让良种繁育跑出"加速度" 粮安天下，种铸基石。作为拥有84.2万亩小麦、35万亩大蒜和25万亩辣椒的农业大县，巨野县的沃野良 田里，流淌着最珍贵的资源，优良的种子。目前，全县小麦良种繁育覆盖率已达99%。从实验室到试验 田，再从试验田到万亩良田，这是良种走向市场的关键一步。然而，种业生产投入大、周期长、风险 高，规模化繁育往往面临资金周转的难题。 针对种业生产缺乏有效抵押物的痛点，巨野农商银行大力推广信用贷款，实现快速审批放款。在麒麟 镇，一家种粮合作社计划引进新型烘干设备以应对阴雨天气带来的霉变风险，但资金存在缺口。该行第 一时间为其办理了100万元"鲁担惠农贷"，解了燃眉之急。如今，设备一到位，粮食安全更有保障，合 作社扩大良种繁育面积的底气也更足了。 齐鲁晚报.齐鲁壹点程建华通讯员刘文川 近年来，巨野农商银行始终坚守服务"三农"的市场定位，紧扣地方经济发展脉搏，将金融资源向种业振 兴领域倾斜，以金融之力绘就种业振兴的新图景。 在龙堌镇，种粮大户宋某社在发展智慧农业时遇到资金难题。巨野农商银行通过"福麟惠农贷"为其提供 150万元资金支持，帮助他建成物联网"四情"监测站。如今，宋某社实现了智能农田管理，亩 ...

Core Viewpoint - The company, Juyi Rural Commercial Bank, integrates its development with the regional economy, focusing on deep customer marketing and precise financial services to empower the real economy and promote high-quality development through a symbiotic relationship between finance and industry [1] Group 1: Customer Service Strategy - The bank emphasizes "service down to the grassroots and deep customer cultivation" as its foundation, shifting from a broad approach to a targeted one through a "grid-based" marketing service system [2] - Customer managers conduct in-depth visits and surveys to understand the financing needs, production cycles, and operational characteristics of core customer groups, establishing dynamic credit profiles [2] - This approach not only narrows the gap between banks and enterprises but also extends financial services to the "capillaries" of economic and social development, laying a solid foundation for precise policy implementation [2] Group 2: Empowering Specialty Industries - The bank focuses on local agricultural resources and industry layout, supporting food security and specialty planting through innovative financial products like "planting loans" and "agricultural machinery loans" [3] - Specific financial solutions are provided for the garlic industry, covering the entire supply chain from planting to cold storage and sales, transforming small-scale garlic production into a significant industry [3] - The bank also supports emerging sectors such as rural tourism and ecological farming by customizing credit products to enhance economic advantages from ecological resources [3] Group 3: Product and Service Innovation - To meet the diverse and personalized financial needs of industry customers, the bank continuously innovates its products and services, developing flexible options like accounts receivable pledges [4] - The bank promotes an online credit platform to enhance financing convenience, allowing data to do the heavy lifting while minimizing customer effort [4] - Interest rate discounts are offered to key sectors such as agriculture and small enterprises, effectively lowering financing costs and benefiting both businesses and farmers [4]

Core Viewpoint - The article highlights the significant role of Jiuye Rural Commercial Bank in supporting the agricultural sector, particularly in the breeding of high-quality seeds, which is crucial for the local economy in Jiuye County, Shandong Province [1] Group 1: Financial Support for Seed Breeding - Jiuye Rural Commercial Bank has achieved a 99% coverage rate for high-quality wheat seed breeding in the county, demonstrating its commitment to serving the agricultural sector [1] - The bank has designed targeted financial service plans to support the large-scale production of seeds, addressing the funding needs of seed breeding processes [2] Group 2: Comprehensive Financial Services - The bank provides a full range of financial support to various stakeholders in the seed industry, ensuring collaborative development across the entire industry chain [3] - Jiuye Rural Commercial Bank assists seed enterprises in signing order agreements with farmers, offering prices 15%-20% higher than the market rate to secure both farmer income and seed supply [3] Group 3: Innovative Financial Products - The bank promotes credit loans without collateral to facilitate quick approval and disbursement, catering to the high investment and risk nature of seed production [2] - It offers differentiated credit products tailored to various agricultural entities, including "Fulin Huimin Loan" for ordinary farmers and "Fulin Jinhua Loan" for women entrepreneurs [3]

Group 1 - The core viewpoint of the articles highlights the efforts of Jiyu Rural Commercial Bank in supporting local tourism and green industries through financial services and community engagement [1][2] - The bank has provided a total of 9.61 million yuan in credit to 68 households in Shitouzhai Village for the development of local tourism infrastructure and traditional crafts [1] - As of the end of August, the bank's total loan balance reached 15.762 billion yuan, indicating a strong commitment to rural economic development [2] Group 2 - The bank has implemented a strategy of "Party building co-construction" with local grassroots organizations to enhance rural development initiatives [2] - Financial services are tailored to meet the specific needs of local residents, with innovative loan products introduced to facilitate entrepreneurship [2] - The bank actively engages with the community by providing on-site financial services and maintaining customer information records to ensure continuous support [2]

Core Viewpoint - The company is leveraging local resources and tourism industry development to promote the growth of the homestay and small processing industries, thereby driving local economic development [1] Group 1: Financial Support and Community Engagement - The Walnut Garden Branch of the company has engaged in party-building activities with local village organizations to support residents in developing the tourism industry, providing a total credit of 9.61 million yuan to 68 households in Shitouzhai Village for local scenic area construction and homestay development [1] - A traditional oil processing project in Shitouzhai Village received timely loan support, enabling the establishment of a workshop that showcases the oil-making process, attracting tourists and increasing local income [1] - The company provided 500,000 yuan to support a local farmer in growing chili peppers, which has also become a tourist attraction during the harvest season [1] Group 2: Green Industry Development - The company is focusing on supporting green industries, including tourism, green planting, and straw recycling, as part of its efforts to assist in building beautiful rural areas [1] - Party branches collaborate with rural grassroots organizations to discuss rural development strategies, utilizing "financial village heads" and targeted credit support to promote rural economic growth [1] - The company conducts on-site visits to understand local residents' needs for developing green industries, creating financial service plans, and establishing customer information archives [1] Group 3: Financial Product Innovation - The company has introduced nearly 10 new financial products since the beginning of the year, including "New Year Loan," "Fulin Huimin Loan," "Yijia Loan," and "Fulin Women's Loan," all featuring preferential interest rates and online processing [1] - These innovative financial products aim to encourage local residents to engage in entrepreneurship and economic development [1]

Core Insights - The company is actively enhancing the quality of life for local residents by innovating financial products and optimizing services in line with national policies aimed at expanding domestic demand and promoting consumption [1][2] Group 1: Financial Support Initiatives - The company has introduced the "Fulin Huimin Loan" to assist residents in upgrading their household appliances, resulting in significant savings through government subsidies [1] - The bank is participating in local government initiatives to boost consumption, such as the "Huishang Jiuye 2025 Consumption Promotion Conference," where it promotes financial products related to consumption [2] Group 2: E-commerce and Employment - The company is supporting the growth of e-commerce by increasing the number of supported e-commerce enterprises and online retail stores, facilitating convenient shopping for customers [2] - This initiative has created over 5,000 job opportunities in the local community, contributing to economic development [2]