Core Insights - The People's Bank of China Shandong Branch is focusing on the application of digital technology in rural finance to stimulate new development vitality in agriculture and rural areas through effective supply of digital finance [1] Group 1: Strategic Planning for Rural Digital Inclusive Finance - The initiative aims to enhance the supply of rural digital inclusive finance by utilizing digital technologies such as blockchain and artificial intelligence to optimize credit decision-making processes [2] - Financial resources are being directed towards key areas such as rural digital industries, governance, culture, and smart beautiful villages to improve the sustainability of rural digital finance [2] Group 2: Empowering Rural Financial Services with Digital Technology - The implementation of financial technology in rural revitalization is being promoted, with financial institutions encouraged to customize financing solutions based on agricultural production cycles and characteristics [3] - New financial products and service models, such as "Xingniu Cloud Loan" and "New Agricultural Data Loan," are emerging to support agricultural efficiency and farmers' income [3] Group 3: Enhancing Operational Efficiency and Service Quality - The construction of information service platforms is being strengthened to provide precise profiling of agricultural entities, with a focus on building a financing data service platform that covers nearly 20 million entities [4] - The "Rongyitong" platform in Linyi City is being developed as a model for rural credit system construction, integrating various services to enhance convenience for farmers [4] Group 4: Regional Practices for Innovative Rural Digital Inclusive Finance - A digital platform named "Nongnong e-chain" is being established in Zaozhuang City to address challenges in rural property rights, enabling standardized and digital representation of rural assets [5] - The "Rural Property Digital Asset Locking Certificate + Rural Land Operating Income Pledge" financial service model is being created to ensure priority repayment rights for financial institutions [5] - As of now, 894 households and village collectives have been confirmed in the chain, with loans totaling 5.55 million yuan issued through the "Nongquan e-loan" product [5]
中国人民银行山东省分行:强化数字金融供给 助力高质量打造乡村振兴齐鲁样板
Qi Lu Wan Bao·2025-05-21 23:29