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在福鼎乡村沃土上深耕细作
Jin Rong Shi Bao· 2025-07-17 03:14
Core Viewpoint - Fujian Fuding Hengxing Village Bank has been dedicated to providing financial services to local communities and small enterprises for 15 years, significantly contributing to local economic development and rural revitalization [1][2][8] Group 1: Financial Performance - As of May 2025, the bank's total assets reached 5.926 billion yuan, with deposits amounting to 4.62 billion yuan and loans totaling 4.952 billion yuan [1] Group 2: Innovative Practices - The bank has implemented the "Three Integrations and Three Innovations, Four Reds and Four News"党建工作法, integrating party building with marketing management to enhance service efficiency [2] - A total of 3.2 billion yuan in credit has been granted, covering nearly 2,000 business entities through partnerships with local industry associations [2][3] Group 3: Product Development - The bank has launched the "Five Color Loan" series, achieving over 90% market adaptability for individual loan products [3] - The bank's tea-related loans amount to 1.488 billion yuan, accounting for 32.44% of its total loans, serving nearly 10,000 tea industry clients [3] Group 4: Service Expansion - The bank has established a grid-based financial service model, dividing the city into 201 grids to enhance coverage and precision in service delivery [4][5] - The bank has upgraded its physical branches to improve customer experience, incorporating features like coffee bars and children's activity areas [5] Group 5: Risk Management - The bank emphasizes proactive risk prevention, implementing strict due diligence and a dual-signature mechanism for new loans [6][7] - A dedicated team has been formed to address non-performing loans, and a financial dispute mediation center has been established [6] Group 6: Social Responsibility - The bank has invested over 7.6 million yuan in social welfare initiatives, demonstrating its commitment to community support and social responsibility [8] - Ongoing charitable activities include educational support and assistance for vulnerable groups, reflecting the bank's ethos of giving back to society [8] Group 7: Future Outlook - The bank plans to focus on rural revitalization and small enterprises, accelerate digital transformation, and enhance risk management to ensure stable operations [9]
“联链通”平台融资5000万元 助力湖北绿叶变“金叶”
Sou Hu Cai Jing· 2025-05-17 01:07
湖北日报全媒记者 胡弦 通讯员 张延 张诗洋 石颖颖 曾经的茶叶企业,大多面临3个月的回款周期,存货周转周期将近7个月。想发展,只能以时间换空间,慢慢熬。 为了迅速让绿叶变"金叶",近日,湖北联投集团旗下"联链通"平台围绕绿茶、红茶及菊花等茶饮原料采购、生产加工、销售等相关场景,以湖北楚茶科技集 团为核心企业,以链上企业诉求为出发点,积极提供一揽子融资解决方案,累计落地业务规模超5000万元。 茶企资金压力大影响发展 湖北楚茶科技集团有限公司成立于2016年,是一家专注新式茶饮生产加工的国家高新技术企业,业务覆盖杯茶、袋泡茶等多元品类,以及自动售茶机、新零 售等前沿领域。 "联链通"平台巧降融资成本 为切实解决产业供应链上企业融资难、融资贵等问题,联投资本成立了供应链协同创新工作专班,旨在围绕"联链通"平台,在产业链场景探索、供应链金融 产品创新、供应链资产搜集等多个方面进行研究和实践。 联投资本产融公司业务负责人孙涛介绍,去年下半年,工作专班发现湖北茶产业分布广、产业链上下游企业和从业人员多,茶产业存在源头中小茶叶种植及 贸易企业分布较广、中大型茶叶加工企业购买原料资金短缺及下游客户回款周期长等发展痛点。 ...