齐鲁晚报.齐鲁壹点李可通讯员李琛 近年来，成武农商银行坚守服务"三农"和实体经济的经营宗旨，精准投放金融资源，支持地方特色农业 发展，推动"三农"领域实现产业增值。 精准扶持，蛋鸡养殖焕新颜 成武县康集村的宋先生从事花卉种植多年，想扩大玫瑰种植规模、引进新品种并拓展线上销售渠道。销 售旺季临近，资金缺口成为难题。该行康集支行在"走千家、访万户、共成长"活动中得知其融资需求， 客户经理实地考察后，考虑到花卉产业"融资急、用款频"的特点，开通涉农贷款绿色通道，简化审批流 程，仅用两天就发放20万元贷款。宋先生利用这笔资金扩建智能温控大棚、引进新品种、搭建电商直播 展示区，通过线上线下（300959）融合销售，玫瑰产品畅销省内外。 金融助力，蒜乡小米结硕果 大田集镇是大蒜之乡，陈先生却想引种金乡县的金谷小米。从引进谷种、流转土地到购置设备，资金需 求大。该行大田集支行客户经理在"金融夜校"活动中了解到他的创业计划，经实地调查和市场分析，认 为项目前景良好，为其办理15万元"鲁担惠农贷"，解决了担保难、融资贵问题。如今，陈先生的谷物种 植基地已具规模，金灿灿的小米增加了当地种植多样性，也增加了他的收入。 该行通过创新 ...

齐鲁晚报.齐鲁壹点程建华通讯员刘文川 近年来，巨野农商银行立足县域、服务本土，深入践行中央金融工作会议精神，聚焦科技金融、绿色金 融、普惠金融、养老金融、数字金融"五篇大文章"，将政策导向转化为"支农支小"的务实举措，以金融 之力绘就巨野县域经济高质量发展的新画卷。 点亮"科技金融"，为创新发展注入"金动能" 科技型企业是经济转型升级的"排头兵"。针对科技型企业"轻资产、重研发"的特点，巨野农商银行打破 传统信贷思维，积极探索"科技成果转化贷""知识产权质押贷"等专属信贷产品。通过主动对接县科技 局、工信局，建立"专精特新"企业培育库，为科创企业提供全生命周期的金融支持。 深耕"普惠金融"，为城乡共富架起"金桥梁" 作为农村金融的主力军，普惠金融是巨野农商银行的初心所在。该行持续发扬"挎包银行"精神，深入推 进"整村授信"和"网格化营销"，将金融服务触角延伸至田间地头和街头巷尾。 一方面，做实农户小额信用贷款，针对辖区内种养殖大户、家庭农场、农民专业合作社等新型农业经营 主体，推出"鲁担惠农贷""创业担保贷"等财政贴息产品，降低融资门槛。另一方面，大力支持个体工商 户和小微企业，通过"首贷培植""无还本续贷" ...

让良种繁育跑出"加速度" 粮安天下，种铸基石。作为拥有84.2万亩小麦、35万亩大蒜和25万亩辣椒的农业大县，巨野县的沃野良 田里，流淌着最珍贵的资源，优良的种子。目前，全县小麦良种繁育覆盖率已达99%。从实验室到试验 田，再从试验田到万亩良田，这是良种走向市场的关键一步。然而，种业生产投入大、周期长、风险 高，规模化繁育往往面临资金周转的难题。 针对种业生产缺乏有效抵押物的痛点，巨野农商银行大力推广信用贷款，实现快速审批放款。在麒麟 镇，一家种粮合作社计划引进新型烘干设备以应对阴雨天气带来的霉变风险，但资金存在缺口。该行第 一时间为其办理了100万元"鲁担惠农贷"，解了燃眉之急。如今，设备一到位，粮食安全更有保障，合 作社扩大良种繁育面积的底气也更足了。 齐鲁晚报.齐鲁壹点程建华通讯员刘文川 近年来，巨野农商银行始终坚守服务"三农"的市场定位，紧扣地方经济发展脉搏，将金融资源向种业振 兴领域倾斜，以金融之力绘就种业振兴的新图景。 在龙堌镇，种粮大户宋某社在发展智慧农业时遇到资金难题。巨野农商银行通过"福麟惠农贷"为其提供 150万元资金支持，帮助他建成物联网"四情"监测站。如今，宋某社实现了智能农田管理，亩 ...

岁序更替，华章日新。当新春的脚步踏遍齐鲁大地，"年味儿"里不仅有阖家团圆的温馨，更有邹平农商 银行扎根基层、服务民生的坚实足迹。邹平农商银行与百姓生活同频共振，为服务三农、服务实体经济 的尽显社会担当。 通讯员任笑宇 走基层，把服务送到百姓心坎里。新春是万家团圆的时刻，也是邹平农商银行人最忙碌的时节。在黛溪 街道的南关市场，"金融大集"热闹开摊，工作人员带着移动终端，为前来置办年货的居民办理社保卡激 活、小额信贷咨询等业务；在长山镇的蔬菜大棚里，客户经理踩着田埂，走进农户家中，了解春耕备耕 资金需求，送上"鲁担惠农贷"专属信贷产品；在黄山街道的老年活动中心，"金融知识小课堂"开讲，工 作人员用通俗易懂的语言，向老年居民讲解反诈知识，守护他们的"钱袋子"。 "以前办贷款要跑好几趟，现在农商银行的人直接到大棚里来，手续简单，放款也快，今年的蔬菜扩种 资金终于有着落了！"在长山镇的蔬菜种植基地，菜农孙大哥握着客户经理的手，脸上满是笑意。去 年，孙大哥计划扩大种植规模，但苦于缺乏启动资金，邹平农商银行的客户经理在走访中了解到情况 后，主动为他办理了10万元"鲁担惠农贷"，仅用3天就完成了审批放款。如今，孙大哥的蔬菜大 ...

Core Insights - During the Spring Festival, Ningjin Rural Commercial Bank actively supports the agricultural sector and the real economy by enhancing loan products, improving lending efficiency, and innovating service mechanisms, resulting in a loan balance of 8.169 billion yuan, an increase of 319 million yuan since the beginning of the year [1] - The bank's targeted financial products, such as "Code Loan," "Entrepreneur Guarantee Loan," "Lüdan Agricultural Loan," and "Greenhouse Loan," are tailored to meet the needs of new agricultural operators, promoting the development of specialized agricultural production [2] Group 1 - Ningjin Rural Commercial Bank has issued loans totaling 7.47 billion yuan for online products like "Code Loan," reflecting a growth of 199 million yuan and a 36.34% increase since the beginning of the year [2] - The bank's efforts have provided financial backing to local farmers, enhancing their confidence and operational capabilities, as evidenced by the success of vegetable growers during the high-demand period of the Spring Festival [1] Group 2 - The bank's proactive approach includes direct engagement with farmers and agricultural cooperatives, ensuring that financial services are aligned with the specific needs of the agricultural sector [2] - The successful implementation of smart marketing systems has facilitated quick loan approvals, exemplified by a case where a farmer received a 100,000 yuan loan to support his greenhouse operations during adverse weather conditions [1]

Core Viewpoint - The article emphasizes the crucial role of small industries, such as micro-enterprises and family workshops, in driving local economic growth and employment, particularly in the context of rural revitalization and common prosperity initiatives. It highlights how Juyi Rural Commercial Bank has effectively utilized financial services to empower these small industries, facilitating their transformation from "small and scattered" to "refined and strong" [1]. Group 1: Financial Support and Services - Juyi Rural Commercial Bank has focused on addressing the financing challenges faced by small industries, such as lack of collateral and information asymmetry, by implementing targeted services like "grid-based" visits and "village credit" initiatives [2]. - The bank has developed customized financial products, including "Entrepreneur Guarantee Loans" and "Wealth Production Loans," specifically designed for local industries like willow weaving and poultry farming, thereby lowering financing barriers and costs for entrepreneurs [2]. - The bank's approach includes providing comprehensive financial support that extends beyond mere funding, aiming to enhance the operational capabilities of small industries [3]. Group 2: Industry Upgrading and Integration - Juyi Rural Commercial Bank is committed to not only providing financial resources but also enhancing the "self-sustaining" capabilities of small industries by implementing a "one chain, one policy" financial service model [3]. - The bank supports the entire value chain of local industries, such as fruit and vegetable cultivation, by offering financing to various stakeholders, including producers, logistics providers, and processing enterprises, thereby increasing the overall value and resilience of the industry [3]. - The bank also promotes traditional cultural industries by supporting artisans and cooperatives in improving their craftsmanship and expanding their market reach [3]. Group 3: Digital Transformation and Accessibility - The bank is actively pursuing digital transformation to enhance the efficiency and accessibility of its financial services, implementing mobile loan applications and one-stop services for clients [3][4]. - It has established numerous self-service devices in rural areas to improve financial service accessibility, ensuring that small enterprises can easily access necessary financial support [4]. - The bank's continuous support has led to significant growth in small industries, resulting in the establishment of cooperatives and the expansion of traditional crafts into broader markets, thereby contributing to local economic development [4].

Core Insights - A profound transformation driven by financial innovation is taking place in Linzi, with Linzi Rural Commercial Bank playing a crucial role in providing funding and innovative services to support the high-quality development of the local economy [1] Group 1: Financial Products and Services - Linzi Rural Commercial Bank adopts a "one town, one product, one village, one feature" approach, conducting in-depth research on local industries to create a distinctive credit product system [3] - The bank has launched products like "Chef Easy Loan" and "Micro Loan" to support 189 clients in the kitchen equipment industry, disbursing loans totaling 96.89 million yuan [3] - In areas focused on vegetable cultivation, products such as "Planting Enjoyment Loan" provide timely financial support to greenhouse farmers, fostering a symbiotic relationship between finance and industry [3] Group 2: Support for Technology Enterprises - The bank targets technology enterprises characterized by "light assets and high growth," offering innovative financial products like "Technology Achievement Transformation Loan" and "Talent Loan" to meet their unique financing needs [4] - For Shandong Meiling Chemical Equipment Co., the bank provided over 9 million yuan through a "Technical Transformation Special Loan" to address funding gaps for their smart factory project, moving beyond traditional collateral requirements [4] - The outstanding loan balance for technology enterprises has exceeded 1.2 billion yuan, positioning the bank as an essential driver of regional technological innovation [4] Group 3: Collaborative Financial Ecosystem - Linzi Rural Commercial Bank collaborates with various departments, including the provincial agricultural guarantee company and agricultural rural bureau, to create strategic partnerships that address financing challenges [5] - The bank's collaborative model, which includes "bank + guarantee + supervisory department," effectively alleviates issues related to financing difficulties and high costs for agricultural operators and entrepreneurs [5] - Looking ahead, the bank aims to continue leveraging innovation to provide smarter and more precise financial services, contributing to the construction of a modern industrial system in Linzi [5]

Core Viewpoint - The article highlights the successful implementation of agricultural financing solutions by Ningjin Rural Commercial Bank to support local farmers in the cultivation of seasonal vegetables, showcasing the positive impact of tailored credit products on rural economic development [1] Group 1: Agricultural Financing - Ningjin Rural Commercial Bank has developed a credit support plan that includes various tailored loan products such as "Greenhouse Loan," "Entrepreneurial Guarantee Loan," and "Lüdan Agricultural Loan" to meet the specific needs of farmers [1] - The bank has established 27 service teams, referred to as "Red Vests," to provide on-site financial services directly to farmers, enhancing accessibility to credit [1] Group 2: Impact on Farmers - Farmer Zheng Weikai expressed gratitude for receiving a 200,000 yuan "Greenhouse Loan," which alleviated his financial difficulties related to greenhouse maintenance and the purchase of agricultural inputs [1] - The article illustrates a thriving agricultural scene in Xiawang Village, with various off-season vegetables being cultivated, indicating the effectiveness of the bank's support in boosting local agricultural productivity [1]

Core Insights - The traditional pigeon breeding industry in Pingyuan County is experiencing revitalization due to financial support from Pingyuan Rural Commercial Bank, which has been providing tailored loans to local farmers [1][2] - The bank's initiative to implement "village-wide credit" assessments has enabled farmers like Wang Hong'en to secure necessary funding for expansion, leading to increased production and quality in pigeon breeding [1][2] Group 1: Financial Support Initiatives - Pingyuan Rural Commercial Bank has been actively engaging with local farmers to understand their needs, particularly in the pigeon breeding sector, and has introduced tailored financial products such as "Rudang Huinong Loan" and "Family Affection Loan" to alleviate financing challenges [2] - The bank has provided credit support to 527 breeding entities in the county, amounting to a total of 301 million yuan, facilitating the growth of the local pigeon breeding industry [2] Group 2: Impact on Local Industry - The financial assistance has allowed pigeon breeders to expand their operations and improve the quality of their breeds, contributing to the overall economic upliftment of the region [2] - The success stories of local breeders, such as Wang Hong'en, highlight the positive impact of financial support on traditional industries, showcasing a blend of heritage and modern financial solutions [1][2]

Core Insights - Weifang Bank aims to enhance its role in supporting the local economy by focusing on key industries and enterprises, establishing a "financial + industry + ecology" service system to drive the development of a modern industrial system [1][2] Group 1: Strategic Focus - Weifang Bank is committed to strengthening industrial finance as a core strategy, aligning with the city's industrial advantages and focusing on seven dimensions including professional market clusters and core enterprise ecosystems [2] - The bank has identified 46 key industrial sectors and implemented tailored financial strategies for each, achieving a loan balance of 7.69 billion yuan and serving 1,804 clients by the end of December 2025 [2] Group 2: Innovative Financial Services - The bank is transitioning from "point support" to "full-chain empowerment" in financial services, introducing innovative supply chain financial products to address financing challenges for small and medium-sized enterprises [3] - New financial products have been developed to support rural revitalization and enhance service matching for agricultural financing, including loans for specialized agricultural needs [3] Group 3: Digital Transformation - Weifang Bank is advancing its digital transformation by launching the "Smart Enterprise Banking 3.0" system to improve the intelligence of corporate services and creating various digital financial platforms to enhance efficiency [4] Group 4: Collaborative Development - The bank is deepening collaboration with local government and enterprises, signing strategic cooperation agreements with multiple municipal departments to enhance financial services across key industrial chains [5] - By engaging with over 2,700 small and medium-sized manufacturing enterprises, the bank is expanding its service reach and addressing challenges in supply, technology, and market access [5] Group 5: Support for SMEs - Weifang Bank is committed to supporting small and medium-sized enterprises through initiatives like the "Thousand Enterprises, Ten Thousand Households" outreach program, optimizing loan conditions to enhance credit availability [6] - The bank aims to continue innovating in industrial finance and aligning its financial offerings with local industrial needs to contribute to the modernization of Weifang [6]