云南普洱提速农村“三信”创建工作 促进乡村全面振兴

Core Viewpoint - The People's Bank of China (PBOC) in Pu'er is leading efforts to enhance the rural credit system, focusing on the creation of credit users, credit villages, and credit townships to address the challenges of obtaining loans for farmers and to support rural revitalization [1][3]. Group 1: Rural Credit System Development - As of the end of 2024, the balance of agricultural loans in Pu'er reached 35.998 billion, with a year-on-year growth of 10.16%, maintaining over 10% growth for two consecutive years [1]. - The balance of credit loans for farmers was 28.963 billion, accounting for 80.45% of the total agricultural loans, indicating a positive trend in farmers' access to credit [1]. - By the end of 2024, the number of recognized credit users reached 346,234, with credit villages and townships increasing by 158% and 445% respectively compared to the end of 2022 [3]. Group 2: Cultural and Institutional Support - Pu'er has a rich cultural heritage with 26 ethnic minorities, which has fostered a unique system of integrity that supports the credit culture [2]. - The PBOC has established 103 township credit evaluation groups and 1,049 village credit evaluation groups to strengthen the rural credit system [3]. - The integration of traditional cultural values into financial literacy programs has been emphasized to enhance the financial knowledge of ethnic minority communities [2]. Group 3: Financial Support for Border Areas - The PBOC has implemented a plan to enhance financial support for border villages, achieving a 99.6% coverage rate for farmer records in these areas by the end of 2024 [4]. - The proportion of credit loan users in border villages reached 96.81%, with the credit loan balance accounting for 87.25% of total agricultural loans, reflecting a significant increase from the previous year [4]. Group 4: Industry-Specific Initiatives - The PBOC is promoting the avocado industry in Menglian County, leveraging the "one county, one industry" strategy to enhance rural credit systems [5][6]. - A new profit-sharing mechanism has been established in the avocado industry, involving farmers, enterprises, and cooperatives, which has led to a significant increase in credit loans for avocado farmers [6]. - By the end of 2024, loans to farmer cooperatives amounted to 22 million, with credit loans to avocado farmers increasing by 140% compared to the end of 2023 [6].