Core Viewpoint - Dongping Rural Commercial Bank is actively promoting high-quality development of inclusive finance in county areas through a series of practical and effective measures [1][2] Group 1: Financial Product Innovation - The bank has launched a variety of tailored loan products to meet the diverse financial needs of small and micro enterprises and "three rural" clients, including "Fumin Greenhouse Loan" and "Fumin Fishery Loan" [1] - "Fumin Greenhouse Loan" provides specialized loan support for vegetable greenhouse growers, helping them expand production and improve yield and quality [1] - "Fumin Fishery Loan" assists fishery farmers in updating equipment and expanding farming areas, promoting the growth of the fishery industry [1] Group 2: Support for Individual Entrepreneurs - The bank has developed products like "Tongxin Leshang Loan" and "Huiqing Business Loan" for individual business owners, featuring flexible borrowing and low-interest rates suitable for frequent cash flow needs [1] - An individual entrepreneur operating a small supermarket successfully obtained a loan of 200,000 yuan through "Tongxin Leshang Loan" to stock up for the Spring Festival, resulting in good sales during the peak season [1] Group 3: Promotion of Policy-Driven Products - The bank promotes policy-based products such as "Ludanhui Agricultural Loan" and "Veteran Entrepreneurship Loan," providing low-interest loans to agricultural operators and preferential rates for veterans starting businesses [2] - A veteran entrepreneur received a loan of 500,000 yuan through the "Veteran Entrepreneurship Loan" to establish an e-commerce platform, purchase equipment, and train employees, facilitating a successful startup [2] Group 4: Future Outlook - Dongping Rural Commercial Bank aims to continue its commitment to serving the real economy, deepen reforms in inclusive finance, and enhance financial service levels to support the economic and social development of Dongping County [2]

动态化利率定价机制，赋能企业融资成本结构优化。一是对符合国家产业政策、发展前景良好的小微企 业，实行利率优惠政策，通过适当下调利率，降低小微企业的利息支出，切实减轻企业的融资负担。今 年以来，累计为376户小微企业实行利率优惠，平均让利0.4个百分点。二是深化银企合作，加大政策性 贷款投放。积极与农担公司、县退役军人事务局、县公共就业和人才服务中心等部门对接，共同推 动"鲁担惠农贷""退役军人创业贷""创业担保贷"等业务，切实将政策性贷款产品的优势发挥出来，更好 发挥金融对小微企业的支持作用。截至5月末，政策性贷款产品余额已达6.32亿元。三是全面实行"阳光 信贷"，将申贷资料名录、各环节办贷时限、监督电话等内容在营业网点、驻点办公场所等显著位置张 贴上墙，主动接受外界监督，牢固树立以客户为中心的服务理念，打造"金融为企"金字招牌。 多维拓宽准入通道，深化普惠服务体系。一是创新担保方式。针对小微企业普遍缺乏抵押物的问题，在 传统的房产、土地抵押外，积极推广知识产权质押、应收账款质押等担保方式，拓宽小微企业的担保渠 道。截至5月末，办理知识产权质押贷款5户、0.44亿元。二是加大信用贷款供给。建立科学的小微企业 ...

Group 1 - The core viewpoint emphasizes the importance of agricultural machinery in ensuring stable grain production, with financial institutions like Yucheng Rural Commercial Bank playing a crucial role in supporting farmers through tailored financial services [1][2] - Yucheng Rural Commercial Bank has established a green loan channel specifically for agricultural machinery production and sales, facilitating the procurement of machinery for summer harvest and planting [1][2] - The bank has implemented various financial products such as "Agricultural Machinery Loan," "Grain Production Increase Loan," and "Grain Purchase Loan" to support the agricultural machinery industry and grain-related enterprises [2] Group 2 - The bank's proactive approach includes forming a dedicated task force to analyze the credit situation for the summer agricultural season and develop a targeted credit funding plan [2] - Financial support measures include differentiated credit support, preferential loan rates, and fee reductions for key agricultural stakeholders such as machinery suppliers, grain processing enterprises, and family farms [2] - The bank aims to enhance the efficiency of credit operations by providing both online and offline financial services, ensuring timely allocation of financial resources to critical agricultural sectors [2]

服务答题，高效响应客户需求。该行畅通电话、微信、手机银行等线上申贷渠道，建立线下审批"绿色 通道"，严格落实限时办结制度。对符合条件的客户，在尽职调查基础上，信用贷款 1 - 2 个工作日内、 保证贷款 2 - 3 个工作日内、抵押贷款 3 - 5 个工作日内办结，推动信贷资金快速直达客户。此外，依 托"综合收单"和"慧农通"，改善辖区客户移动支付安全性和便利性，累计为 4700 户小微商户开通"综合 收单"和"慧农通"服务，日均交易近 7000 笔，为辖区客户日常经营提供支持。 为加大对县域实体经济的支持力度，郓城农商银行采取走访探需、产品创新、服务提质等举措，持续提 供信贷资源，完善金融服务，为县域"三农"、小微企业和社区家庭提供全方位、多层次金融支持。截至 5 月末，全行实体贷款余额 204.05 亿元，较年初增长 5.89亿元。 产品解题，满足多元融资需求。针对辖区客户"短、小、频、急"的融资需求特点，该行坚持以客户为中 心的服务理念，根据不同行业客户群体，动态调整贷款额度、期限、方式和利率，创新推出多款特色信 贷产品，满足县域客户多元化金融需求。例如，为粮食购销客户推出"好郓收粮贷"，为种养殖客户推 ...

水果产业规模化、现代化发展，离不开金融力量的支持。金融如何更好地助力水果产业发展，"贷"动果 香万里？来看这家农商银行是如何做到的。 "多亏了济宁农商银行的信贷支持，我的葡萄新品种种植项目才能顺利运作起来。"济宁长沟镇后薛村的 金田葡萄种植专业合作社负责人老刘激动地说。 加大信贷投放助力种植户提质增收 老刘经营一家葡萄种植合作社，想增加"夏黑""阳光玫瑰"等优质葡萄品种种植、探索全程采用绿色生态 种植方式，但缺少足够的资金。济宁农商银行在得知相关情况后，经过实地考察，顺利为其授信50万 元。有了这笔资金的支持，老刘的葡萄园顺利改进品种，并扩大了种植规模。 为助力葡萄种植业高质量发展，济宁农商银行充分发挥"行业客户清单"优势，积极开展清单式营销，精 准对接葡萄种植专业合作社、葡萄种植大户及葡萄种植农户。同时，组织葡萄种植行业领头人、大户召 开信贷产品宣讲会，大力推介优势信贷产品，全力破解葡萄种植行业的融资难题，金融助力长沟葡萄种 植业提质增收。 截至目前，该行今年累计召开各类宣讲会60余场，葡萄种植业授信覆盖面较年初提升3.7个百分点，累 计投放专项贷款1186万元，较同期增加407万元。 助力葡萄种植业发展， ...

齐鲁晚报.齐鲁壹点李可通讯员曲和钊 夏收结束后，郓城县黄河滩区的高标准农田呈现出现代化农业景象。种粮大户渠先生在田间操控着水肥 一体化智能滴灌设备，他表示，这片700多亩的土地，以前采用地面灌溉需要一个多星期，现在使用滴 灌设备3天就能完成，既省水又省力。渠先生称，这一切得益于郓城农商银行。 此前，该行客户经理在走访中得知，渠先生计划引进水肥一体化智能滴灌设备，但面临资金短缺问题。 该行工作人员主动为渠先生推荐"好郓农机贷"专项信贷产品，2天后，50万贷款到账，使渠先生得以实 施科技种田计划。 目前，该套设备提升了灌溉效率，较传统方式省水省工，还能精准施肥，预计今年亩均增产150斤。 作为服务"三农"的金融主力军，该行将支持农业现代化发展作为重要任务。该行创新信贷产品，推 出"鲁担惠农贷""好郓农机贷"等专项涉农产品，缓解农户资金压力；简化信贷流程，实行阳光办贷和限 时办结制度，最快"T+0"放款；提高服务质效，组建126支普惠金融服务队，深入田间了解农户需求， 提供精准金融支持，推动农业转型升级。 截至5月末，该行各项存款余额478.45亿元，较年初增长24.96亿元；各项贷款余额234.95亿元，较年初 ...

Group 1 - The summer grain harvest is progressing, with 260 million acres of wheat harvested by June 10, reaching a progress rate of 74.72% [1] - Financial institutions are enhancing financial support for agriculture during the critical "Three Summers" production period, ensuring timely services for grain enterprises and farmers [1] - Agricultural production has distinct seasonal and cyclical characteristics, necessitating banks to design targeted financial products that align with the operational features of agricultural entities [1] Group 2 - Everbright Bank has launched a plan for upgrading agricultural machinery, focusing on a "financial + agricultural machinery" service ecosystem to support high-quality agricultural development [2] - Major state-owned commercial banks are providing efficient financial services to grain storage enterprises to ensure the smooth collection of summer grain [2] - The Agricultural Bank of Inner Mongolia provided a supply chain loan of 17.6 million yuan to a local flour production company to address its funding gap during the summer harvest [2] Group 3 - Rural small and medium-sized banks play a crucial role in supporting agriculture by delivering financial services directly to farmers [3] - Innovative loan processes, such as "village credit + online lending," are being implemented to simplify access to financing for large-scale farmers [3] - A stable financial service system is essential for ensuring that key agricultural activities, such as collection, sowing, and fertilization, are not hindered by funding shortages [3]

Core Viewpoint - The article highlights the proactive financial support provided by Jinan Rural Commercial Bank to farmers during the busy summer harvest season, showcasing innovative loan products and digital platforms that enhance agricultural productivity and financial accessibility [1][5][8]. Group 1: Financial Support Initiatives - Jinan Rural Commercial Bank has established a three-tiered service system to address the slow response and accessibility issues in traditional financial services, involving city-level coordination, district-level collaboration, and village-level presence [5]. - The bank has issued a total of 15.2 billion yuan in rural revitalization special loans this year, supporting over 2,000 grain producers and helping more than 4,000 agricultural merchants expand their sales channels [13]. - The bank has successfully provided 8.6 million yuan in credit to 450 agricultural entities through targeted visits, ensuring timely funding for fertilizer purchases and agricultural equipment upgrades [5]. Group 2: Innovative Loan Products - Jinan Rural Commercial Bank has introduced various policy-based interest-subsidized loan products, including "Ludang Huinong Loan," "Jidang Chuangye Loan," and "Jidang Huo Li Loan," to alleviate the financial burdens on agricultural entities [8]. - This year, the bank has issued 25.8 million yuan in "Ludang Huinong Loan" to 34 agricultural operators and 375 million yuan in "Jidang Chuangye Loan" to support 862 entrepreneurs [8]. - The bank has implemented a fast-track credit approval process, ensuring that loan applications, approvals, and disbursements are completed within five working days to meet the urgent funding needs during the summer harvest [8]. Group 3: Digital Platforms and Market Integration - The bank has developed the "Huinong Tong" agricultural product trading platform, facilitating online transactions and improving the efficiency of payment and settlement processes for farmers and buyers [12]. - As of the end of May, the bank has signed over 800 merchants to the "Huinong Tong" platform, facilitating transactions worth 5.9 million yuan [12]. - The collaboration with Kuangshan Agricultural Product Trading Market has enhanced digital service capabilities, providing integrated services that include payment, traceability, and management for over 1,500 merchants, with annual transaction amounts exceeding 450 million yuan [12].

"我们东仲都村原来很穷，现在成了济宁乃至山东省文化旅游胜地。以龙湾湖为中心，往南是草莓、火 龙果、蓝莓采摘，每逢周末，就会有一大批人来游玩，带动当地老百姓增收致富！"时下，正值采摘旺 季，泗水县圣水峪镇东仲都村党支部书记老姚向记者感叹道。 在龙湾湖景区的辐射下，南仲都村、东仲都村等村庄的草莓采摘产业也获得良好发展。南仲都农业生态 观光园道路宽敞，120个高标准建设的温室大棚错落有致，棚内草莓、火龙果、花卉等农作物竞相生 长。 "游客到龙湾湖景区游玩结束后，可以到我们这里采摘，水果品种丰富、采摘环境好，我们也可以向城 区超市发货，每个大棚可以实现毛收入4万元。"老姚说。 在山东，泗水农商银行积极创新金融服务模式，不断拓宽、丰富企业融资渠道，通过提供信贷支持、咨 询顾问、资金结算、现金管理等综合化一站式金融服务，助力泗水县农文旅新业态快速发展。 助力农文旅产业连片发展 "我们以地瓜为基础，进行深加工和直播营销，推出'虎咬瓜'品牌，地瓜产值增加了，美景和美食成为 文旅发展新的增长点。"泗水龙湾湖"艺术粮仓"经理刘雪梅一边忙着为地瓜产品打包、贴码，一边向记 者介绍。 龙湾湖乡村振兴示范区在打造文旅基地的同时，还围绕地 ...

齐鲁晚报.齐鲁壹点李可通讯员李哲 多年来，该支行始终坚守服务乡村振兴、支持"三农"发展的初心使命，积极鼓励创业，扎实推进普惠型 小微企业金融服务工作。该支行依托"四张清单"营销对接和客户经理驻村办公机制，为客户提供专业的 金融辅导。通过深入了解客户的实际需求，为其量身打造金融产品，提供精准化的金融服务。 然而，近期宋先生的服装厂计划扩大经营规模，不仅要增加新的经营场所，还需购进新的加工机器设 备。随着资金投入量的大幅增加，厂房装修和生产线投入所需的资金成了摆在宋先生面前的一道难题。 成武农商银行天宫庙支行在了解到宋先生的困境后，迅速行动。工作人员第一时间上门与宋先生对接， 详细了解他的资金需求情况。经过高效的评估和审批流程，以最快的速度向宋先生发放了50万元贷款。 这笔及时雨般的资金确保了新服装厂能够迅速落地投产。 谈及此事，宋先生满是感激："多亏了咱农商银行提供的50万元信贷资金，帮我解决了大难题。现在我 们的新厂已经正常投入生产了，农商银行真是能为咱老百姓办实事的好银行，值得信任！" 在成武县天宫庙镇，宋先生经营着三家服装厂，在当地小有名气。他的服装厂年加工服装产量达100万 套，销售额高达1000万元。 ...