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.
Liaoning ICP Security No. 21122402000217