一杯“加农”咖啡香飘八桂A cup of "Canadian style" coffee wafts with the fragrance of osmanthus

在广西，咖啡的故事正在被重新书写。漫步八桂大地，加工厂的繁忙生产，乡村咖啡馆的烟火暖意，城市银行网点里萦绕着同款醇厚香气，一粒咖啡红果从枝头到杯中串联起种植户的增收期盼，贯穿这条完整产业链全程保驾护航的，正是广西农商联合银行源源不断的金融支持。

从一粒红果开始，金融“活水”浇灌“致富树”

咖啡种植前期投入大、资金回笼周期长，普通农户想要扩大规模、搭上特色农业快车，最棘手的难题就是缺少启动本金，没有资金支撑，产业发展寸步难行。

百色市西林县句町咖啡发展贸易有限公司，是当地深耕咖啡全产业链的本土企业。公司从科研育种起步，逐步打通种植、加工、销售全环节，搭建起完善产业体系，采用“企业+基地+农户”模式，自建示范基地，为周边农户统一供应种苗、提供技术指导，采收季兜底收购鲜果，既保障原料品质，又解决农户销路难题，让深山土地焕发增收活力。

但全产业链运营，资金压力也随之倍增。每年采收季企业需垫付大额鲜果收购款，基地管护、农资采购、设备升级、新品研发处处需要资金周转，资金缺口一度成为企业扩规模、带农增收的最大阻碍。

西林农商行主动下沉走访，精准对接企业需求，量身定制金融服务方案，快速发放400万元专项贷款，用于鲜果采购、设备升级、研发推广与日常周转。资金及时到位，企业顺利兑付农户收购款，进一步扩大合作版图，带动更多农户投身咖啡种植。

在持续金融护航下，企业从种子到杯子的全产业链布局愈发稳固，咖啡也成为当地特色富民产业，小小咖啡果变身农户“致富果”，一条完整的乡村咖啡产业链在山野间逐步成型。

从山野到村咖，金融引擎驱动乡村新业态

在桂林阳朔，咖啡与桂林山水相融，催生了特色乡村文旅新业态，为乡土烟火增添了一缕醇香，更为乡村振兴注入新动能。

阳朔农商行金融专员为经营主体量身定制金融服务方案

遇龙河、十里画廊沿线，依托优质文旅资源，乡村咖啡馆遍地开花。经营户黎女士一直想升级店面、添置设备、打造户外休闲区，却因资金不足迟迟无法推进。阳朔农商行金融专员走访摸排后，快速为其发放50万元贷款，助力小店提档升级，如今这里已成游客打卡热门地，生意持续红火。

阳朔龙城村“遇见岩心 洞穴咖啡”创意独特，岩洞改造资金缺口较大，银行依托文旅专属“小朔易贷”，简化审批流程、提速放款，发放20万元贷款，助力其成为阳朔特色文旅名片。

截至2025年12月底，“小朔易贷”已支持1275户文旅经营主体，用信余额12.55亿元。乡村咖啡馆不仅盘活了文旅资源，更带动本地农特产品、手工艺品外销，吸引年轻人返乡创业。阳朔农商行同步推出政府贴息创业担保贷，助力86名创业者解决资金难题，为乡村文旅发展筑牢金融支撑。

从田间到网点，金融温度融入城市烟火

金融助力产业发展，不止于前端资金扶持，更在于贴近民生、创新服务场景。在南宁五象新区金融街，广西农商联合银行将咖啡文化搬进网点，让金融服务更具烟火气。

南宁市区联社五象总部分社“咖啡主题银行”

走进南宁市区联社五象总部分社，咖啡香气扑面而来，客户办理业务时可免费享用现磨咖啡。网点聚焦周边年轻白领、新市民群体，贴合一站式服务需求，将传统业务办理转变为温情服务体验，让金融服务真正贴近群众、融入日常。

这一创新，是广西农商联合银行服务理念的全新升级。金融助农兴产，从来不止放贷一个维度，贴近群众生活，才能让服务更有温度，让金融力量润物无声走进大众生活。

从田间鲜果、车间加工，到山野村咖、城市网点，广西农商联合银行的金融支持，贯穿本土咖啡产业全链条，实现全方位精准赋能。

这杯“加农咖啡”醇香四溢，背后是农户的辛勤耕耘，是实打实的金融扶持，更是广西农商扎根乡土、服务“三农”、助力乡村振兴的初心担当。它早已不只是一杯饮品，更是联结城乡、衔接产业、拉近金融与民生的温暖纽带，藏着农户增收的喜悦，透着八桂产业的蓬勃生机。

未来，广西农商联合银行将继续深耕八桂大地，持续优化金融服务、创新信贷产品，以金融“活水”滋养特色产业链，带着乡村振兴的美好愿景，让这杯乡土咖啡香飘更远，为广西特色产业高质量发展注入不竭动力。

In Guangxi, the story of coffee is being rewritten. Strolling through the land of Bagui, the busy production of processing factories, the warmth of fireworks in rural cafes, the same rich aroma lingering in urban bank branches, a coffee red fruit connecting the expectations of growers for income growth from the branch to the cup, and the continuous financial support from Guangxi Rural Commercial Bank is the driving force throughout this complete industrial chain.

Starting from a red fruit, financial 'living water' irrigates the 'wealth tree'

The initial investment in coffee cultivation is large and the capital recovery cycle is long. The most difficult problem for ordinary farmers to expand their scale and catch the fast train of characteristic agriculture is the lack of start-up capital and financial support, making it difficult for the industry to develop step by step.

Kuching Coffee Development and Trade Co., Ltd. in Xilin County, Baise City, is a local enterprise that deeply cultivates the entire coffee industry chain. The company started with scientific research and breeding, gradually connecting the entire process of planting, processing, and sales, and building a sound industrial system. It adopts the "enterprise+base+farmer" model, builds its own demonstration base, and provides unified supply of seedlings and technical guidance for surrounding farmers. During the harvest season, it purchases fresh fruits to ensure the quality of raw materials and solve the problem of farmers' sales channels, making the deep mountain land full of income vitality.

But with the operation of the entire industry chain, the financial pressure has also doubled. Every year during the harvest season, enterprises need to advance large amounts of fresh fruit purchase funds, and there is a need for capital turnover in base management, agricultural material procurement, equipment upgrades, and new product research and development. The funding gap has become the biggest obstacle for enterprises to expand their scale and increase farmers' income.

Xilin Rural Commercial Bank took the initiative to visit and accurately meet the needs of enterprises, tailored financial service plans, and quickly issued a special loan of 4 million yuan for fresh fruit procurement, equipment upgrades, research and development promotion, and daily turnover. The funds are timely in place, and the enterprise successfully repays the purchase payments from farmers, further expanding the cooperation scope and driving more farmers to participate in coffee planting.

Under the continuous financial support, the entire industry chain layout of enterprises from seeds to cups has become increasingly stable, and coffee has become a local characteristic industry for enriching the people. Small coffee fruits have become the "fruit of wealth" for farmers, and a complete rural coffee industry chain is gradually taking shape in the mountains and fields.

From mountainous areas to village cafes, financial engines drive new rural business models

In Yangshuo, Guilin, coffee blends with the scenery of Guilin, giving birth to a new form of characteristic rural cultural tourism, adding a touch of fragrance to the local fireworks, and injecting new momentum into rural revitalization.

Yangshuo Rural Commercial Bank's financial specialist customizes financial service solutions for business entities

Along the Yulong River and Shili Gallery, relying on high-quality cultural and tourism resources, rural cafes are blooming everywhere. Ms. Li, the business owner, has always wanted to upgrade her storefront, purchase equipment, and create an outdoor leisure area, but has been unable to proceed due to insufficient funds. After a visit and investigation by the financial specialist of Yangshuo Rural Commercial Bank, they quickly issued a loan of 500000 yuan to help the small shop upgrade and upgrade. Nowadays, this place has become a popular spot for tourists to check in, and business continues to thrive.

Yangshuo Longcheng Village's "Encountering Rock Core Cave Coffee" has a unique idea, but there is a significant funding gap for cave renovation. The bank relies on the cultural and tourism exclusive "Xiaoshuo Easy Loan" to simplify the approval process and speed up loan disbursement, issuing a loan of 200000 yuan to help it become a characteristic cultural and tourism business card of Yangshuo.

As of the end of December 2025, "Xiaoshuo Yidai" has supported 1275 cultural and tourism business entities with a credit balance of 1.255 billion yuan. Rural cafes not only activate cultural and tourism resources, but also drive the export of local agricultural products and handicrafts, attracting young people to return home and start businesses. Yangshuo Rural Commercial Bank has simultaneously launched government subsidized entrepreneurship guarantee loans, helping 86 entrepreneurs solve their financial difficulties and building financial support for rural cultural and tourism development.

From fields to branches, financial temperature blends into urban fireworks

Financial assistance for industrial development is not only about front-end funding support, but also about being close to people's livelihoods and innovating service scenarios. At the Financial Street of Wuxiang New District in Nanning, Guangxi Rural Commercial Union Bank has brought coffee culture into its branches, making financial services more vibrant.

Nanning City District Federation of Five Xiang Headquarters Branch "Coffee themed Bank"

Walking into the Wuxiang headquarters branch of Nanning City Union, the aroma of coffee fills the air, and customers can enjoy freshly ground coffee for free when handling business. The branch focuses on young white-collar workers and new citizens in the surrounding area, catering to the one-stop service needs, transforming traditional business processing into a warm service experience, and making financial services truly close to the masses and integrated into daily life.

This innovation is a new upgrade of the service concept of Guangxi Rural Commercial Union Bank. Financial assistance for agricultural development is never just about lending. Only by being close to people's lives can services be more warm and financial power silently enter people's lives.

From fresh fruits in the fields and workshop processing, to mountain village cafes and urban branches, the financial support of Guangxi Rural Commercial Bank runs through the entire chain of the local coffee industry, achieving precise empowerment in all aspects.

This cup of "Jia Nong Coffee" is full of fragrance, and behind it is the hard work of farmers, tangible financial support, and the original intention and responsibility of Guangxi farmers and merchants to root in the countryside, serve agriculture, rural areas and farmers, and help rural revitalization. It is no longer just a drink, but also a warm bond that connects urban and rural areas, connects industries, and brings finance and people's livelihoods closer. It hides the joy of increasing farmers' income and reflects the vigorous vitality of the Guangxi industry.

In the future, Guangxi Rural Commercial Union Bank will continue to deeply cultivate the land of Guangxi, continuously optimize financial services, innovate credit products, nourish the characteristic industrial chain with financial "living water", and bring the beautiful vision of rural revitalization to let the aroma of this local coffee drift further, injecting inexhaustible power into the high-quality development of Guangxi's characteristic industries.