创新赋能 推动普惠金融服务"立"起来 2023年9月，中国人民银行绵阳市分行指导农业银行绵阳分行联合地方政府相关部门，推出"绵州农房增 信贷"产品，以模式与技术创新破解农户融资困境。 长期以来，农房因流转处置受限且估值体系缺失，无法作为有效的贷款抵押物，致使广大农户手握资产 却难以获得生产经营所需的融资支持。在此背景下，中国人民银行绵阳市分行经过调研和反复论证，创 新推进"基于大数据的农房增信贷款服务"，依托新兴技术重构农房价值评估机制，开辟出一条盘活资 产、助农兴业的全新路径。 创新融资模式，破解抵押难题。项目采用"农房增信+农户承诺+政府备案"的融资模式，将农房作为增 信要素而非抵押物，将已确权农房的价值按比例计入家庭资产，从而提升贷款授信额度。农户只需出具 承诺书，并在政府指定部门备案，即可让"资产"变为"资金"。 强化科技赋能，提升服务质效。项目基于大数据技术，融合农房价值、营收能力、资信状况等多维数据 构建精准的"确权农房增信模型"，实现了贷款服务的智能化评估。基于移动互联技术实现足不出户"一 站式"办贷，极大提升了业务办理效率。基于图像识别技术建立用户身份智能识别模型，有效保障了业 务安全。项目还 ...

Core Viewpoint - The article emphasizes the importance of achieving high-quality and sustainable development in the financial industry, highlighting the significant progress made by Sichuan Hongya Rural Commercial Bank in various operational aspects, leading to improved rankings and recognition within the provincial system [1] Group 1: Ideological Foundation for High-Quality Development - The bank recognizes that the first task for high-quality development is to unify the understanding among all employees, fostering a collective effort towards development [2] - A strong sense of crisis and unity is cultivated through discussions and activities, leading to a consensus on the importance of responsibility and hard work [2] - The bank draws confidence from past successes, reinforcing the belief that practical efforts are essential for future growth [2][3] Group 2: Work Style and Atmosphere - The bank prioritizes work style improvement as a key driver for effective implementation, promoting a culture of "practical action and immediate execution" [4] - A thorough analysis of issues is conducted to enhance institutional frameworks, with specific requirements set for improving work style and discipline [4] - A "four lead and four follow" mechanism is established to ensure accountability and enhance overall execution and efficiency [4][5] Group 3: Mechanism Innovation - The bank develops a multi-dimensional assessment system that combines various evaluation methods to focus on both results and processes [6] - The results of assessments are utilized to guide personnel decisions, ensuring that performance directly influences promotions and job placements [7] - Performance metrics are closely linked to departmental outcomes, fostering a culture where everyone is engaged in achieving results [7] Group 4: Process Control - The bank emphasizes the importance of process management to ensure that decisions are effectively implemented [8] - A "zone commander" marketing initiative is introduced, with leaders overseeing specific areas to ensure compliance with operational standards [8] - A complete feedback loop is established through regular evaluations and adjustments, ensuring continuous improvement in operations [8] Group 5: Market Focus - The bank is committed to deepening its market presence, particularly in rural and urban areas, to solidify its customer base [9] - Active engagement with key enterprises and government entities is prioritized to strengthen relationships and enhance service offerings [9] - A shift in mindset towards smaller, service-oriented business models is encouraged, resulting in significant growth in various loan categories [10] Group 6: Party Leadership - The bank integrates party leadership into its governance structure, ensuring that political guidance supports high-quality development [11] - Political education and organizational strengthening are emphasized to enhance the effectiveness of party operations within the bank [12] - Continuous efforts are made to uphold strict party discipline and foster a positive political environment [12] Conclusion - The practices of Sichuan Hongya Rural Commercial Bank demonstrate that high-quality development is a gradual process rooted in unified thought, improved work style, innovative mechanisms, rigorous process control, market engagement, risk management, and strong party leadership [13]

Core Viewpoint - County-level finance plays a crucial role in promoting rural revitalization and is essential for the development of the county economy, which is closely linked to the support provided by county-level financial institutions [1][2]. Group 1: Role of County-Level Finance in Agricultural Modernization - County-level finance has shown significant achievements in promoting county development, with financial resources increasingly directed towards rural areas, enhancing service networks, and expanding credit scale [3]. - Financial products and services have been innovated to meet diverse financial needs in rural markets, effectively alleviating issues related to financing difficulties [3]. - The application of financial technology, such as mobile payments and online banking, has rapidly increased in rural areas, improving the convenience and efficiency of financial services [3]. Group 2: Challenges Facing County-Level Finance - County-level finance faces numerous challenges, including external economic pressures and a lack of depth and breadth in service to the county economy [5]. - Some financial institutions do not adequately prioritize county markets, and there is a notable shortage of qualified financial professionals willing to work in rural areas [5]. Group 3: Future Development of County-Level Finance - High-quality development of county-level finance requires collaboration among government departments, financial institutions, and market entities [6]. - Government support is essential, including policy optimization, financial institution support, and the establishment of a robust credit system [7]. - Financial institutions should enhance innovation, develop targeted financial products, and leverage modern technologies to improve service efficiency [7]. Group 4: Empowering County Economy and Financial Development through Fintech - Digital government construction can significantly promote resident consumption, especially in stable social systems and higher economic development levels [8]. - Financial technology can help integrate data from various sectors, optimize risk assessment, and enhance the coverage of financial services in rural areas [9][10]. - Strengthening digital infrastructure in rural areas is crucial for improving the efficiency of financial services and facilitating data sharing among institutions [10]. Group 5: New Tasks and Requirements for Financial Services in Rural Revitalization - The transformation of rural revitalization methods necessitates a tailored financial service system for each county, focusing on collaborative financing solutions [15][16]. - Financial institutions are encouraged to shift from being mere fund providers to becoming industry partners, offering comprehensive advisory services [15]. - There is a need for innovative financial products that cater to the specific demands of rural development, including loans for elderly care, childcare, green projects, and consumer loans [16].

中国人民银行张家界市分行牵头建立"企业+金融机构+评估机构"联动机制，全程统筹推进。多次 深入调研，组织金融机构与评估公司召开专题调度会，对该公司数据资产进行市场价值评估，助推数据 资产确权登记。通过多方协作，最终形成科学的评估报告，为贷款发放提供了专业支撑，确保金融创新 在风险可控前提下稳步推进。 在中国人民银行张家界市分行的引导下，张家界农商行积极响应政策导向，率先探索数据资产质押 新模式。该行针对该公司持有的国家级非遗数据资产特点，精心打造并成功推出数据资产增信融资产 品，创新运用"数据资产质押"融资模式，为企业提供有力的信贷支撑。"传统贷款评估多看重固定资 产，我们的土家织锦技艺美术数据及外观专利、作品著作权等，如今也能成为'抵押物'。"该公司负责 人感慨道。这种创新模式有效盘活了企业数据资产，让无形数据转化为有形资金。 近日，《金融时报》记者获悉，在中国人民银行张家界市分行的推动下，一笔国家级非遗数据资产 质押贷款在张家界成功发放，这一突破性举措，标志着当地探索非遗数据资产增信融资取得新进展，为 数字金融发展开辟了全新路径。 中国人民银行张家界市分行将数据资产增信融资作为探索数字金融创新的重要抓手， ...

截至2025年9月，农行怀化通道支行向通道县文旅产业累计投放贷款超1亿元，助推老区旅游发展， 支持打造当地特色民宿、农家乐产业，形成"景区+产业"协同推进的全链条效应。 责任编辑：袁浩 随着当地旅游热度持续高涨，景区内住宿行业也在不断"爆红"，农行怀化通道支行找准金融支持的 切入点，以"惠农e贷-民宿贷"等特色贷为抓手，切实为从事酒店民宿的个体工商户解决融资难、融资贵 的难题。 皇都侗寨景区内，李大哥的民宿里人来人往。"农业银行的资金就像及时雨解了我的燃眉之急，民 宿装修好以后，今年十一黄金周住宿的游客更多了。"李大哥高兴地说。据了解，李大哥家的民宿原本 是一家普通民宿，随着当地旅游热度飙升，李大哥决定对其民宿进行扩建升级，但一直苦于资金缺口而 迟迟没有动工。在了解到这个情况后，农行通道县支行客户经理立即上门，为其量身定制金融服务方 案，仅用时3天就为李大哥发放了一笔50万元的"惠农e贷-民宿贷"。这笔资金的及时到位，让李大哥对 自家民宿进行了整体装修改造，不仅房间焕然一新，还新建了烧烤区、游乐区等配套设施，民宿的口碑 越来越好，入住率持续攀升。 皇都侗寨位于湖南省怀化市通道侗族自治县，是侗族文化保存最为完整 ...

Core Insights - The article highlights the successful development of the yellow flower industry in Hongshibao District, Ningxia, which has become a key driver for rural revitalization and farmer income growth [1][2] Group 1: Industry Development - Hongshibao District has developed a yellow flower planting area of 46,400 acres, producing over 80,000 tons annually, with a total output value of 420 million yuan [1] - The local government and financial institutions have implemented targeted financial support to enhance the quality and scale of the yellow flower industry [2][3] Group 2: Financial Support Mechanisms - The People's Bank of China in Wuzhong has provided 330 million yuan in agricultural loans this year, marking a 21.8% increase year-on-year, with a loan balance for the "six special" industries reaching 2.78 billion yuan [2] - Specific financial products have been developed for the yellow flower industry, including "Huanghua Loan," which has issued 1.2 billion yuan across 1,792 loans to local farmers [3] Group 3: Employment and Community Impact - The yellow flower harvesting season has created job opportunities for 41,000 workers in Hongshibao District, generating labor income of 148 million yuan [4] - Local banking institutions have improved cash supply services to support labor wages, ensuring timely payment for workers during the peak harvesting season [4]

Core Insights - The article highlights the proactive role of Shuyang Rural Commercial Bank in supporting agricultural production during the harvest season by providing tailored financial products and services [1][2] - The bank has introduced innovative financing solutions to address long-standing issues of "financing difficulties and guarantee challenges" in the agricultural machinery sector [1] - Shuyang Rural Commercial Bank has issued a total of 1.811 billion yuan in loans to local grain planting, processing, and storage entities this year, reinforcing its commitment to stabilizing the grain supply and enhancing financial support for farmers [2] Group 1 - Shuyang Rural Commercial Bank is actively injecting financial resources into agricultural production during the critical harvest and planting period [1] - The bank has launched the "Agricultural Machinery Loan" product, which allows for flexible and convenient financing to support agricultural machinery needs [1] - The bank's staff is providing financial education and product promotion to local villagers, ensuring that financial services are accessible in rural areas [1] Group 2 - The bank's services cover the entire grain industry chain, from planting to processing, effectively addressing the financial needs of both farmers and merchants [2] - The cumulative grain loan balance issued by the bank has reached 1.811 billion yuan, demonstrating its impact on local agricultural stability [2] - The bank's commitment to the "three rural issues" reflects its dedication to enhancing the livelihoods of farmers and supporting the agricultural sector [2]

"过去我们合作社去贷款，各家银行总会问'谁说了算''股权怎么分'。现在备案信息一清二楚，对我 们的信任度一下上来了，我们也无需反复解释合作社的股权架构和经营决策方式问题了。"内蒙古兴安 盟科右中旗阿希达食品有限公司负责人杜玉旗道出了企业受益所有人信息备案工作的价值——进一步夯 实银企互信基石。 早在2018年，中国人民银行反洗钱局就规范非自然人客户的受益所有人身份识别工作，下发《关于 进一步做好受益所有人身份识别工作有关问题的通知》。去年4月和10月，中国人民银行、国家市场监 督管理总局再次联合颁布了《受益所有人信息管理办法》以及《受益所有人信息备案指南》。以此为基 础，近年来，中国人民银行兴安盟分行深入践行"金融为民"理念，基于商业银行作为面向市场主体的重 要窗口和服务前端的优势，创新推动的"备案+金融服务"正向激励机制，引导全盟银行机构将受益所有 人信息备案与提升农牧区金融服务质效深度融合，在进一步破解银企信息不对称问题的同时，提升银行 机构尽调充分性和合规性，以促使风险管理与普惠金融服务平衡。 信息透明 为"信用牧区"筑根基 企业受益所有人信息备案不仅能较好支撑反洗钱工作，对于银行贷款业务开展也很重要。 ...

Core Viewpoint - The People's Bank of China and the Ministry of Agriculture and Rural Affairs have initiated a "Financial Chain Leader System" to enhance financial services for rural revitalization, focusing on key agricultural industry chains in Sichuan province [1] Group 1: Financial Chain Leader System Implementation - The Sichuan branch of the People's Bank of China has fully implemented the "Financial Chain Leader System" across 51 cities and counties, establishing service mechanisms for 64 agricultural industry chains, resulting in a loan balance growth of 28.18% year-on-year [1] - This initiative supports the development of key agricultural sectors such as grain, livestock, and tea, aiding 678 leading agricultural enterprises and benefiting over 1.34 million farming households [1] Group 2: Collaborative Mechanisms - A specialized task force led by the People's Bank of China, involving agricultural, financial, and fiscal departments, has been established to facilitate the integration of agricultural industry development with financial services [2] - The implementation plan for the "Financial Chain Leader System" includes a "one chain, one leader" mechanism, designating 64 banks to act as financial chain leaders for local agricultural industries [2] Group 3: Innovative Financial Products - The Sichuan branch has introduced standardized regulations for rural property rights transactions to eliminate bottlenecks in resource confirmation, assessment, and circulation [2] - New financial products such as "Assistance for Agricultural Revitalization Loans" and models like "Re-loan + Specialty Industry" have been promoted, with a total re-loan balance of 1409.46 billion yuan, reflecting a year-on-year increase of 14.35% [2] Group 4: Targeted Financial Solutions - A project list for key agricultural industries has been created, with dedicated financial chain leaders and a consortium of banks, guarantees, and insurance institutions to provide tailored financial services [3] - Financial institutions are encouraged to develop specialized financial product packages and implement interactive financing models to support the integration of primary, secondary, and tertiary industries [3]

Core Insights - The article highlights the significant growth and development of the black fungus industry in Zhuoni County, supported by targeted financial initiatives from the People's Bank of China in Gannan Prefecture [1][2][4]. Financial Support and Initiatives - The People's Bank of China has implemented financial products such as "Zhongzhi e-loan," "Planting e-loan," and "Fumin loan" to support the black fungus industry, resulting in a total loan issuance of 56.4 million yuan by the end of October 2025, marking a year-on-year increase of 12.32% [1][2]. - The Agricultural Bank of China in Zhuoni County has introduced products like "Zhongzhi e-loan" and "Huiqi e-loan" to assist small and micro enterprises and cooperatives in the black fungus supply chain, with 13.4 million yuan in loans already disbursed to 10 related enterprises and cooperatives [3]. Industry Growth and Scale - Zhuoni County has expanded its black fungus cultivation area to 10,000 acres, achieving an annual production of 2,800 tons and a total output value of 208 million yuan [1]. - The county has established over 2,000 standardized greenhouses and 25 cultivation bases, contributing to the rapid growth of the black fungus industry [2]. Economic Impact - The black fungus industry has positively impacted over 5,000 households in Zhuoni County, with an average income increase of 6,000 yuan per household [4]. - The successful development of the black fungus industry has led to the creation of brands such as "Zhuoni Black Fungus," which was included in the national list of special agricultural products in 2024 [4]. Value Chain and Processing - The establishment of a complete value chain in the black fungus industry includes research and development of strains, production of fungus sticks, standardized cultivation, refined processing, and brand development, creating a robust industry community [3][5]. - The introduction of advanced equipment through a 4.9 million yuan loan has increased daily production capacity from 20,000 to 50,000 fungus sticks, ensuring quality and affordability for surrounding cooperatives and farmers [3].