(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.