看金融“活水”如何激活蔡甸千年藕田
<section style="font-size: 17px; letter-spacing: 1px; line-height: 2; box-sizing: border-box; text-align: justify; color: rgb(62, 62, 62);"><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row; margin: 10px 0px 20px; position: static; box-sizing: border-box;"><section style="display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 100 100 0%; border-style: solid; border-width: 1px; border-color: rgb(179, 211, 128); border-bottom-right-radius: 18px; box-shadow: rgb(255, 255, 255) 2px 2px 0px 0px, rgb(255, 228, 224) 5px 5px 0px 0px; height: auto; margin: 0px 5px 0px 0px; overflow: hidden; box-sizing: border-box;"><section style="justify-content: flex-start; display: flex; flex-flow: row; position: static; box-sizing: border-box;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; padding: 18px; box-sizing: border-box;"><section style="display: flex; width: 100%; flex-flow: column; box-sizing: border-box;"><section style="position: static; z-index: 1; box-sizing: border-box;"><section style="text-align: justify; box-sizing: border-box;"><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">电影《哪吒2》里，太乙真人以莲藕为骨重塑哪吒真身，赋予其逆天改命的神力，因此有不少网友调侃“<span style="color: rgb(179, 211, 128); box-sizing: border-box;"><strong style="box-sizing: border-box;">哪吒是武汉蔡甸人</strong></span>”。如今，在蔡甸区这片“<span style="color: rgb(179, 211, 128); box-sizing: border-box;"><strong style="box-sizing: border-box;">中国莲藕之乡</strong></span>”，“金融活水”正以同样的“重塑之力”激活千年藕田，让传统农业焕发新机。</p></section></section></section></section></section></section></section><section style="box-sizing: border-box;"><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="color: rgb(226, 15, 25); box-sizing: border-box;"><strong style="box-sizing: border-box;">金融筑基：打造莲藕产业</strong></span><strong style="box-sizing: border-box;"><span style="color: rgb(226, 15, 25); box-sizing: border-box;">“火尖枪”</span></strong></p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br/></p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">针对莲藕产业“轻资产、缺抵押”的痛点，武汉农商行推出“楚银贷”专属产品，构建“政府担保分险+产业联盟”融资体系，通过“龙头企业+合作社+农户”批量授信模式，为莲藕产业筑牢坚实根基。</p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; position: static; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0; box-sizing: border-box;"></section></section><section style="box-sizing: border-box;"><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">某合作社计划春节过后开展千亩基地的扩建和灌溉沟渠更新改造，但面临资金短缺问题。武汉农商行蔡甸支行积极对接、主动服务，仅用3个工作日便完成了300万元贷款的审查、放款流程。同时，依托合作社的莲藕采购销售合同，为50多户农户批量授信1000万元。</p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br/></p></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; position: static; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0; box-sizing: border-box;"></section></section><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><section style="box-sizing: border-box;"><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">截至目前，该行累计为23家合作社以及146户种植大户提供了1.2亿元的专项贷款，推动蔡甸区莲藕种植面积突破15万亩。</p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br/></p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="color: rgb(226, 15, 25); box-sizing: border-box;">产业升级：构建三链融合“乾坤圈”生态</span></strong></p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br/></p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">武汉农商行蔡甸支行深度融入蔡甸区“三链融合”战略，创设“科创贷+成果转化”双轮驱动机制，支持本地企业与高校合作研发，推出更多莲藕加工食品，壮大延伸产业链条。</p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; position: static; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0; box-sizing: border-box;"></section></section><section style="box-sizing: border-box;"><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">武汉某公司是一家长期经营莲藕加工的小微企业。为助力企业开发藕粉、藕汁等高附加值产品，武汉农商行蔡甸支行多次深入企业实地考察，经过反复研究讨论，为其量身定制“设备融资租赁+订单预付款融资”组合的金融服务方案，帮助企业建成华中地区首条智能化藕汁生产线。此生产线使藕粉出品率从65%提升至92%，产品附加值增长3倍。</p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br/></p></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; position: static; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0; box-sizing: border-box;"></section></section><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><section style="box-sizing: border-box;"><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">在创新突破方面，武汉农商行联合武汉农科院、湖北工业大学等高校院所，发放涉农科技型企业贷款81.89亿元，帮助多家企业开发冻干藕粉、膳食纤维等30余种深加工产品，借助电商直播、社区团购等渠道进行销售，实现年销售额超过4000万元。</p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br/></p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="color: rgb(226, 15, 25); box-sizing: border-box;">数字赋能：塑造“三头六臂”服务体系</span></strong></p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br/></p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">线上普惠产品“鑫圈e贷”“速E贷”实现农户和小微企业在田间地头“一点就贷”，同时组织银企对接，推出多重权益活动，重点支持“莲藕+文旅”新业态，推动三产融合发展。</p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; position: static; box-sizing: border-box;"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0; box-sizing: border-box;"></section></section><section style="box-sizing: border-box;"><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">十里莲华养心谷打造荷塘文旅IP，融合了自主劳动区、文创体验区、直播带贷区于一体，是新晋的网红打卡地。在武汉农商行蔡甸支行500万元的信贷支持下，该公司逐步发展壮大，开启“农业+文旅+电商”新模式，多次联合高校开展直播带货、研学活动，年吸引游客超1万人次，带动周边村集体年均增收80万元。截至目前，武汉农商行已支持10余家以“赏荷品莲”为主题的乡村休闲游项目，贷款金额超5亿元。</p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br/></p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">武汉农商行相关负责人表示，未来将探索“莲藕产业基金”“碳汇金融”等创新工具，推动莲藕产业向绿色化、数字化升级，助力蔡甸区打造全国莲藕产业高地。</p><p style="text-wrap-mode: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br/></p></section></section><section style="max-width: 100%; font-family: -apple-system-font, Helvetica, PingFang SC, Hiragino Sans GB, Arial, Microsoft YaHei; text-wrap: wrap; color: rgb(62, 62, 62); font-size: 17px; letter-spacing: 1px; text-align: justify; background-color: rgb(255, 255, 255); -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; box-sizing: border-box; overflow-wrap: break-word !important;"><section powered-by="xiumi.us" style="overflow-wrap: break-word !important; max-width: 100%; -webkit-tap-highlight-color: transparent; margin: 0.5em 0px; padding: 0px; outline: 0px; 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-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important;">来源：蔡甸融媒 </span><span style="overflow-wrap: break-word !important; color: rgb(136, 136, 136); font-size: 14px; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important;">武汉农村商业银行微信公众号</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; text-wrap: wrap; color: rgb(62, 62, 62); font-size: 17px; text-align: justify; background-color: rgb(255, 255, 255); -webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: normal; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px; box-sizing: border-box !important;">制作：吴天 吴梦 | </span><span style="overflow-wrap: break-word !important; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 0.544px; font-size: 14px; box-sizing: border-box !important;">编辑：熊霞 | </span><span style="overflow-wrap: break-word !important; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px; box-sizing: border-box !important;">责编：方军</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; text-wrap: wrap; 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