机制筑基，构建服务新格局。为强化金融服务乡村振兴的组织保障，工行北海分行成立乡村振兴办公 室，深入贯彻工行总行金融支持乡村振兴战略部署。该办公室牵头推广涉农金融产品，统筹协调全辖金 融服务乡村振兴工作，致力构建覆盖农业、农村、农民的乡村金融服务体系，确保金融资源向"三农"领 域倾斜，为涉农贷款优先投放提供保障。 新征程上，工行北海分行将坚守服务"三农"初心，持续引导金融活水精准赋能乡村产业，为全面推进乡 村振兴贡献坚实的工行力量。（孙洁文 戴好） 产品创新，灌溉特色产业链。工行北海分行聚焦地方优势产业，打造差异化涉农贷款产品体系。针对农 业龙头企业及重点项目，如广西重点国有林场"12万亩高质量商品林基地建设项目"、中储粮北海直属库 项目等，提供项目贷款与流动资金双轨支持。创新推出"蔗担贷"，立足广西作为我国甘蔗和蔗糖主产区 的优势，大力支持种植合作社及蔗农发展"甜蜜事业"。同时，依托"集群商户e贷"等优势产品，重点扶 持木材加工等特色小微集群。截至2025年6月末，该行涉农大中型企业贷款余额超5.9亿元，较年初净增 1.68亿元，增幅超39%。上半年，累计支持34户木材加工小微企业，金额超7800万元，有力支 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is actively taking on the responsibility of providing financial services for rural revitalization, focusing on local agricultural industry characteristics and innovating a service system to address financing difficulties for agricultural entities [1][2]. Group 1: Financial Support and Loan Growth - As of April 2025, the ICBC Beihai Branch's agricultural loan balance increased by 290 million yuan, a growth rate of 28.57%, significantly contributing to the modernization of agriculture and rural areas in Beihai [1]. - The branch has developed a specialized product called "Agricultural Guarantee Loan" in collaboration with the Guangxi Agricultural Credit Guarantee Company, which has a loan balance exceeding 22.4 million yuan, reflecting a year-on-year increase of 4.02 million yuan, or 21.87% [1]. Group 2: Customized Loan Products - The ICBC Beihai Branch has launched tailored loan products such as "Cane Guarantee Loan" and "Fishing Boat Loan" to meet the specific funding needs of local industries, with a total loan balance exceeding 11.4 million yuan benefiting nearly 100 farmers as of April 2025 [2]. - The branch has also implemented a digital transformation strategy, enabling rapid processing of agricultural micro-loans, with a total disbursement exceeding 64.6 million yuan [2]. Group 3: Organizational Support and Service Efficiency - The ICBC Beihai Branch has established a Rural Revitalization Office to coordinate financial support measures, creating a comprehensive service system covering agriculture, rural areas, and farmers [3]. - The branch promotes financial literacy and digital banking tools through online and offline activities, enhancing the financial capabilities of rural customers and improving service accessibility [3].

精准助力"甜蜜事业"发展。北海合浦县是广西甘蔗种植和产糖大县。工行北海分行结合县域经济特色， 创新应用"蔗担贷"解决蔗农贷款"担保难"难题，加大对地方特色农业产业支持，助力"甜蜜事业"发展。 2025年初，北海市合浦县甘蔗种植大户老李面临资金周转难题，他急需资金购买种植设备、种子、化肥 等材料。北海分行营销团队在走访中了解到相关情况后，快速为老李量身定制了银政通个人经营贷款融 资方案。经深入调查，结合种植户经营场所及自身固定资产实际情况等，难以提供贷款有效的抵押物， 又无法找到符合条件的担保人的情况，通过与广西农担公司合作，由农担公司为其贷款提供担保，解决 蔗农贷款"担保难"难题，顺利为老李发放200万元"蔗担贷"。截至2025年3月末，工行北海分行本年累放 蔗农"蔗担贷"4户，金额共计800万元，用于甘蔗育种等，助力蔗农发展"甜蜜事业"。（ 蔡杰 戴好） 工行北海分行紧跟农业生产步伐，坚持涉农贷款优先，加大涉农贷款投放，优先满足涉农企业融资需 求，大力支持农户春耕备耕， 让金融"春雨"润泽广阔田野。截至2025年3月31日，该行涉农贷款余额较 年初净增超2.9亿元，增幅29%；其中普惠型涉农贷款较年初净增超 ...