主题银行助力 云南咖啡产业“一路生金”Theme banks assist Yunnan's coffee industry in generating gold along the way
（来源：经济参考报）
随着咖啡市场行情向好，经营着60亩咖啡园的云南省普洱市咖农王艾想扩大种植规模，提高咖啡产量与品质，可资金缺口成为难题。“种咖啡前期投入大，贷款怕门槛高、流程慢、利息重。”王艾很无奈，这也是许多咖农面临的共同难题。
了解到富滇银行普洱分行专为咖农打造的低利率、纯信用、高效率咖啡产业专属信贷政策后，王艾联系了分行客户经理，从工作人员上门调查到贷款审批、资金发放，3天内30万元“普咖贷”就全额到账。“速度快、利息低，不用抵押不用担保，解决了我的燃眉之急。”王艾说，咖啡银行的金融支持是“及时雨”，推动自己的咖啡种植实现精细化转型。
目前，普洱市咖啡种植面积达73.4万亩，采摘面积65万亩，是全国咖啡主产区和贸易集散中心。普洱市副市长封峰介绍，近年来，该市持续推动咖啡精品率不断提升、产业链纵深拓展，带动27万咖农增收致富，这离不开金融机构的精准赋能。
2025年9月，富滇银行普洱分行成立咖啡主题银行，与当地咖啡企业、咖啡庄园、咖啡店建立异业联盟，着力为咖啡全产业链发展提供“一揽子”金融服务，为“普洱咖啡”品牌建设引入源源不断的客流、物流、现金流。这如同“及时雨”，激活了王艾等广大咖农的咖啡种植事业，也成为咖啡主题银行服务咖农的生动写照。
咖啡主题银行通过赋予咖啡“从作物到金融”的全新定义，把传统的银行网点功能与咖啡文化相结合，打造专属的功能布局、咖啡信贷产品体系、咖啡权益体系、咖啡主题活动、普洱咖啡之窗、咖啡增值服务“六专服务”，形成多元一体的复合空间，为咖啡全产业链各类金融主体提供综合金融服务支撑。同时，与人社部门合作，推出“咖啡产业学院”“创业集市”等创业支持，实现“政府+银行+高校+企业”协同服务，为咖啡创业群体提供专属化、定制化的金融服务。
另外，咖啡主题银行针对咖啡全产业链条的经营主体推出“普咖贷”专属产品，包含咖啡项目贷、咖啡种植贷、咖啡加工贷、咖啡庄园贷等十个产品，并申请专项审批授权及专项定价授权，利率产品定价最低可至2.7%。富滇银行副行长纳然说，咖啡主题银行是其倾力打造的一个集金融服务、咖啡品鉴、创业孵化、文化展示、消费体验等多元功能于一体的复合型金融生态空间，特别是“六专”服务体系就像六把金钥匙，为咖啡产业的发展打开更多机遇之门。
据介绍，咖啡主题银行精准赋能产业“毛细血管”，依托“普咖贷”系列特色信贷产品，精准匹配咖啡种植户、加工企业、终端销售商等全产业链不同经营主体的差异化资金需求。截至2026年一季度末，累计新增“普咖贷”投放9348万元，新增发放贷款523笔，户均贷款17.8万元。同时，定制发行普洱本土专属“咖啡主题银行卡”，自开业以来，累计实现发卡2268张，为咖啡产业从业者提供配套专属综合金融服务。
通过组建专业的咖啡产业金融服务团队，开展咖啡冲泡体验、创业主题沙龙等特色活动实现获客引流。自开业以来，咖啡主题银行累计新增个人客户1504户，新增对公客户42户，网点厅堂日到访量由开业前的每日40人增至每日百人以上，业务办理笔数较去年增长51.4%。封峰介绍，希望咖啡主题银行通过独特服务模式，精准覆盖咖啡产业“从种子到杯子”的全生命周期，为产业链上下游注入源源不断的金融活水，施足咖啡“金融肥”，助力咖啡产业“一路生金”。
在咖啡主题银行，客户在办理金融业务的同时，能够沉浸在咖啡的醇厚香气中。纳然说，富滇银行咖啡主题银行通过实实在在的支持、真金白银的让利，助力咖啡产业高质量发展。
(Source: Economic Reference News)
With the improvement of the coffee market, Wang Ai, a coffee farmer in Pu'er City, Yunnan Province who operates a 60 acre coffee plantation, wants to expand the planting scale, improve coffee production and quality, but the funding gap has become a challenge. Wang Ai is helpless, as many coffee farmers face common challenges such as high loan thresholds, slow processes, and heavy interest rates due to the large initial investment required for coffee cultivation.
After learning about the low interest rate, pure credit, and high-efficiency coffee industry exclusive credit policy specially designed for coffee farmers by the Pu'er branch of Fudian Bank, Wang Ai contacted the branch's customer manager. From on-site investigation by staff to loan approval and fund disbursement, the full amount of 300000 yuan of "Pu'er loan" was received within 3 days. Fast speed, low interest rates, no need for collateral or guarantees, solved my urgent need, "said Wang Ai. The financial support of the coffee bank is" timely rain ", promoting the refinement transformation of his coffee planting.
At present, Pu'er City has a coffee planting area of 734000 mu and a picking area of 650000 mu, making it the main coffee producing area and trade distribution center in China. Vice Mayor Feng Feng of Pu'er City introduced that in recent years, the city has continued to promote the continuous improvement of coffee quality rate and the deepening of the industrial chain, which has driven 270000 curry farmers to increase their income and become rich. This cannot be achieved without the precise empowerment of financial institutions.
In September 2025, FuDian Bank Pu'er Branch established a coffee themed bank and formed cross industry alliances with local coffee enterprises, coffee estates, and coffee shops, focusing on providing a "package" of financial services for the development of the entire coffee industry chain, and introducing a continuous stream of customer flow, logistics, and cash flow for the construction of the "Pu'er Coffee" brand. This is like 'timely rain', activating the coffee planting business of many coffee farmers such as Wang Ai, and becoming a vivid portrayal of coffee themed banks serving coffee farmers.
Coffee themed banks combine traditional bank branch functions with coffee culture by giving coffee a new definition of "from crops to finance". They create an exclusive functional layout, coffee credit product system, coffee rights system, coffee themed activities, Pu'er coffee window, and coffee value-added services "six specialized services", forming a diversified and integrated composite space, providing comprehensive financial service support for various financial entities in the entire coffee industry chain. At the same time, in cooperation with the Ministry of Human Resources and Social Security, we have launched entrepreneurship support such as the "Coffee Industry Academy" and "Entrepreneurship Market" to achieve collaborative services of "government+bank+university+enterprise", providing exclusive and customized financial services for the coffee entrepreneurship group.
In addition, the coffee themed bank has launched a "Pu Ka Dai" exclusive product for the entire coffee industry chain, including ten products such as coffee project loans, coffee planting loans, coffee processing loans, coffee plantation loans, etc., and has applied for special approval authorization and special pricing authorization. The lowest interest rate product pricing can be as low as 2.7%. Na Ran, Vice President of Fudian Bank, said that the coffee themed bank is a composite financial ecological space that it has devoted itself to creating, integrating financial services, coffee tasting, entrepreneurial incubation, cultural display, consumer experience and other diverse functions. In particular, the "six specialties" service system is like six golden keys, opening up more opportunities for the development of the coffee industry.
It is reported that coffee themed banks accurately empower the "capillaries" of the industry, relying on the "Pu Ka Dai" series of characteristic credit products, to accurately match the differentiated funding needs of different business entities in the entire industry chain, such as coffee growers, processing enterprises, and terminal distributors. As of the end of the first quarter of 2026, a total of 93.48 million yuan has been invested in "Pu Ka Dai", 523 new loans have been issued, and the average loan per household is 178000 yuan. At the same time, customized issuance of Pu'er local exclusive "coffee themed bank cards" has been achieved since its opening, with a total of 2268 cards issued, providing supporting exclusive comprehensive financial services for coffee industry practitioners.
By establishing a professional coffee industry financial service team and conducting unique activities such as coffee brewing experiences and entrepreneurial themed salons, we aim to attract customers. Since its opening, the coffee themed bank has added a total of 1504 individual customers and 42 corporate customers. The daily visit volume of branch halls has increased from 40 people before the opening to over 100 people per day, and the number of business transactions has increased by 51.4% compared to last year. Feng Feng introduced that he hopes the coffee themed bank can accurately cover the entire life cycle of the coffee industry from seeds to cups through a unique service model, inject a continuous stream of financial vitality into the upstream and downstream of the industry chain, apply sufficient coffee "financial fertilizer", and help the coffee industry "generate gold all the way".
At a coffee themed bank, customers can immerse themselves in the rich aroma of coffee while handling financial transactions. Naran said that Fu Dian Bank's coffee themed bank has helped promote the high-quality development of the coffee industry through tangible support and real monetary concessions.