中国发展网讯 记者高杨报道 7月10日，记者从山东省粮食和物资储备局召开的新闻通气会上获悉，近年 来，为支持粮食购销贸易企业和龙头加工企业健康发展，破解粮食收购企业融资难、融资贵、担保难等 问题，中国农业发展银行山东省分行创新推广信保基金贷模式。自2018年全省建设首支基金以来，农发 行已通过粮食收购贷款信保基金与78家粮食收购企业达成合作，累计发放信用保证基金模式下贷款183 亿元，支持收购粮食650万吨，有力保障了粮食收购市场健康运行。 动态管理，掌握"进度表"。启动募集后，立即在全省农发行系统内转发《募集通知》，部署相关工作， 正式启动基金认缴资格认定工作。对意向使用基金客户和基金认缴流程实行动态管理，及时实时掌握最 新业务进展。 加强培训，明确"责任田"。在全省粮棉油条线工作会议上，省分行分管副行长余飞同志再次对该项工作 进行了重点强调和部署，相关业务人员专门对省级粮食收购信用保证基金认缴流程和贷款办理流程进行 了讲解。辖内每个分支机构设置一名专职客户经理，确保信用保证基金业务咨询与办理精确到人，责任 到人，杜绝服务"真空"。截至目前，已向农发行申请粮食收购信用保证基金客户16家，意向缴存金额 500 ...

Core Insights - The Shandong Provincial Grain and Material Reserve Bureau has successfully launched the Grain Purchase Loan Credit Guarantee Fund, which has significantly contributed to food security by facilitating financial support for grain enterprises [2][4]. Group 1: Fund Performance and Impact - The first phase of the fund has raised a total of 260 million yuan, leveraging a 1:3 funding ratio between provincial finance and participating enterprises, resulting in a total loan issuance of 2.5 billion yuan to 61 grain enterprises [2]. - The fund has enabled the purchase of approximately 1.2 million tons of grain, with two-thirds of the participating enterprises being private, showcasing the fund's inclusive impact [2]. - The fund's operational model has been recognized as a best practice by the National Grain and Material Reserve Bureau, promoting it as a model for market-oriented financing in grain procurement nationwide [2]. Group 2: Second Phase Fund Launch - The second phase of the fund has been officially launched, with a fundraising period of 60 days starting from June 24, inviting enterprises engaged in grain-related activities to participate [3]. - The participation criteria require enterprises to be registered in Shandong and involved in grain purchasing, sales, storage, or processing, with a minimum contribution starting at 1 million yuan [3]. - The fund maintains the same financial support ratio of 1:3, aiming to reduce financing costs for enterprises while ensuring timely benefits from the fund's operations [3]. Group 3: Strategic Importance - The Grain Purchase Loan Credit Guarantee Fund is viewed as a crucial initiative for stabilizing the market, benefiting enterprises, and ensuring food security [4]. - The provincial fund office emphasizes the importance of optimizing services and maintaining a robust risk management framework to ensure effective fund utilization and recovery [4].

Core Viewpoint - The establishment of the Shandong Province Grain Purchase Loan Credit Guarantee Fund aims to enhance the management and operation of grain purchase loans, ensuring farmers' interests and market stability [1][2]. Group 1: Fund Management and Structure - The newly issued management method consists of seven chapters and forty-eight articles, covering the entire process of fund establishment, operation, and supervision [2]. - The fund has a total upper limit of 400 million yuan, with enterprises able to contribute up to 300 million yuan, which has proven sufficient to meet enterprise needs based on initial operational practices [2]. - The loan management process specifies application procedures and loan limits, allowing loans up to ten times the amount contributed by enterprises, while enhancing fund and inventory supervision [2]. - A nine-member fund management committee has been established, including leaders from three departments and the top two grain enterprise contributors, promoting a more grounded and fair decision-making process [2][3]. Group 2: Flexibility and Risk Management - The participation process has been made more flexible, allowing enterprises to join the fund two months before the summer and autumn grain purchases, catering to their dynamic needs [2]. - The exit mechanism has been optimized, allowing for immediate refunds in cases of non-approval or loan denial, and permitting enterprises to exit during the fund's liquidation period [2]. - Stricter risk control measures have been introduced, including a "double zero" requirement for bank loans and grain inventory before the next purchase season to mitigate risks related to grain hoarding and price fluctuations [2]. Group 3: Policy Stability and Implementation - The fund's duration has been extended from three years to five years, enhancing policy continuity [3]. - To maximize the effectiveness of the policy during the critical summer grain purchase period, the Shandong Province Grain and Material Reserve Bureau has implemented three specific measures to assist grain enterprises in participating in the fund [4]. - These measures include issuing recruitment notices to grain administrative departments, providing business consultation contacts on the bureau's website, and establishing a "one-stop" service mechanism for comprehensive guidance [4].

本报记者黄力辉 据了解，今年以来，该支行以党建为统领，深入践行"执行国家意志、服务'三农'需求、遵循银行规 律"的核心理念，以服务乡村振兴为己任，在保障国家粮食安全、巩固拓展脱贫攻坚成果同乡村振兴有 效衔接等重点领域持续发力，力促重点项目落地见效。截至7月10日，全行累计投放贷款3.42亿元，贷 款余额达15.44亿元。 青冈县地处世界黄金玉米带，具有玉米种植面积广、品质好和产量高等区位优势。今年以来，该支行深 入研判粮食市场形势，积极与粮食主管部门及企业沟通对接，精准掌握企业融资需求，在严控风险的前 提下，切实发挥粮食收购资金供应主渠道的作用，向地方粮食收购企业投放收购贷款0.8亿元，既保障 了企业入市收购资金的充足、维护了粮食市场稳定，又有效解决了农民售粮难题。 为全面加快金融服务水平提档升级，该支行开通高效结算服务"绿色通道"，推出预约制账户管理服务， 确保客户提前熟悉业务流程、提升开户效率，实现"事前多沟通，客户少跑腿"。今年以来，该支行累计 开立账户7户，同步签约网上银行6户。 该支行还推广线上业务办理模式，显著压缩柜面业务处理时长，全面提升业务处理效率。 "下半年，我行将继续认真贯彻落实农发行各项 ...

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 ...

Core Viewpoint - The financial institutions are actively supporting the summer grain harvest by providing specialized financial services to ensure sufficient credit supply and facilitate the entire agricultural production chain [1][2][3]. Financial Support for Grain Harvest - Banks are optimizing financial supply to meet the concentrated funding needs of grain enterprises, ensuring that credit is available for grain storage and agricultural inputs [2]. - Major state-owned commercial banks are taking the lead in focusing on grain-producing areas, assessing funding needs, and arranging special credit plans [2]. - In Jiangsu, as of the end of May, the balance of inclusive agricultural loans reached 12.6 trillion yuan, with loans in key grain areas amounting to 454.345 billion yuan [2]. Agricultural Loan Initiatives - In Dong'a County, the Agricultural Bank's financial service team is actively engaging with farmers to understand their funding needs, resulting in a total of 72.62 million yuan in grain purchase loans granted to 90 households [3]. - The Agricultural Bank of Shandong Province reported a county loan balance of 573.3 billion yuan, an increase of 25.3 billion yuan since the beginning of the year [3]. Mechanization and Financial Challenges - Over 800,000 combine harvesters were deployed nationwide during the summer harvest, with a mechanization rate exceeding 75% [4]. - Despite the advancements, agricultural machinery dealers face financing difficulties due to long production cycles and slow downstream payments [4]. Innovative Financial Solutions - The Bank of China in Zhumadian has introduced an ecological chain service for agricultural machinery, providing comprehensive credit of 5 million yuan to address funding challenges [5]. - As of May 31, the bank has issued 1.25 billion yuan in agricultural machinery loans to support various aspects of the industry [6]. Digital Financial Services - Digital financial services are playing a crucial role in the summer harvest, with banks simplifying loan approval processes and ensuring rapid fund disbursement [6]. - Large state-owned banks are utilizing IoT and big data to offer online agricultural services, enhancing efficiency in serving farmers [6]. Future Directions for Agricultural Finance - There is a need to advance the digital transformation of agricultural credit services, utilizing big data to create agricultural credit profiles [7]. - Improving rural digital infrastructure and enhancing the adoption of digital financial services are essential for better support of agricultural financing [7].

Group 1 - The core viewpoint emphasizes the importance of agricultural machinery in ensuring stable grain production, with financial institutions like Yucheng Rural Commercial Bank playing a crucial role in supporting farmers through tailored financial services [1][2] - Yucheng Rural Commercial Bank has established a green loan channel specifically for agricultural machinery production and sales, facilitating the procurement of machinery for summer harvest and planting [1][2] - The bank has implemented various financial products such as "Agricultural Machinery Loan," "Grain Production Increase Loan," and "Grain Purchase Loan" to support the agricultural machinery industry and grain-related enterprises [2] Group 2 - The bank's proactive approach includes forming a dedicated task force to analyze the credit situation for the summer agricultural season and develop a targeted credit funding plan [2] - Financial support measures include differentiated credit support, preferential loan rates, and fee reductions for key agricultural stakeholders such as machinery suppliers, grain processing enterprises, and family farms [2] - The bank aims to enhance the efficiency of credit operations by providing both online and offline financial services, ensuring timely allocation of financial resources to critical agricultural sectors [2]

6月的河南，金色麦浪翻涌，麦芒映着骄阳，处处洋溢着丰收的喜悦。然而，新乡市原阳县的收粮大户 毛大哥此时为粮食收购资金犯了难。在中国人民银行新乡市分行的政策引导下，邮储银行（601658）新 乡市分行在"百县千镇万村"走访活动中主动上门服务，建档授信一站式完成，100万元资金秒批到账， 毛大哥的困难迎刃而解。"银行真中！"望着院子里的麦粒堆儿，毛大哥笑道。 新乡市在中原粮仓建设中具有重要地位，"三夏"工作是其全年农业生产的重要一环，关乎粮食安全和农 民收益。中国人民银行新乡市分行坚决扛牢金融支持粮食安全责任，构建"政策先行+资金撬动"的双驱 动机制，引领银行机构打造"三早三化"金融服务体系，推动形成"粮库有钱等粮、农户有款收粮"的良性 循环。2025年以来，该行累计发放再贷款再贴现17.04亿元，当前余额19.76亿元，惠及市场主体3241 户。截至2025年5月末，新乡市各银行机构涉农贷款余额达1546.8亿元，为粮食生产提供了有力金融支 持。 夏粮抢收分秒必争。中国人民银行新乡市分行紧扣政策导向，力求做好金融"五篇大文章"与"三夏"服务 深度融合发展。牵头制定《金融"五篇大文章"服务专班建设方案》，通过宣讲 ...

在中国经济的广袤田野上，小微企业如繁星点点，汇聚成推动发展的磅礴力量。 为更好地服务小微企业，中国银行（601988）依托小微企业融资协调工作机制有关要求，建立"支持小 微企业融资专班"，组织"千企万户大走访"活动，进一步统筹全行资源，提升对小微企业融资的支持力 度。 从雪域高原到江南水乡，从田间地头到跨境商海，中行人用脚步丈量需求，用创新破解难题，让金融活 水精准滴灌每一寸热土，彰显大行担当与家国情怀。 截至今年3月末，中国银行普惠贷款余额2.53万亿元，当年新增2486.49亿元，同比多增262.80亿元。贷 款户数165.25万户，当年新增15.72万户，同比多增3.14万户。 在江苏苏州，阳澄湖大闸蟹是当地特色农产品中一张重要名片。中国银行对阳澄湖水产养殖特色产业市 场进行调研，并根据小微客群企业个性化场景下的金融需求，出台区域贷款产品——"蟹协贷"，重点支 持蟹塘改造、螃蟹养殖及流转经营等领域。 中国式现代化，乡村振兴是个大课题。中国银行坚持深耕普惠金融，建立起以专班机制为核心的多层次 服务体系，不断创新金融服务模式，优化资源配置，为农村经济主体提供真正"用得起、用得上、用得 快"的金融服务。结合各 ...

来源：环球网 近日，河南多地进入夏收、夏种、夏管"三夏"农忙期。对此，工行河南省分行下辖各地市机构深入走 访、对接需求、及时跟进服务，全链条为"三夏"生产保驾护航。 在周口市，工行河南周口分行组织辖属支行网点工作人员组成"服务队"，深入田间地头开展"送清凉"活 动，为辛勤劳作的乡亲以及坚守一线的驻村工作队员送去矿泉水、花露水、毛巾等防暑物资，让他们在 炎炎夏日感受到丝丝清凉。同时，服务队积极宣传国家金融惠农政策，详细介绍工行"种植e贷"等产 品，为农户提供业务咨询服务，普及金融知识。 在新乡市，工行河南辉县支行紧抓夏粮丰收的关键节点，组织人员走访农机合作社、粮食合作社以及个 体收购大户，逐户调研摸底，掌握资金需求情况。针对收粮户用钱急、时间短、频率高的特点，该支行 量身定制服务方案，适配工行"粮食收购贷"等产品，并开通信贷审批绿色通道，以高效的金融供给全力 保障夏收时节"颗粒归仓"。截至5月末，该行已为50多户夏粮收购户授信8000多万元，有效缓解了收粮 户的资金压力。 在商丘市，工行河南商丘分行构建"线上+线下"融合服务体系，贴合客户实际，推广"新一代经营快 贷"，支持农户线上"一次授信、随借随还"。搭建全 ...