探索县域金融普法新路径

Core Viewpoint - The People's Bank of China, Huaihua Branch, is actively addressing the challenges in financial legal education in county areas by implementing a comprehensive plan aimed at enhancing financial law awareness and compliance among local financial institutions and enterprises [1][2][3]. Group 1: Financial Legal Education Initiatives - The Huaihua Branch has developed a "2025 Financial Legal Education Work Plan" and an annual legal responsibility checklist to systematically promote financial legal education in county areas [1][2]. - The branch has conducted a series of "Law Delivery to the Door" training sessions to improve compliance awareness among local financial institutions, covering topics such as credit management and personal information protection [3]. - A "one case, one strategy" re-education mechanism has been established to provide targeted training and support to financial institutions after compliance checks, resulting in a 20% increase in regulatory compliance accuracy [3]. Group 2: Support for Private Enterprises - The branch has leveraged the "Private Economy Promotion Law" to conduct outreach activities, helping 730 private enterprises understand financial policies and expand their financing channels [4]. - As of August 2025, the loan balance for private enterprises in Huaihua has increased by 9.8% year-on-year, outpacing the overall loan growth rate by 3.4 percentage points [4]. - The average interest rate for newly issued enterprise loans has decreased by 72 basis points year-on-year from January to August [4]. Group 3: Innovative Public Awareness Campaigns - The branch has creatively integrated local cultural elements, such as Miao and Dong ethnic music, into financial legal education, enhancing community engagement and awareness [5]. - Over 100 promotional events have been held, reaching approximately 25,000 people and increasing public awareness of deposit insurance by 15 percentage points [5]. - The branch has established a "Rural Anti-Money Laundering Education Base" to provide ongoing legal education to farmers and small business owners, distributing 20,000 promotional materials [6][7]. Group 4: Digital and Community Engagement - The branch has utilized online platforms for live broadcasts to educate the public on anti-money laundering and fraud prevention, attracting over 100,000 viewers [7]. - Financial institutions are encouraged to create "Legal Promotion Corners" in their branches to provide continuous legal education and resources to customers [7]. - The establishment of mobile "Central Bank Legal Service Stations" aims to deliver legal services and education directly to rural communities, promoting a culture of legal awareness [6][7].