Core Viewpoint - The financial sector plays a crucial role in supporting the "Three Rural Issues" (agriculture, rural areas, and farmers) during the implementation of the rural revitalization strategy, as highlighted by the recent joint release of the "Implementation Plan for High-Quality Development of Inclusive Finance in the Banking and Insurance Industries" by the National Financial Supervision Administration and the People's Bank of China [1] Financial Support for Food Security - Ensuring stable and safe supply of food and important agricultural products is a primary task for rural revitalization, with financial support being a key focus area [2] - Financial institutions are actively enhancing credit supply for food production, with Agricultural Bank of China’s Shandong branch reporting a loan balance of 26.03 billion yuan in key food areas, an increase of 9.29 billion yuan since the beginning of the year [2] - Jiangsu Financial Regulatory Bureau reported that as of the end of May, the province's inclusive agricultural loans reached 1.26 trillion yuan, with food-related loans at 454.3 billion yuan [3] Policy-Driven Financial Support - Policy-based financial institutions are urged to innovate credit products and increase loan disbursement to support high-standard farmland construction and soil quality improvement [4] - Agricultural Development Bank has allocated a total of 104.69 billion yuan for farmland-related loans by March 2025 to enhance food production capacity [4] Rural Credit System Development - The rural credit system needs improvement to address challenges faced by agricultural producers, such as lack of collateral and credit data [5] - Financial institutions are encouraged to establish resource-sharing databases and promote credit village initiatives to enhance loan accessibility for farmers [5][6] - The creation of "star credit villages" by local banks aims to link credit ratings to loan interest rates, incentivizing better credit behavior among farmers [6] Leveraging Financial Technology - Financial technology is transforming the way banks serve the agricultural sector, with mobile banking and online financing products improving service accessibility [8] - The use of big data and cloud computing allows for automated processing of loan applications, enhancing efficiency in serving remote areas [8][9] - Financial institutions are encouraged to deepen digital financial services and develop targeted digital credit products to meet the specific needs of rural markets [9]
加强“三农”领域信贷供给
Jing Ji Ri Bao·2025-07-20 22:15