推动数字化金融服务向乡村延伸 内蒙古兴安盟借金融科技之力让乡村金融服务更具效率

Core Viewpoint - The People's Bank of China in Xingan League is actively promoting financial technology to enhance financial services in rural areas, particularly supporting agriculture and livestock development, thereby contributing to rural revitalization [1][2]. Group 1: Financial Technology Implementation - The Xingan League's banks are building an online service matrix and improving offline service networks to increase accessibility for farmers, allowing them to enjoy efficient financial services without leaving their villages [2]. - The Industrial and Commercial Bank of China (ICBC) in Xingan League has promoted the "Xingnongtong" app, which integrates village management, agricultural product information, and financial services, with 22,945 new users and approximately 6,000 personal clients served by August 2025 [2]. - The Postal Savings Bank of China has established a fully online credit system, reducing approval times to under 10 minutes and increasing efficiency by over 90% [2]. Group 2: Credit Innovation and Support - The People's Bank of China in Xingan League is advancing the "Financial Technology Empowering Rural Revitalization Demonstration Project," guiding financial institutions to innovate credit products tailored to local agricultural and livestock industries using advanced technologies [3]. - Agricultural Bank of China has launched several online credit products, including "Grain Storage Loan" with a total of 60.55 million yuan and "Huinong e-loan" with 16.246 billion yuan, benefiting over 60,000 farmers [3]. - The Bank of China in Ulanhot has established a high-standard farmland construction supervision platform, providing over 30 million yuan in loans for key projects [4]. Group 3: Risk Management and Service Efficiency - The People's Bank of China in Xingan League is guiding financial institutions to optimize risk control systems and expand service scenarios through technology, enhancing service efficiency [4]. - The Postal Savings Bank has implemented remote video loan inspections, improving inspection efficiency by over 50%, and utilized satellite remote sensing for accurate pre-loan investigations, increasing accuracy by over 30% [4]. - Various banks are exploring new paths for integrating financial services with rural life, such as the "Weican Tong" system in schools benefiting over 10,000 students [4]. Group 4: Agricultural Support and Consumer Activation - By August 2025, the total online loan products for agriculture in Xingan League exceeded 20 billion yuan, serving over 100,000 farmers and new agricultural operators [5]. - The Inner Mongolia Bank collaborated with Meituan to launch the "Food Enjoyment Plan," activating rural consumption with 1,890 orders redeemed [5]. - Financial technology initiatives have made rural financial services in Xingan League more efficient and accessible, enhancing the overall service experience for farmers [5].