在江苏沭阳县新河镇堰头村月季花基地内，各种各样的月季花姹紫嫣红，清香袭人。当地的花木电商主播在 忙着直播销售，还不断有游客前来赏花和选购。据介绍，堰头村农民种植月季花近3000亩，有200多个品种,通过 线上线下销售，生意十分火爆。 沭阳素有"花木之乡"美誉。花木种植面积60万亩，品种3000余种，花木电商5万余家，从业人员约30万人。年 实现花木销售额200多亿元，是江苏省最大的花木生产县，花木产业已成为当地名副其实的富民产业。 作为地方金融排头兵、农村金融主力军，沭阳农商银行坚守支农支小战略，坚持走普惠金融路线，针对花木 特色，围绕花木种、销、加工等全链条主体需求，及时推出花木惠农贷、花木助商贷、花木兴业贷、花木月季 贷、花木创业贷等花木系列贷款产品，为花木全链条客户提供专属贷款服务，努力让金融服务更加高效、更有温 度。目前，该行发放花木类贷款余额达28.12亿元，不仅适应了当地产业发展的需要，还有效解决了花木种植户经 营发展的后顾之忧。 近年来，沭阳农商银行坚持立足当地、特色经营，围绕"一县一业、一乡一品"， 针对不同产业、不同企业差 异化需求，坚持"一行业一策略、一市场一模式、一企业一方案"，量身定制 ...

Core Insights - The article highlights the innovative use of VEP (Value of Ecosystem Products) assessment reports to secure loans for ecological projects, transforming ecological value into financial capital [1][2] - The collaboration between government, banks, and enterprises has led to the successful implementation of green financial products, addressing long-standing financing challenges in the flower industry [2][3] Group 1: VEP Assessment and Financing - The first VEP ecological value loan of 5 million yuan was issued based on a detailed valuation report, showcasing the potential of ecological contributions in securing financing [1][2] - The establishment of a "government-bank cooperation" mechanism has facilitated the issuance of zero-collateral loans, with VEP reports serving as the core basis for loan approval [2][3] - A total of 802 million yuan in loans has been issued for flower-related projects, indicating a growing interest from financial institutions in the ecological sector [2] Group 2: Ecological Product Valuation - The city of Suqian has created a dynamic ecological product directory, identifying 262 types of ecological products and establishing a framework for ongoing GEP (Gross Ecosystem Product) valuation [3] - The directory aims to provide a standardized measurement for ecological assets, enabling more effective market integration and valuation of these resources [3] Group 3: E-commerce and Market Integration - The integration of e-commerce with ecological products has allowed for the direct market transaction of ecological values, enhancing the visibility and sales of these products [4][5] - The "宿有千香" regional brand has been developed to unify and promote green agricultural and ecological products, achieving sales exceeding 1.2 billion yuan in 2024 [5] - Innovative marketing strategies, such as live streaming sales, have significantly increased consumer engagement and sales volume for ecological products [5]