农村商业银行发力“支农支小”

Core Viewpoint - Rural commercial banks play an irreplaceable role in providing financial services to agriculture and rural areas, especially during the critical period of advancing the rural revitalization strategy [1][2]. Financial Support for Agriculture - The People's Bank of China has increased the re-lending quota for supporting agriculture and small enterprises by 300 billion yuan, bringing the total to 3 trillion yuan [2]. - Various rural commercial banks are innovating financial products to support rural revitalization, with Zhejiang Rural Commercial Bank providing half of the agricultural loans in the province [2]. - Tianjin Rural Commercial Bank has established a financial service plan for spring farming, ensuring timely credit support for key agricultural sectors [3]. Support for Small and Micro Enterprises - By the end of Q1 2025, the balance of inclusive loans for small and micro enterprises reached 35.3 trillion yuan, a year-on-year increase of 12.5% [5]. - Jiangsu Rural Commercial Bank aims to provide no less than 50 billion yuan in loans for rural construction throughout the year [3]. - Beijing Rural Commercial Bank has engaged in extensive outreach to support small and micro enterprises, with over 4000 credit approvals totaling more than 20 billion yuan [6]. Innovation and Digital Transformation - Rural commercial banks are focusing on digital transformation to enhance service efficiency and customer experience [7][8]. - The implementation of "silver-tax interaction" mechanisms is helping rural banks address issues like insufficient credit ratings for agricultural enterprises [7]. - Innovative products like "Science and Technology Loans" and "Intellectual Property Pledge Loans" are being introduced to meet the financing needs of technology-based small enterprises [8]. Future Directions - Experts suggest that rural commercial banks should optimize internal policies and processes to better support weak links in agricultural financing [4]. - There is a call for establishing a government-led agricultural credit guarantee system to improve the rural financial risk compensation environment [4]. - The need for enhanced policy support and a robust evaluation system for inclusive finance is emphasized to ensure sustainable growth in rural financial services [6][9].