围绕助力乡村振兴战略全面推进，山东陵城农商银行发挥自身优势，紧抓夏粮夏收这一关键农时节 点，以精准服务全面助力夏粮颗粒归仓。截至目前，全行涉农贷款余额39.97亿元，较年初增加5.26亿 元，有力"贷"动辖区农户增产增收。 "农商银行的贷款支持，是我们今年夏收高产的坚实支撑。"德州市陵城区兴路种植专业合作社刚完 成夏收，负责人刘向强看着新麦入仓，脸上满是掩不住的喜悦。刘向强从事种植业已有9年时间，早期 靠家庭自有土地开展分散种植；经过多年积累，2021年种植规模扩大到800余亩，并且通过引进优质粮 食品种和大型农机设备，每亩产量可达1300斤左右。今年麦收前，为确保产量和收割效率，他追加了化 肥、农药、除草剂等农资投入，还计划提前订购一批柴油用于收割机作业，短时间内出现了数十万元的 资金缺口。陵城农商银行客户经理在开展"夏收走访行动"中得知这一情况，立刻上门实地察看麦田长 势、核实经营情况，并在现场启动"鲁担惠农贷"绿色通道。仅用一天时间，80万元贷款顺利发放到账， 解了刘向强的燃眉之急。"这钱来得真及时！化肥、农药、机油全都能一次备齐，收割的时候就能马不 停蹄了。"刘向强高兴地说。 当地的夏收秋种之间大约间 ...

国家金融监督管理总局农村中小银行监管司在《中国农村金融》杂志2025年第3期发表了题为"萃取 优秀经验 办好农村中小银行"的文章。文章发表的背景是，金融监管总局农村银行司专门成立课题组， 选取了189家优质机构（包含农合机构162家、村镇银行27家）开展调研，深入比对研究，总结共性特点 和良好经验做法。文章指出，受访机构总体经营指标良好，支农支小特色鲜明。文章同时总结了包 括"坚持和加强党的领导，选优配强班子，当好'领头雁'"等八项优质机构的良好实践做法，最后阐述 了"坚持和加强党的领导、坚守支农支小市场定位、健全风险防控机制以及加快推进提质发展"有益于农 村中小银行发展四条借鉴与启示。 文章显示，上述189家被调研的机构以30%的资产规模，贡献了农村中小银行50%的净利润。毋庸 置疑，金融监管部门强调"萃取优秀经验 办好农村中小银行"目的是为了能够让这些优秀经验得以推 广，同时，也进一步证明了"农村中小银行是可以办好的"，农村中小银行是县域金融不可或缺的重要力 量，更是支农支小，服务乡村振兴的主力军。 一段时间以来，由于部分地区的农村中小银行出现了一些高风险机构，甚至有的省高风险机构数量 较多。同时，由于农 ...

Core Insights - Anji white tea has a planting area of nearly 170,000 acres and a brand value of 2.9 billion yuan, significantly contributing to local farmers' income with an average annual increase of about 5,000 yuan per farmer [1][2] Financial Innovations - Agricultural Bank of Anji County launched "White Tea e-loan" to meet the funding needs of tea farmers for expanding planting areas and updating equipment, leveraging financial technology and the "White Tea Industry Brain" platform [1] - The introduction of "White Tea Loan + Weather Insurance" combines loans with weather risk management, providing additional support to tea farmers and addressing funding gaps and income impacts from low-temperature weather [2] Risk Management - The Anji government and a local insurance company introduced the first weather index insurance for the tea industry, which compensates farmers based on temperature data during the tea picking season [1] - This innovative insurance product allows farmers to receive compensation if the daily minimum temperature falls below a predetermined level, thus mitigating risks associated with spring frost [1] Collaboration and Future Plans - The collaboration between Agricultural Bank, the local meteorological bureau, and the insurance company represents a new model of financial support for the agricultural sector [2] - The bank plans to explore more "finance + weather" applications and develop new financial tools to better serve local economic development and promote high-quality growth in Anji's green industry [2]

Core Insights - The article highlights the unique coffee culture of ethnic minorities in Pu'er, Yunnan, where coffee cultivation is integrated into traditional lifestyles, creating a cultural phenomenon alongside economic development [1] Group 1: Ethnic Minority Coffee Culture - The Wa ethnic group in Ximeng County creatively uses coffee byproducts to produce "coffee silk," which is incorporated into traditional weaving, enhancing the cultural heritage and generating economic value [2] - The Lahu ethnic group incorporates coffee into their traditional belief system, using it in rituals and promoting organic farming practices, resulting in higher market prices for their coffee [3] Group 2: Financial Support for Coffee Industry - The People's Bank of China in Pu'er has initiated financial services tailored to the coffee industry, establishing a comprehensive financial support model to meet the diverse needs of coffee enterprises [4] - Innovative financing solutions, such as "Coffee Loans," have been developed to address the lack of collateral and liquidity among coffee producers, significantly increasing the loan balance for the coffee industry [5] Group 3: Economic Impact and Growth - By the end of 2024, Pu'er had 679,000 acres of coffee plantations, accounting for 52.51% of the national total, with a coffee production of approximately 51,600 tons, representing 34.63% of the national output [8] - The coffee industry in Pu'er has seen a remarkable increase in comprehensive output value, reaching 8.508 billion yuan, with a growth of 3.06 times over three years, benefiting local farmers significantly [8] Group 4: Cultural and Economic Synergy - The interaction between culture, industry, and finance in Pu'er presents a new development model for ethnic minority regions, where cultural uniqueness enhances competitive advantage and financial tools convert cultural value into economic benefits [9]

Core Viewpoint - The People's Bank of China (PBOC) in Xingan League is focusing on "two platforms and one system" as a financial engine for the development of small and micro enterprises, aiming to enhance their industrial growth and support rural revitalization efforts [1] Group 1: Accounts Receivable Financing Service Platform - The accounts receivable financing service platform is effectively supporting the development of enterprises by allowing them to obtain financing through accounts receivable pledges, exemplified by a company receiving a credit loan of 3 million yuan [2] - In the first half of 2025, the platform registered 88 new users, with small and micro enterprises successfully obtaining 33 financing deals totaling 424 million yuan, significantly improving financing efficiency [2] Group 2: Fund Flow Credit Information Sharing Platform - The fund flow credit information sharing platform enables small enterprises to quickly obtain credit loans based solely on their cash flow, addressing significant financing challenges [3] - From January to June 2025, local state-owned commercial banks issued loans totaling 27.5 million yuan to 26 enterprises through the fund flow platform, enhancing the enterprises' financial capabilities [4] Group 3: Unified Registration and Publicity System for Movable Property Financing - The unified registration and publicity system for movable property financing has facilitated a company to secure a credit line of 20 million yuan through a "rice pledge" model, demonstrating the system's effectiveness in enhancing the clarity of property rights [5] - In the first half of 2025, 261 registration transactions were completed in the Xingan League region, with 2,171 queries, indicating the system's role in alleviating financing bottlenecks for enterprises [5] Group 4: Overall Impact on Small and Micro Enterprises - The PBOC in Xingan League is committed to using financial services to support the growth of small and micro enterprises, which are vital to the real economy, thereby contributing to sustained economic improvement [6]

2019年，通辽市奈曼旗工业园区陆续引入了玻璃纤维生产企业，急需发展资金的初创企业缺少传统 抵押物，各家金融机构持观望态度，内蒙古银行通辽分行第一时间响应奈曼旗委号召，主动对接工业园 区16家玻纤企业，逐一了解企业厂房建设进度、上游供货商情况、下游产品销售市场情况，并组织骨干 团队到河北沧州玻纤企业聚集地进行市场调研，了解玻纤产品市场前景、下游销货方生产经营情况，为 推出玻纤贷特色服务模式打下了坚实基础。考虑到企业缺乏抵押物难题，该行主动对接内蒙古鑫厵担保 公司、通辽市农牧业融资担保公司，协助解决企业担保难问题。紧接着，内蒙古银行通辽分行结合企业 实际状况，通过深入的市场调研，多次沟通总行条线部门，以企业的"铂铑合金干锅"为抵押，解决了企 业建设初期缺乏有效担保问题，为奈曼旗玻璃纤维生产企业量身定制了"玻纤贷"特色服务模式，蹚出了 一条奈曼旗玻纤企业金融服务新路子。截至2025年6月末，该行累计为奈曼旗工业园区13家玻纤企业提 供融资支持2.96亿元，余额8970万元，解决了玻璃纤维生产企业初建、扩建过程中融资难题，为小微企 业发展壮大提供金融支持，为当地居民就业提供助力，获得了奈曼旗政府、小微企业和广大居民 ...

Core Viewpoint - The Agricultural Bank of China Yichun Branch is committed to providing comprehensive financial support to private enterprises, which are crucial for economic growth, innovation, and job creation in Yichun, Jiangxi Province [1] Group 1: Innovative Financial Products - The Yichun Branch has launched the "Technology e-loan" product to address financing difficulties faced by technology-oriented SMEs, allowing companies to use intellectual property as collateral instead of fixed assets [2] - Jiangxi Jindieli Packaging Co., Ltd. secured a credit line of 10 million yuan through patent pledges, demonstrating the effectiveness of the new financing model [2] - As of June 2025, the balance of "Technology e-loan" products reached 470 million yuan, serving 72 enterprises, with over 80% of loans granted to micro-enterprises, and an average interest rate reduction of 0.3 percentage points compared to the previous year [2] Group 2: Enhanced Service Mechanisms - The Yichun Branch established a special leadership group for technology finance and a dynamic management system for a "white list" of technology enterprises [3] - The "Three Special and Two Fast" service system was created to provide tailored solutions, specialized channels, and professional teams for rapid response and implementation [3] - A dual-track mechanism involving branch leaders and dedicated personnel has facilitated engagement with 6,904 enterprises, compiling a detailed financing demand list of 5,024 entries [3] Group 3: Technology Empowerment - The Yichun Branch utilizes financial technology to enhance service efficiency, including the "Inclusive e-Station" online platform for streamlined loan applications [4] - The online application conversion rate reached 45% in the first half of the year, indicating improved accessibility for SMEs [4] - The development of a "Smart Risk Control Brain" has increased the accuracy of pre-loan screening by 40%, effectively managing risks while improving service efficiency [4] - As of June 2025, the balance of loans to private enterprises increased by 1.243 billion yuan year-on-year, with 12 enterprises recognized as provincial-level specialized and innovative firms [4]

Group 1 - The core viewpoint is that China Cinda's Inner Mongolia branch is actively exploring new paths for the transformation and development of resource-based regions while maintaining local economic and financial stability [1][2]. - The company has been involved in the acquisition and disposal of non-performing coal debts since 2015, focusing on projects like Hengtai Coal and Yihua Mining [1]. - The company has successfully acquired over 6.3 billion yuan in non-performing debts from financial institutions, significantly reducing the total amount of non-performing assets in Alxa League [2]. Group 2 - China Cinda's Inner Mongolia branch has engaged in risk resolution for Taixi Coal Group by participating in special risk resolution meetings organized by local financial authorities [2]. - The company conducted extensive due diligence over nearly a year, traveling thousands of kilometers to clarify the complex mortgage and seizure situations of Taixi Coal Group's assets [2]. - The company has established a "coal business ecosystem" by accumulating quality clients and collaborating with major industry investors, thereby enhancing its restructuring and reorganization capabilities [3]. Group 3 - The company has implemented tailored restructuring plans for clients like Mengxing Group, addressing issues such as debt mismatches and operational disruptions [3]. - Innovative measures have been taken to recover 3 billion yuan in defaulted bonds from Boyuan Group, utilizing a comprehensive approach that includes cash recovery and debt restructuring [3]. - The company aims to contribute to high-quality development and risk prevention in the energy sector by leveraging its business advantages and supporting major regional strategies [3].

商业银行并购贷款将迎来监管新规！ 为推动商业银行优化并购贷款服务，助力现代化产业体系建设和新质生产力发展，金融监管总局对《商 业银行并购贷款风险管理指引》（以下简称《指引》）进行修订，形成《商业银行并购贷款管理办法 （征求意见稿）》（以下简称《办法》），于日前向社会公开征求意见。 修订重点包括： 一是拓宽并购贷款适用范围。《办法》首次允许并购贷款支持满足一定条件的参股型并购交易（单次取 得目标企业的股权比例不得低于20%）。 二是对开展控制型和参股型并购贷款业务的商业银行，设置差异化的资产规模要求。 三是进一步提高并购贷款占并购交易价款比例上限，延长贷款最长期限要求。 四是强调偿债能力评估。银行应重点评估并购方偿债能力，关注并购后企业的发展前景、协同效应和经 营效益。 上海金融与发展实验室首席专家、主任曾刚在接受《金融时报》记者采访时表示，《办法》以"规范业 务+防控风险+支持经济"为核心，既搭建了清晰的业务框架，又针对并购贷款的特殊性强化了精细化管 理，为商业银行提供了明确的业务指引。 允许支持满足一定条件的参股型并购交易 "《办法》首次将参股型并购（持股≥20%）纳入支持范围，更好满足产业链协同与创新整合 ...

Core Viewpoint - The Qingdao turbine group, once a key player in China's turbine manufacturing, is undergoing a significant restructuring process to recover from financial distress, with the support of China CITIC Financial Assets, which has implemented a comprehensive restructuring plan to revitalize the company and protect jobs [1][6]. Group 1: Company Background and Financial Distress - The Qingdao turbine group has over 1,200 employees and nearly 1,000 creditors, with total debts exceeding 6 billion yuan [1]. - The company faced severe challenges after 2010 due to equity disputes and management issues, leading to a situation where it was on the brink of bankruptcy by 2022 [1]. Group 2: Restructuring Efforts - In early 2022, CITIC Financial Assets identified the group's debt issues and initiated a "breaking the ice" operation to address the financial crisis [2]. - By 2024, the restructuring efforts included a "dual-line operation" strategy to communicate with stakeholders and expedite the approval of restructuring plans [2]. Group 3: Comprehensive Recovery Plan - The recovery plan consists of three dimensions: - **Financial Support**: Providing immediate funding to resolve liquidity issues and stabilize operations [3][4]. - **Management Reconstruction**: Enhancing management practices by integrating consulting experts and optimizing operational processes [4]. - **Industry Integration**: Leveraging opportunities in carbon reduction and smart transformation to align with national policies [4]. Group 4: Broader Implications - The restructuring is seen as a model for revitalizing traditional manufacturing sectors, showcasing the importance of financial services in supporting real economic development [6]. - The case highlights the collaborative efforts of CITIC Financial Assets and its subsidiaries in providing comprehensive financial services to facilitate the company's recovery and promote high-quality local economic development [6].