搭建特色场景,延伸服务触角。该行深耕"圈、链、群"特色场景,不断丰富客群维度。积极探索业务创新, 以核心企业授信为基础,通过应收账款质押形式,为集团客户上游供应商叙做贷款业务,有效拓宽小微市场 主体金融服务覆盖面,提高信贷可得性。结合县域特色,创新推出"金乡大蒜贷"服务方案,助力"三农"发 展。 下一步,该行将以更有力、更暖心的服务举措,为小微市场主体发展赋能,为当地实体经济高质量发展持续 贡献中行力量。(通讯员 孟玉) 创新特色业务,丰富产品维度。今年以来,该行持续丰富产品维度,拓宽服务广度,依托新产品精准匹配企业 融资需求,相继实现"房信增额贷"、对公"退役军人创业担保贷""脱核链贷"等多笔贷款全省系统内首笔落 地济宁,有效拓宽企业融资渠道,为特色客群打通融资梗阻。 聚焦科技创新,提升服务质效。该行持续加大科技金融投入,助力发展新质生产力,为科创小微企业保驾护 航；相继实现对公"中银科创算力贷"、对私"科企快贷"个人经营贷款全省首笔投放,为企业科技创新引 擎加足"金融马力"。为处于不同发展阶段的科创企业"量体裁衣",提供全链条、全生命周期金融服务,坚 持做好科技金融大文章。 中国银行济宁分行聚焦小微重点领 ...

Core Insights - The garlic industry in Jinxiang County, Shandong Province, is experiencing a busy harvest season, with significant market activity and financing needs for storage and trade [1][2][3] - The introduction of the "Jinxiang Garlic Loan" by the Bank of China aims to address the seasonal financing demands of garlic storage and trading businesses, facilitating their operations [2][3] Industry Overview - Jinxiang County has 700,000 acres dedicated to garlic cultivation, with over 1,800 storage and processing enterprises, generating an annual transaction volume exceeding 40 billion [2] - The garlic industry serves as a vital economic driver, linking agricultural production to local employment and contributing to rural revitalization [2] Company Operations - Huikang Modern Agriculture Co., Ltd. is a key player in the garlic storage and export trade, with a storage capacity of 20,000 tons and plans to expand its operations significantly this year [1] - The company faced challenges with cash flow during the peak purchasing season but received timely financial support from the Bank of China, allowing it to increase its purchasing and storage capacity [2] Financial Products - The "Jinxiang Garlic Loan" is designed for garlic traders and storage operators, offering quick access to credit without collateral, thus meeting the low-cost financing needs of the industry [3] - Since its launch in May, the Bank of China has issued loans totaling 36 million to 13 garlic storage businesses in Jinxiang County, enhancing their operational capabilities [3]

Core Insights - The Bank of China Shandong Branch has significantly increased its agricultural loan support, with a total agricultural loan balance exceeding 170 billion yuan and an increase of over 23 billion yuan this year, contributing to rural revitalization efforts [1] - The bank has focused on developing and promoting inclusive financial products tailored to rural clients, launching specialized financial services like "Anqiu Ginger Loan" to support local agricultural industry clusters [2][3] - The introduction of the "Anqiu Ginger Loan" has led to rapid loan approvals, with 36 million yuan in credit granted to nearly 30 ginger industry clients within four months, demonstrating the bank's commitment to enhancing financial services for rural development [3] Agricultural Loan Support - As of the end of August, the agricultural loan balance of the Bank of China Shandong Branch reached over 170 billion yuan, with an annual increase of over 23 billion yuan [1] - The bank has been actively supporting various agricultural customer groups, enhancing its service capabilities to promote rural revitalization [1] Product Development and Innovation - The bank has launched several targeted financial service plans, including "Anqiu Ginger Loan," "Zhaoyuan Peanut Loan," and "Jinxiang Garlic Loan," aimed at supporting key local agricultural industries [1] - The "Anqiu Ginger Loan" was developed in response to the specific needs of the ginger industry, with a focus on high interest rates, flexible limits, and efficient approval processes [2] Client Success Stories - A client, Wang Yuye, successfully utilized the "Anqiu Ginger Loan" to meet a surge in working capital needs, resulting in profits exceeding 1 million yuan within three months [3] - The bank's quick response and efficient loan approval process have established strong partnerships with local businesses, further integrating their foreign exchange operations with the bank [3] Future Plans - The Bank of China Shandong Branch aims to continuously improve its service mechanisms and enhance its capabilities to fulfill its mission of supporting rural revitalization and contributing to the agricultural sector's high-quality development [3]

Core Viewpoint - The Shandong Branch of Bank of China has significantly increased its agricultural loan support, contributing to rural revitalization and food security in Shandong Province, with a focus on innovative financial products tailored for local agricultural needs [1][3][5]. Agricultural Loan Support - As of the end of August, the agricultural loan balance of Shandong Branch exceeded 170 billion yuan, with an increase of over 23 billion yuan in the current year [1]. - The bank has provided nearly 10 billion yuan in loans specifically for key agricultural sectors, with an increase of over 1.8 billion yuan since the beginning of the year [3]. Financial Services for Key Industries - The bank actively supports leading enterprises in key sectors such as grain, soybeans, and oil, providing comprehensive financial services across the entire industry chain [3]. - The introduction of the "Rudang Huinong Loan" has provided timely financial support to agricultural enterprises facing short-term liquidity issues, exemplified by a 2 million yuan credit to Shandong Shunfeng Agricultural Development Co., Ltd [4]. Innovative Financial Products - Shandong Branch has developed and promoted various financial products tailored to local agricultural characteristics, such as "Zhaoyuan Peanut Loan" and "Anqiu Ginger Loan," achieving significant results with a total of nearly 26 billion yuan in inclusive agricultural loans [6][10]. - The "Anqiu Ginger Loan" has been particularly successful, providing over 36 million yuan in credit to nearly 30 ginger industry clients within four months of its launch [8]. Customer-Centric Approach - The bank has demonstrated a proactive approach in understanding and addressing the financial needs of local agricultural businesses, as seen in the case of a ginger processing company that received 3 million yuan in loans to meet increased demand [7][11]. - The bank's efforts in providing timely financial solutions have helped local farmers improve their production conditions and product quality, contributing to the overall agricultural development in the region [11].