千里沃野上收割机轰鸣作响，沿着田垄列阵前行；运粮车穿梭不息，确保亿万斤新麦颗粒归仓…… 农时贵如金。"三夏"工作直接关系全年粮食产量与农业稳定。在"三夏"资金"短、频、急"的需求面前， 金融机构不仅面临着一场与时间的赛跑，更在经历着关乎国计民生的金融护航行动。 当更多良田沃野被金融活水灌溉，丰收的旋律更加从容悠扬。在"三夏"生产的关键期，各家银行积极对 接农户与企业实际金融需求，深入田间地头、企业车间，因地制宜施策解难，助力夏粮实现从"田间丰 收"到"仓廪充实"的完美收官。 金融活水护粮仓 走进山东聊城阳谷县的一处收粮点，粮食收储大户王先生的粮仓前车来车往，一派繁忙景象。然而，面 对夏粮丰收，本该高兴的王先生翻开账本，眉头紧皱。 "粮食生意利薄，市场价格不合适就得存着，流动资金占用大。"从事该行业近10年的王先生拥有两座库 容10余吨的粮仓，看着堆满的粮仓，他抹了把汗对《金融时报》记者表示，"尤其到了丰收季，既要给 农户现款收粮，又要备足周转资金，压力特别大。" 对此，中国银行山东分行专门为粮食收购经营主体设计"粮食收储贷"普惠金融服务方案，解了王先生的 燃眉之急，仅用3个工作日便将150万元贷款资金发放到位 ...

■本报记者 郝飞 在"三夏"生产关键期，中国银行积极对接农户与企业实际金融需求，深入田间地头、企业车间，因地制 宜施策解难，全力提升金融服务质效，为"三夏"生产保驾护航。 江苏宿迁沭阳是粮食种植大县，每逢收获季节，粮食收购企业都面临资金需求量增大但又难以提供有效 抵押物的问题。沭阳广胜粮食收购站是当地多家大型粮食加工企业的供应商，每年粮食收购旺季都有较 大资金缺口。了解情况后，中国银行江苏省分行针对性匹配"苏农粮贸贷"，通过无抵押无担保纯信用模 式，解决粮食收购资金周转之急。 近年来，为破解涉农主体"贷款难、贷款贵"的问题，中国银行江苏省分行持续丰富涉农产品体系，创新 推出"苏农粮贸贷""苏农微贷"等普惠型涉农产品，入选江苏省财政风险补偿基金产品"苏农贷"，通过以 纯信用授信为主的方式，强化对新型农业经营主体发展的支持。同时，进一步开通农户贷款审批绿色通 道，提高融资效率，今年以来已惠及农业经营主体超6600户。 "三夏"农忙，粮食收储是关键环节。为支持夏粮收购，保障粮食供应链顺畅稳定，中国银行山东省分行 结合地方优势农业产业，为粮食收购经营主体设计"粮食收储贷"普惠金融服务方案，打通食品加工类企 业的上游原 ...

Core Viewpoint - The article highlights the proactive measures taken by the Bank of China Shandong Branch to support the summer grain harvest and storage through tailored financial services, particularly the "Grain Storage Loan" program, which addresses the liquidity needs of grain storage operators and agricultural enterprises during the busy summer season [1][2][5]. Group 1: Financial Services for Grain Storage - The "Grain Storage Loan" program was designed to alleviate the operational cash flow issues faced by large grain storage operators, ensuring a smooth grain supply chain [1][2]. - Since the launch of the "Grain Storage Loan" at the end of May, the Shandong Branch has issued nearly 40 million yuan in loans, benefiting over 50 grain storage operators [2]. - The program has enabled operators like Mr. Wang, who manages grain storage facilities, to secure timely funding, allowing them to focus on maximizing grain collection and storage [2]. Group 2: Support for Agricultural Enterprises - The Dezhou Branch of the Bank of China has introduced a specialized credit service for small and micro enterprises engaged in grain trading, providing over 17 million yuan in loans to 38 grain trading businesses [3]. - Companies like Jiahong Grain and Oil Co. have benefited from the "Grain Trade Loan," which helps them meet the increased funding demands during the peak grain purchasing season [3]. - The Bank of China Wei Hai Branch has also provided 8 million yuan in unsecured working capital loans to a pesticide production company, supporting its raw material procurement and production needs [4]. Group 3: Future Plans - The Bank of China plans to continue increasing its agricultural credit resources, optimizing financial service processes, and addressing the financing challenges faced by stakeholders in the grain industry [5].