2025年,是"十四五"规划的收官之年,也是"十五五"规划的谋篇布局之年。 "十四五"以来,面对田间地头、鸭舍间的县域产业发展难题,省农信联社给出金融解题方案；面对厂房、 生产线、技术研发的经营主体需求,省农信联社弹奏出助力科创企业跑出"加速度"的金融和弦。 播撒金融甘霖,助力乡村产业发展 省农信联社始终把助力乡村振兴,服务"三农"作为核心使命,以实际行动服务实体经济,打造乡村振兴齐鲁 样板。 阳谷地处黄河沿岸,具有鲜明的黄河流域特色农业布局。往年,阳谷县寿张镇合盛果蔬专业合作社在300亩 苹果园丰收时,总会因缺乏仓储设施选择集中出售苹果,影响了价格。今年,阳谷农商银行四棚支行了解到 合作社修建保鲜库资金需求,主动上门对接,三天内发放40万元贷款。有了冷库,苹果能错峰销售,合作社更 加从容了。 成武县汶上集镇秦田庄村的蝶变是农商银行发展绿色金融、支持沿黄发展的生动缩影。这个人口822 人、耕地2405亩的村庄,曾面临空心化、空巢化、老龄化困境。在成武农商银行的信贷支持下,村"两 委"把闲置宅院改造成花园、果园、菜园、游园,使村庄成为乡村振兴示范村。 近年来,全省农商银行学习运用"千万工程"经验,全面助力打造乡 ...

"强思想"，党建联建聚合力。印发《金乡县普惠金融县乡专项行动实施方案》，把普惠金融工作纳入各 层级党委议题之中，形成政府、金融、企业协同推进、齐抓共管的工作格局。组建党员突击队，强化思 想教育，开展集中攻坚活动。先后举办辅导讲座、研讨交流和主题党日活动4次，重点学习普惠金融政 策，攻克企业融资抵押物认定等难题181个。例如，指导金乡农商银行积极对接县公证处，对不能办理 产权登记的房产、厂房、存货等抵押物，通过办理公证抵押提供信贷支持。 打破供需壁垒，行笔于央地协同攻坚 普惠金融发展面临着信息不对称、金融服务同质化、产品适配不足、风险管理难度大等多重系统性难 题，急需从单点突破转向系统集成。金乡金融监管支局坚决贯彻落实党中央、国务院及国家金融监管总 局、山东金融监管局党委关于普惠金融工作的决策部署，通过组建跨部门"蒜都金服"团队，将党建引 领、央地协同、服务创新、风险防控等要素整合为有机生态，推动县域普惠金融高质量发展。 完善组织体系，起笔于党建统领筑基 金乡金融监管支局将健全组织体系，凝聚多方合力当成做好县域普惠金融高质量发展首要之事，通过建 立队伍、选聘讲师、党建联建、思想聚力等措施将"蒜都金服"团队打造成 ...

Core Viewpoint - Agricultural Bank of China Shandong Branch is committed to serving rural revitalization and has established multiple demonstration zones to support various regional economic initiatives, achieving significant social impact and recognition in financial assessments [1][2]. Group 1: Rural Revitalization Initiatives - The bank has created several demonstration zones, including Weifang, Linyi, Dongying, Heze, and Yantai, each focusing on different themes such as ecological protection, food security, and marine economy [1][2]. - It has introduced specialized financial products like "Grain Farmer e-loan," "Golden Garlic Loan," and "Pomegranate e-loan" to support agricultural production and rural development [1]. Group 2: Green Finance Development - The bank has implemented a "Green Finance Service System" to promote sustainable development, with green credit balance exceeding 3178 billion yuan, marking a 16.5% increase from the beginning of the year [3]. - The proportion of green loans in total loans has surpassed 25%, reflecting the bank's commitment to environmental sustainability [3]. Group 3: Inclusive Finance - Agricultural Bank of China Shandong Branch has developed a comprehensive digital inclusive finance product system, addressing the financing challenges faced by small and micro enterprises [3]. - As of May, the balance of inclusive loans reached 1837 billion yuan, with an annual increase of 252 billion yuan, serving over 285,000 small and micro clients [3]. Group 4: Elderly Financial Services - The bank has launched the "Agricultural Bank Pension" service brand, offering products like "Pension e-loan" and establishing senior-friendly service points [5]. - It has issued over 23 million social security cards and served more than 12 million elderly clients, with 1.6 billion yuan in loans allocated to the pension industry in the first five months of the year [5]. Group 5: Collaboration with Government and Enterprises - The bank emphasizes cooperation with government and enterprises to enhance financial service delivery, particularly through the "Financial Directly Reaching the Grassroots" initiative [6][9]. - It has successfully streamlined approval processes, significantly improving efficiency and facilitating a loan of 25 million yuan to support a key enterprise [9].