Jin Rong Shi Bao·2025-09-23 05:41Core Viewpoint - The article emphasizes the critical role of financial services in supporting rural revitalization and agricultural modernization in China, highlighting the initiatives taken by China Construction Bank to enhance its rural financial service capabilities and support national food security [1][2]. Financial Services for National Food Security - China Construction Bank has prioritized food security as a key focus for its rural revitalization financial services in 2024, implementing the "善建粮安" financial service plan to support various agricultural financing needs [2][3]. - The bank has introduced a series of financial products such as "种业贷" (Seed Industry Loan), "粮食收储贷" (Grain Storage Loan), and "高标准农田贷款" (High-Standard Farmland Loan) to enhance support for the agricultural sector [2][3]. Support for County-Level Prosperity Industries - The bank has developed tailored financial products to support the honey pomelo industry in Fujian, which is a significant agricultural sector in the region, facilitating a comprehensive financial service approach [4][5]. - As of the second quarter, the bank's "裕农产业" platform has engaged with 66 core enterprises and over 500 chain enterprises, serving more than 70,000 farmers [5]. Agricultural Ecosystem Service Model - China Construction Bank has adopted a "圈链群" (Circle-Chain-Group) service model to enhance agricultural service levels, focusing on various agricultural clusters and supply chains [6][7]. - The bank has established digital platforms to connect agricultural production and supply chain participants, exemplified by its collaboration with Dunhuang Seed Industry in Gansu [7]. Financial Performance Metrics - As of the second quarter, the bank's agricultural loan balance reached 36,153.25 billion yuan, with an increase of 2,722.67 billion yuan year-to-date, reflecting an 8.14% growth [1]. - The bank's rural household operating loan balance was 5,543.87 billion yuan, with a year-to-date increase of 506.39 billion yuan, marking a growth rate of 10.05% [5].