齐鲁晚报.齐鲁壹点王会广通讯员朱国朝 从针对小农户的7万元个人信贷，到面向种植大户的40万元政策性担保贷款，成武农商银行的金融支持 精准且层级分明。该行将自身发展与地方经济紧密结合，积极履行"农村金融主力军"的责任。 秋分时节，成武迎来丰收季。成武农商银行坚守"服务三农、服务小微、服务地方"的市场定位，以金融 支持为手段，助力当地农业发展，在乡村振兴中发挥重要作用。 此次丰收季，辣椒、棉花、玉米、苹果等作物的丰收成果，既体现了农民的辛勤付出，也得益于成武农 商银行的金融助力。未来，成武农商银行将继续以金融活水支持农业发展，与农民携手绘就乡村振兴新 画卷。 对于谋求规模化发展的种植大户，成武农商银行提供更有力的金融支持。种植户姜先生承包了数百亩土 地，想进一步扩大生产，但土地流转和前期投入成本巨大，计划一度停滞。成武农商银行向他推荐并成 功发放了40万元"鲁担惠农贷"。姜先生用这笔钱承包了更多土地，购置了先进农机设备。他表示，有了 农商银行的支持，发展规模农业更有底气。 在成武县经济开发区刘庄村，村民赵女士从事苹果种植。年初，她计划扩大种植规模，但面临资金短缺 难题。成武农商银行客户经理在"整村授信"走访中了解 ...

据悉，"鲁担惠农贷"是山东农担公司服务"三农"的创新举措，通过"政、银、担"三方协同机制，为农业 经营主体提供强有力的信贷担保支持。2024年，泰安市出台《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》，将高效蔬菜等特色产业纳入贴息贴费范围，进一步降低了农户融资成 本。在政策红利的带动下，大羊镇多家新型农业经营主体纷纷受益。贷款资金不仅用于大棚建设，还延 伸至冷链物流、品牌打造和市场拓展，形成了"建一个大棚、兴一项产业、富一方百姓"的良性循环。更 令人欣喜的是，设施农业的发展还有效缓解了当地群众的就业难题。大棚日常管理、采摘包装、运输销 售等环节创造了大量就近就业岗位，不少村民实现了"家门口就业"，既顾了家，又挣了钱。 金秋九月，硕果盈枝。在东平县大羊镇的广袤田野上，一座座现代化蔬菜大棚鳞次栉比，绿意盎然，棚 内瓜果飘香，农户忙碌穿梭，一派生机勃勃的丰收景象。这背后，离不开山东农担公司推出的"鲁担惠 农贷"政策的有力支持，为当地设施农业的蓬勃发展注入了强劲金融动能。 近年来，大羊镇立足本地资源优势，大力发展设施农业，推动蔬菜产业向规模化、标准化、现代化迈 进。然而，不少农村合作社和种植户在 ...

转自：新华财经 近年来，中国银行山东省分行（以下简称"山东中行"）不断加大县域地区涉农贷款支持力度。截至8月 末，该行涉农贷款余额超1700亿元，当年新增230余亿元，以金融"活水"助力建设宜居宜业和美乡村， 全面提升对各类农业客群的服务能力，交出了助力乡村振兴的金融答卷。 扎实推进农产品稳产保供，保障粮食安全 山东中行积极支持粮食、大豆、油料等重点领域龙头企业，扎实做好相关行业种植、生产、加工、运 输、储备、贸易流通全产业链金融服务，助力构建多元化食物供给体系，加强涉粮企业信贷支持，着力 保障粮食安全领域信贷资金需求。截至8月末，该行粮食重点领域贷款余额近百亿元，较年初新增逾18 亿元。 良田、良种、良机、良法是丰收的前提。山东舜丰农业发展有限公司负责人许瑞芬与粮食打交道近20 年，一直致力于小麦良种繁育，近年来又进军玉米良种销售推广。经过不懈努力，舜丰农业携手国内5 家知名种业公司，与400余户种粮大户合作良种繁育推广，小麦良种繁育面积近4万亩，玉米良种推广面 积近3万亩，辐射当地5个乡镇。 收获充满喜悦，但也伴有挑战。繁育基地扩大、良种产量攀升、仓储规模增加，短期流动资金紧缺成了 舜丰农业发展的"拦路虎 ...

农为邦本，本固邦宁。成立于1913年的中国银行山东省分行（以下简称"山东中行"），早在20世纪三十 年代便率先为"梁邹美棉运销合作社"发放了农业贷款，为当时山东农村经济的恢复及时注入了金融动 能。作为山东省历史最悠久的银行，山东中行始终坚持并深刻把握金融工作的政治性、人民性，不断加 大县域地区涉农贷款支持力度。截至8月末，该行涉农贷款余额超1700亿元，当年新增230余亿元，以金 融"活水"助力建设宜居宜业和美乡村，全面提升对各类农业客群的服务能力，交出了助力乡村振兴的金 融答卷。 扎实推进农产品稳产保供，保障粮食安全 山东中行积极支持粮食、大豆、油料等重点领域龙头企业，扎实做好相关行业种植、生产、加工、运 输、储备、贸易流通全产业链金融服务，助力构建多元化食物供给体系，加强涉粮企业信贷支持，着力 保障粮食安全领域信贷资金需求。截至8月末，该行粮食重点领域贷款余额近百亿元，较年初新增逾18 亿元。 在济宁市高新区王因镇的田间地头，大型收割机缓缓驶过，一排排玉米被吞入"腹"中，摘穗、剥皮、脱 粒一气呵成。"今年种了270亩玉米，是高产品种，长势收成不错，整体收益很好。"王因镇魏庙村85后 种植大户杨怀科高兴地说 ...

Core Viewpoint - The "Lu Dan Hui Nong Loan" launched by Shandong Agricultural Guarantee is playing a significant role in boosting the local poultry and livestock farming industry in Xintai City, effectively alleviating the financing difficulties faced by agricultural operators and injecting financial support for rural revitalization [1] Group 1: Financial Support Mechanism - The "Lu Dan Hui Nong Loan" serves as an important financial tool for the "Three Rural Issues," addressing the challenges of "difficult and expensive financing" for agricultural operators [1] - The collaboration between government, banks, and guarantee institutions has created a synergistic mechanism that enhances financial accessibility for farmers [1] Group 2: Policy Impact - The 2024 work plan from Tai'an City emphasizes supporting key agricultural sectors, including high-efficiency vegetables, high-end livestock, and Taishan tea, under the interest subsidy policy [1] - This policy has quickly benefited the poultry and livestock farming industry in Xintai City, with 21 operators successfully obtaining low-interest loans through the "Lu Dan Hui Nong Loan" [1] Group 3: Testimonials and Industry Response - Farmers, such as Mr. Zhuang from Gongli Town, express relief and optimism due to the reduced financial pressure and lower financing thresholds provided by the "Lu Dan Hui Nong Loan" and government subsidies [1] - The coordinated efforts of the "Lu Dan Hui Nong Loan" and Tai'an's subsidy policies have effectively stimulated the vitality of the livestock farming industry in Xintai City, contributing to high-quality agricultural development and rural industry revitalization [1]

Core Viewpoint - The implementation of agricultural credit guarantee policies in Tai'an City, Shandong Province, significantly enhances financial support for agricultural operators, promoting high-quality agricultural development and rural revitalization [1][2]. Group 1: Policy Implementation - In 2024, agricultural operators in Tai'an, such as Mr. Qi, are benefiting from a loan of 1.5 million yuan, supported by low guarantee fees and additional subsidies from the municipal government [1]. - The Tai'an Municipal Government has issued a work plan that provides a 1% interest subsidy and a 50% guarantee fee subsidy for new policy-based agricultural credit guarantee loans targeting key agricultural sectors [1]. Group 2: Market Response - The successful rollout of these policies has led to a notable increase in the number of agricultural operators consulting and applying for the "Ru Tan Hui Nong Loan," indicating strong market demand and the effectiveness of government support [2]. - The Shandong Agricultural Guarantee Tai'an Management Center aims to leverage this momentum to further implement policies and contribute to the modernization of agriculture and rural areas [2].

Core Insights - The article highlights the proactive role of Shandong Lingcheng Rural Commercial Bank in supporting the rural revitalization strategy, particularly during the critical summer grain harvest season [1][2][3] Group 1: Financial Support and Loan Services - The bank's agricultural loan balance reached 3.997 billion yuan, an increase of 526 million yuan since the beginning of the year, effectively boosting local farmers' production and income [1] - The bank facilitated timely loans for farmers facing cash flow issues, such as an 800,000 yuan loan to a local cooperative to cover urgent agricultural expenses [1] - A total of 20 million yuan was approved and disbursed to a large grain grower within half a day to assist with autumn planting costs [2] Group 2: Community Engagement and Service Optimization - The bank conducted extensive outreach, visiting over 4,300 households and various agricultural entities to assess financial needs during the summer harvest and autumn planting [2] - A specialized meeting was held to strategize summer harvest services, establishing direct communication with local agricultural authorities to ensure effective service delivery [2] - The bank introduced a "Three Summer Agricultural Loan" product, collecting information from 275 households and providing 14.55 million yuan in credit to meet concentrated funding needs [3] Group 3: Technological Advancements and Service Efficiency - The bank streamlined the loan application process, reducing documentation requirements and enabling loan disbursement in as little as three minutes [3] - Enhanced service channels were established, including 240 electronic devices and extended banking hours at 20 rural outlets to facilitate smooth financial transactions [3] - The bank's promotional activities during the peak harvest season resulted in an increase of 1.06 billion yuan in deposits and the acquisition of 1,356 new customers [3]

Core Viewpoint - The "Ru Tan Hui Nong Loan" from Shandong Agricultural Guarantee Company has significantly boosted the garlic processing industry in Danjiedian Town, Dongping County, transforming a small workshop into a leading enterprise in the region [1] Group 1: Financial Support and Growth - The local garlic processing client initially faced financial difficulties, which were alleviated by the timely support from Shandong Agricultural Guarantee Company through the "Ru Tan Hui Nong Loan" [1] - The funding enabled the client to expand production scale, upgrade processing equipment, and improve product quality, leading to a transition from a small workshop to a large-scale operation [1] Group 2: Employment and Community Impact - The enterprise has actively employed local villagers, providing them with stable income sources and opportunities to learn new skills [1] - The growth of the enterprise has also stimulated the local garlic planting industry, creating a positive industrial chain [1] Group 3: Contribution to Rural Revitalization - The company has become a vital force in rural revitalization, continuously creating more development opportunities for villagers and contributing positively to the prosperity of the rural economy [1] - The "Ru Tan Hui Nong Loan" is likened to a nurturing force that supports entrepreneurial dreams and paints a beautiful picture for rural revitalization [1]

Core Insights - The Feicheng Xinbaili Dairy Cattle Breeding Cooperative was established in September 2008 and has developed into a provincial-level cooperative integrating dairy cattle breeding, fresh milk sales, beef cattle fattening and sales, new vocational farmer training, and employment solutions for rural poverty alleviation [1] Financial Support - The cooperative faced challenges with cash flow, hindering plans for expansion and facility upgrades [1] - The Shandong Agricultural Guarantee Tai'an Management Center provided a loan of 3 million yuan, which alleviated the cooperative's financial pressure and ensured normal operations such as feed procurement, disease prevention, and payroll [1] Future Development - The cooperative's management expressed that the "Ludang Huinong Loan" support not only addressed immediate financial needs but also boosted their confidence in future development [1] - The cooperative plans to utilize the funds to enhance breeding efficiency, expand job opportunities, and contribute more to rural revitalization [1] - Shandong Agricultural Guarantee aims to continue serving as a bridge to provide precise financial services to more cooperatives and agricultural enterprises, supporting high-quality agricultural development [1]

Core Viewpoint - The article highlights the successful development of the peach industry in Mengyin, Shandong, through various financial and marketing initiatives that support local farmers and enhance the overall supply chain [1][4][5]. Financial Support and Risk Prevention - Mengyin's financial regulatory bureau has implemented targeted measures to support peach farmers, including organizing financial education programs to prevent illegal fundraising and fraud during the peak sales season [2][3]. - A total of 11 teams were formed to conduct on-site financial literacy campaigns, reaching over 18,000 participants during the promotional month [2]. Market Development and Sales Channels - The establishment of a yellow peach trading market has improved pricing power for farmers, with daily transaction volumes reaching over 20,000 jin and prices approximately 0.3 yuan higher than other markets [3]. - Online sales have become a significant channel, with over 4 billion jin of peaches sold through e-commerce platforms, supported by financial products tailored for the e-commerce sector [4]. Industry Chain Enhancement - The financial bureau has facilitated the development of a comprehensive peach industry chain, including a modern peach planting demonstration base and various value-added products [5][6]. - The total loan balance for the peach industry in Mengyin has reached 1.56 billion yuan, supporting various stages of production and sales [4]. Digital Transformation and Efficiency - A new digital platform has been established to streamline transactions and improve efficiency in the peach trading market, moving away from traditional manual accounting methods [7]. - The initiative aims to replicate this digital transformation across other local industries, enhancing overall operational efficiency and reducing transaction costs for small businesses [7].