河南农商银行：锚定建设农业强省 贡献农商坚实力量

Core Viewpoint - The strategic cooperation agreement between Henan Rural Commercial Bank and the Henan Provincial Department of Agriculture and Rural Affairs aims to inject strong financial momentum into the development of agriculture, rural areas, and farmers by providing 400 billion yuan in agricultural loans over the next three years, focusing on food security, rural prosperity industries, and new agricultural productivity [1][2][3]. Group 1: Financial Support for Food Security - Henan Rural Commercial Bank has created various financial products such as "High Standard Farmland Loan," "Planting Loan," and "Storage Loan" to provide comprehensive financial services for the agricultural supply chain, with a total of 58.7 billion yuan in loans for grain production and processing [2]. - The cooperation agreement emphasizes the importance of "storing grain in the ground and technology," offering a package of financial services for high-standard farmland construction and providing intellectual property pledge financing for seed industry enterprises [2]. Group 2: Support for Rural Prosperity Industries - The bank has developed a tailored action plan to support rural prosperity industries, focusing on local characteristics and specific needs, resulting in over 100 specialized financial products such as "Garlic Loan" and "Spicy Noodle Loan," with 44.133 billion yuan in loans issued to county-level prosperity industries [3]. - The bank serves approximately 208,600 agricultural industry chain clients, demonstrating its commitment to localized financial solutions [3]. Group 3: Inclusive Financial Services - Henan Rural Commercial Bank aims to enhance financial service accessibility through a "党建+网格+大数据" model, achieving a credit coverage rate of 73.41% for county farmers and a usage rate of 14.34% [4]. - The bank has issued 47.3 billion yuan in small loans to impoverished populations, reinforcing its commitment to poverty alleviation and rural revitalization [4]. Group 4: Empowering Agricultural Technology - The bank has established a dedicated credit quota for the technology sector, offering loans totaling 8.385 billion yuan to 942 agricultural technology enterprises, supporting long-term and low-cost financing [5]. - It is also focusing on supply chain financial products for agricultural machinery manufacturing, facilitating financial services for the entire industry chain [5]. Group 5: Integration of Financial Services in Rural Governance - The bank actively participates in grid governance by collaborating with community organizations, providing professional financial consulting, and promoting a trustworthy credit environment through credit village and credit household evaluations [6][7]. - Initiatives such as "Financial Knowledge Going to the Countryside" aim to educate the public on financial safety, enhancing community engagement and cultural life [7].