廿载改革创新路， 筑梦山海振兴图——福建农信联社成立20周年发展纪实

Core Viewpoint - Fujian Rural Credit has transformed from a small and weak entity to a strong financial institution, playing a crucial role in rural finance, inclusive finance, and green finance over the past 20 years [1][2]. Group 1: Historical Development - Fujian Rural Credit's history dates back to 1929 with the establishment of the first red credit cooperative in western Fujian, evolving through various milestones to become a key player in rural financial services [1][3]. - The total assets of the Fujian Rural Credit system have increased over 26 times, with deposits growing over 19 times and loans over 17 times in the past two decades, serving over 30 million customers [2]. Group 2: Commitment to Rural Development - Fujian Rural Credit has maintained a focus on supporting agriculture and small enterprises, embodying the spirit of "backpack banking" by sending financial assistants to rural areas to meet local financial needs [3][4]. - The organization has established a strategic partnership with over 60 agricultural and enterprise units to enhance rural development through a model combining party building and financial assistance [4]. Group 3: Reform and Innovation - Continuous reforms have been implemented to improve management systems, service quality, and risk control, enabling Fujian Rural Credit to adapt to the evolving financial landscape [6][8]. - The introduction of digital platforms and innovative financial products, such as "Fugusheng Digital Loan," has facilitated access to credit for local industries, particularly in the edible fungus sector [6][7]. Group 4: Green Finance Initiatives - Fujian Rural Credit has developed green financial products to support sustainable agricultural practices, exemplified by the establishment of the "Fugun e-Lin" platform for forestry financial services [12][13]. - The organization has integrated data resources to create personalized carbon credit reports, aiding in the valuation and financing of forest resources [12]. Group 5: Financial Network and Accessibility - The network of Fujian Rural Credit has expanded to 1,902 outlets, covering over one-third of the province's banking institutions, ensuring comprehensive financial service access in rural areas [15]. - As of June 2025, the balance of agricultural loans reached approximately 4.75 trillion yuan, with a market share exceeding 20%, demonstrating the institution's significant role in rural financing [15].