone industry, serving more than 2,000 enterprises and farmers [7]. Group 3: Ganoderma Cultivation Initiatives - The bank's Pingyuan branch implemented a "Credit Village" model, allowing farmers to access loans up to 600,000 yuan based on credit assessments [8][9]. - The bank has issued 68 loans totaling over 20 million yuan to support the ganoderma industry as of June 2025 [8]. - The successful implementation of the "Credit Village" model has led to the establishment of a collaborative economic system involving ganoderma, dendrobium, and other crops, enhancing local economic development [9]. Group 4: Overall Financial Impact - The bank has launched over 140 specialized credit schemes across various industries in Guangdong, with total loans exceeding 30 billion yuan, benefiting nearly 30,000 local enterprises [9]. - The focus on tailored financial solutions aims to accelerate rural revitalization and support the "Hundred Million Project" in the region [1][9].

Group 1 - The traditional festivals of Kaiyang Festival and Xieyang Festival in Xiangshan are recognized as national intangible cultural heritage and have been integrated with the local economy, boosting the development of fisheries, tourism, and related industries [1] - Postal Savings Bank of Ningbo has provided financial services to support the protection and inheritance of intangible cultural heritage, injecting financial resources into traditional festival activities [1] Group 2 - The Kaiyang Festival marks the beginning of the fishing season for Xiangshan fishermen, who face financial challenges in preparing necessary supplies like diesel and fishing gear [2] - Fisherman Wu Hongbin sold his old boat and invested over 7 million yuan in a new vessel, but faced cash flow issues for renovations and equipment purchases, which were alleviated by a 3.04 million yuan ship mortgage loan from Postal Savings Bank [2] - Wu also utilized the bank's "Express Loan" product to secure an additional 300,000 yuan for diesel reserves ahead of the festival [2] Group 3 - The intangible cultural heritage extends to various segments of the fishing industry, with companies like Ningbo Tiannan Aquatic Products Co., Ltd. actively participating in seafood procurement during the festival [3] - Tiannan Aquatic Products reported daily transaction volumes exceeding 1 million yuan, necessitating sufficient working capital to support operations [3] - The company invested over 31 million yuan in expanding its facilities and equipment, leading to liquidity challenges, which were addressed by a 12 million yuan credit facility from Postal Savings Bank [3][4] Group 4 - Postal Savings Bank has developed specialized financial products to support the intangible cultural heritage-related industry chain, including flexible credit support for small and micro enterprises in the fishing sector [4] - The bank has conducted financial literacy campaigns to educate fishermen and businesses about financial policies, enhancing their financial awareness [4] - The bank aims to continue its efforts in supporting the transmission of intangible cultural heritage and economic development in the fishing community [4]

Group 1 - The core viewpoint of the articles highlights the significant role of China Postal Savings Bank in providing financial support to rural revitalization efforts, enabling agricultural entrepreneurs to expand their operations and improve their livelihoods [1][5][8] - The transformation of agricultural operations is illustrated through the experiences of various entrepreneurs, such as Yan Zengsheng, who expanded from 4 to 23 grape greenhouses with the help of a 300,000 yuan loan, increasing his annual income from 50,000 yuan to over 500,000 yuan [3][7] - Zhang Yanqin's company benefited from a 23 million yuan loan, allowing it to increase grain storage capacity from 50,000 tons to 150,000 tons, with projected sales exceeding 300 million yuan by 2025, tripling its revenue since 2016 [5][8] Group 2 - Zhao Qingfeng's agricultural business received a 500,000 yuan quick loan, which facilitated the recovery and expansion of his operations to 70 greenhouses, including a new 200-hectare medicinal herb base, with expected yields exceeding 20,000 yuan per acre in three years [7][8] - The bank's commitment to rural credit system construction is evident, having established 1,071 credit villages and disbursed 3.618 billion yuan in loans, effectively supporting various agricultural sectors [8] - The bank's tailored financial products, such as "industry loans" and "quick loans," have led to an annual average of over 150 million yuan in agricultural loans, supporting 43 new agricultural entities in the past three years [7][8]

Core Insights - Fuzhou is recognized as the largest goldfish breeding base in China, with a sales revenue of 1.2 billion yuan in 2024, maintaining its leading position nationally and exporting to over ten countries and regions [1] - The development of the goldfish industry in Fuzhou is significantly supported by tailored financial solutions from Postal Savings Bank, facilitating the industry's expansion into new markets [1] Group 1: Financial Support and Upgrades - The Nanton Chun Garden Koi Ecological Breeding Farm in Fuzhou faced severe damage from a super typhoon, leading to the destruction of its filtration system and loss of seedlings, which halted operations [2] - Postal Savings Bank provided timely financial support exceeding 2 million yuan, enabling the farm to repair its filtration system and upgrade its facilities [2] Group 2: Industry Development and Impact - Post-upgrade, the breeding farm has seen a 30% increase in breeding efficiency due to a new filtration system, and visitor numbers have surged by 50% year-on-year [3] - The farm has adopted an innovative model combining breeding farms, cooperatives, bases, and farmers, benefiting over 200 local households with an average annual income increase of over 30,000 yuan [3] - Fuzhou's goldfish industry is primarily concentrated in Nanton County, which accounts for 70% of the city's breeding volume, with Postal Savings Bank actively engaging with over 80 breeding enterprises to provide customized financial products [3][4]

Group 1: Tourism and Economic Activity - The summer tourism boom has led to an influx of visitors in regions like Gansu and Guangdong, stimulating local consumption and economic activity [1] - Gansu's Linxia City has simplified loan approval processes for small businesses, addressing financing challenges for micro-enterprises in the tourism sector [1] - In Guangdong's Tongtang Town, innovative financial services have been introduced to support rural tourism businesses, with over 14 million yuan in loans issued by local banks [3] Group 2: Youth Activities and Education - Various summer activities for youth have been organized in Chongqing, Hainan, and Zhejiang, promoting educational and recreational experiences [4] - Hainan's summer research tours are gaining popularity, with parents viewing them as a means to enhance children's education through experiential learning [6] - In Ningbo, Zhejiang, sports activities such as football and swimming are becoming popular choices for children during the summer [8] Group 3: Travel and Transportation Trends - The travel market is experiencing significant growth, with family and student travel being the primary demographics, and long-distance travel accounting for over 60% of bookings [9] - Domestic flight bookings have surpassed 25.61 million as of July 7, with international flight bookings also showing a 7% year-on-year increase [9] - The national railway is expected to transport 953 million passengers during the summer travel season, reflecting a 5.8% increase compared to the previous year [13]