齐鲁晚报·齐鲁壹点 张亢 通讯员 崔文军 "感谢政府出台了这么好的政策，现在搞农业，心里更有底了！"岱岳区粮食种植大户郗先生高兴地说。 2024年，郗先生通过农担公司担保获得150万元贷款用于资金周转，这次不仅享受了农担公司提供的低 担保费率，还额外获得了市级财政给予的15000元贴息和3750元担保费补贴，综合融资成本大幅下降。 近日，记者从山东农担泰安管理中心获悉，在山东农担泰安管理中心与泰安市财政局、农业农村局的紧 密协同推动下，泰安市首批农业信贷担保贷款贴息、贴费资金已全部拨付至相关新型农业经营主体账 户。2024年1月，泰安市财政局、农业农村局、地方金融监管局、人民银行泰安分行四部门联合印发 《关于进一步发挥农业信贷担保作用推动农业农村高质量发展的工作方案》，对粮食全产业链条、高效 蔬菜、高端畜牧、泰山茶等优势特色产业，其新增政策性农业信贷担保贷款给予1%的贴息补助、50% 的担保费补助。这一政策的出台，充分体现了市委、市政府对乡村振兴事业的高度重视和对农业经营主 体的深切关怀，也为全市农业高质量发展注入了新的金融活力。 政策的成功落地，是对农业信贷担保工作的充分肯定和有力支持，也极大地激发了市场活 ...

Group 1 - The core event was the "Rizhao Bank Rural Revitalization Financial Cup" roadshow, showcasing 13 selected projects aimed at promoting rural revitalization through party building and financial support [1] - The event was co-hosted by multiple local government departments and Rizhao Bank, focusing on cultivating rural talent and leveraging financial advantages to support comprehensive rural revitalization [1] - The selected projects demonstrated three main features: significant effectiveness of party leadership, innovative financial support paths from Rizhao Bank, and strong collaborative development based on local characteristics [1] Group 2 - As a co-host, Rizhao Bank reported an agricultural loan balance of 35.1 billion yuan, with an increase of 3.7 billion yuan, representing a growth rate of 12%, which is 4 percentage points higher than the overall loan growth rate [2] - The bank has introduced over ten specialized financial products, including "Ludanhui Agricultural Loan" and "Qingcha Loan," to create a comprehensive financial service system for rural revitalization [2] - The event served as both a showcase of achievements and a new starting point for further efforts in cultivating specialty industries and promoting collaborative development across villages [2]

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]

Core Insights - Dongping Rural Commercial Bank is actively supporting the development of small and micro enterprises in response to national policies, with a small and micro enterprise loan balance of 3.683 billion yuan as of the end of May, reflecting an increase of 376 million yuan or 11.37% since the beginning of the year [1] Group 1: Product Development and Customer Engagement - The bank has established a professional research team to conduct in-depth surveys of small and micro enterprises, resulting in the launch of seven specialized loan products, including "LeShang Foreign Trade Loan" and "LeShang Tax Easy Loan," with a total loan issuance of 369 million yuan benefiting 1,103 enterprises [2] - Loan amounts and terms are differentiated based on the operational scale and asset status of small and micro enterprises, with flexible repayment terms of up to five years to match cash flow conditions [2] - The loan application process has been optimized to reduce unnecessary documentation and procedures, allowing enterprises to conveniently submit applications through both online and offline channels [2] Group 2: Access and Guarantee Innovations - The bank has introduced innovative guarantee methods, such as intellectual property pledges and accounts receivable pledges, to address the common issue of insufficient collateral among small and micro enterprises, with 5 loans amounting to 44 million yuan issued under intellectual property pledges [3] - A scientific credit evaluation system has been established to prioritize credit loans for enterprises with good credit records, resulting in a total issuance of 896 million yuan in credit loans this year [3] - The bank collaborates with government financing guarantee institutions and commercial guarantee companies to provide guarantee services, with a total of 264 million yuan in loans issued with guarantee company support [3] Group 3: Cost Structure Optimization - The bank implements interest rate discounts for small and micro enterprises that align with national industrial policies, providing an average reduction of 0.4 percentage points for 376 enterprises this year [4] - The bank has increased the issuance of policy loans by collaborating with various departments, with a total balance of policy loan products reaching 632 million yuan as of the end of May [4] - The bank promotes transparency in the loan application process by publicly displaying application materials and timelines, reinforcing a customer-centric service philosophy [4]

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]

Core Insights - The company is enhancing support for the county's real economy through various initiatives, including customer visits, product innovation, and service quality improvements [1][2] Group 1: Financial Support Initiatives - The bank has provided comprehensive financial support for agriculture, small enterprises, and community families, with a total loan balance of 20.405 billion yuan as of the end of May, reflecting an increase of 589 million yuan since the beginning of the year [1] - A "thousand enterprises and ten thousand households" outreach program has been implemented to understand customer needs better, resulting in 12,900 customer visits and 612 loans issued amounting to 172 million yuan [1] Group 2: Product Innovation - The bank has introduced various tailored credit products to meet the diverse financing needs of local customers, such as "Good Yuncheng Grain Loan" for grain purchasing clients and "Good Yuncheng Agricultural Loan" for farming clients [2] - The bank is also collaborating with government and guarantee institutions to offer products like "Entrepreneur Guarantee Loan" and "Shandong Guarantee Agricultural Loan" to reduce financing costs for eligible customers [2] Group 3: Service Efficiency - The bank has established multiple online and offline channels for loan applications, ensuring a streamlined approval process with specific turnaround times for different types of loans [2] - The bank has improved mobile payment security and convenience for local small businesses, activating services for 4,700 micro-enterprises and facilitating an average of 7,000 transactions daily [2]

Core Viewpoint - The financial support from Jining Rural Commercial Bank plays a crucial role in the modernization and scaling of the fruit industry, enabling farmers to enhance their production and income through various loan products and services [1][2][4]. Group 1: Financial Support for Farmers - Jining Rural Commercial Bank provided a credit line of 500,000 yuan to a grape planting cooperative, allowing them to improve grape varieties and expand planting scale [2]. - The bank has organized over 60 promotional meetings this year, increasing the credit coverage for the grape planting industry by 3.7 percentage points, with a total of 11.86 million yuan in special loans disbursed, an increase of 4.07 million yuan compared to the same period last year [2]. - The bank has issued a total of 1.575 billion yuan in loans through various products like "Entrepreneur Enjoy Loan" and "Lüdan Agricultural Loan" to support 6,864 clients [3]. Group 2: Innovative Marketing and Sales Support - The bank has introduced innovative financial products and optimized service models to help farmers expand their sales channels, such as the "supermarket direct supply + e-commerce live broadcast" strategy for melon growers [4]. - By categorizing melon growers into four operational models, the bank has tailored comprehensive financial service packages to meet diverse non-financial needs, enhancing local melon visibility through social media and events [4]. - The bank has provided financial services to over 290 melon growers, with total loans exceeding 150 million yuan [4]. Group 3: Overall Financial Performance - As of the end of May this year, the bank's agricultural loan balance reached 9.045 billion yuan, an increase of 459 million yuan, reflecting a growth rate of 5.3% since the beginning of the year [5].

Core Insights - The article highlights the modernization of agriculture in the Huanghe floodplain area of Yuncheng County, facilitated by financial support from Yuncheng Rural Commercial Bank [1][3] - The bank's innovative credit products, such as "Good Yuncheng Agricultural Machinery Loan," have enabled farmers to adopt advanced irrigation technologies, improving efficiency and productivity [1][3] Financial Support and Products - Yuncheng Rural Commercial Bank has introduced specialized agricultural financial products to alleviate funding pressures on farmers, including "Luduan Huinong Loan" and "Good Yuncheng Agricultural Machinery Loan" [3][5] - The bank has simplified the loan application process, implementing a transparent lending system with rapid disbursement, achieving "T+0" loan approval in some cases [3][5] Agricultural Impact - The implementation of smart drip irrigation systems has significantly increased irrigation efficiency, saving water and labor while allowing for precise fertilization, with an expected yield increase of 150 jin per mu this year [3] - As of the end of May, the bank reported total deposits of 47.845 billion yuan, a growth of 2.496 billion yuan since the beginning of the year, and total loans of 23.495 billion yuan, with agricultural loans amounting to 16.9 billion yuan [5] Future Plans - The bank aims to leverage financial resources to promote rural revitalization and support agricultural technology development, focusing on emerging sectors like smart and green agriculture [5] - The bank plans to continue deepening its engagement in the agricultural sector by providing diversified financial services to support the modernization of agriculture [5]

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].