为特色农业产业高质量发展 探索“凉山路径” 新时代金融服务乡村振兴的凉山实践

Core Viewpoint - Liangshan Rural Commercial Bank integrates party leadership into its financial services, creating a closed-loop ecosystem that enhances the quality of agricultural development in ethnic regions, particularly in Liangshan [1][2]. Background - Sichuan Province is advancing its modernization strategy, transitioning from an agricultural province to a strong agricultural province, with Liangshan as a key area facing funding challenges for industrial expansion [2]. - Liangshan Rural Commercial Bank focuses on supporting agricultural development as a political responsibility, embedding party leadership into its governance and service mechanisms to optimize financial support for local agricultural industries [2]. Innovative Practices - The bank has established a three-tier learning system to enhance party leadership and service precision, resulting in the creation of 12 institutional outcomes, including guidelines for agricultural credit services [3]. - It has formed temporary party branches and signed agreements with local village party branches to expand its service reach, optimizing the setup of 108 party branches in rural areas [3]. - Since 2022, the bank has conducted extensive outreach to collect data from 880,000 households, achieving a coverage rate of 76% in the region [3]. - The bank has launched various financial products, such as "Pepper Farmer Loans," contributing to a significant increase in the annual output value of the local pepper industry [3]. Talent Development - The bank has organized 62 training sessions for over 600 client managers to enhance their agricultural knowledge, leading to the introduction of innovative loan products [4]. - Collaborations with local universities have resulted in the establishment of training programs aimed at cultivating professionals who understand both finance and agriculture [4]. - The bank has set up 377 rural financial service stations to provide combined training and financial services, promoting skill development among farmers [4]. Financial Support for Agriculture - The bank collaborates with local governments to create risk funds and innovative loan products, significantly aiding rural housing improvements and agricultural financing [5]. - It has developed a financial service map for Liangshan's agricultural sector, tailoring loan products to meet the specific needs of local farmers [5]. - During peak agricultural seasons, the bank has mobilized its resources to provide on-site financial services, facilitating numerous transactions and supporting local farmers [5]. Operational Efficiency - The bank has implemented a monitoring mechanism to ensure effective financial service delivery, resulting in an 18% year-on-year increase in agricultural loan disbursements [6][7]. - It has introduced innovative financing models to address specific challenges faced by local enterprises, demonstrating a commitment to practical solutions [7]. Achievements - Liangshan Rural Commercial Bank has maintained the largest market share in deposits and loans for five consecutive years, with agricultural loan balances reaching 52 billion yuan [8]. - The bank's support has significantly enhanced the brand value of local agricultural products, leading to recognition and market penetration in major cities [8]. - A comprehensive financial service network has been established, ensuring that all administrative villages are covered, with a daily transaction volume of 1.43 million [8]. Insights - The integration of party leadership into financial services is crucial for effectively directing resources to areas of greatest need in agriculture [9]. - The active involvement of party members in financial services has proven to be a driving force for community engagement and service delivery [9]. - The innovative combination of party activities and financial services has led to improved efficiency and responsiveness in loan approvals and service delivery [9].