Zhong Guo Jin Rong Xin Xi Wang·2025-11-11 12:39Core Viewpoint - Agricultural Bank of Chengdu Branch is actively promoting rural revitalization through innovative financial products and services, addressing the specific needs of local agricultural industries and enhancing the financial ecosystem in rural areas [1][2][3]. Group 1: Customized Financial Solutions - The bank has identified the mismatch between traditional credit models and rural industry needs as a key barrier to development, leading to the creation of tailored financial products [1]. - A specific case involved the introduction of a specialized loan, "Li Zi Dai" (Plum Loan), which provided 2 million yuan to a local association to build rain shelters, significantly improving the quality and market price of their produce [2]. - To date, the bank has disbursed a total of 26 million yuan in "Li Zi Dai," supporting 21 farmers and covering 80% of the core production area in the village [2]. Group 2: Comprehensive Financial Ecosystem - The bank is constructing a financial ecosystem that covers the entire agricultural value chain, facilitating collaboration among various stakeholders [3]. - In the kiwi industry of Pujiang County, the bank launched "Mi Hou Tao Dai" (Kiwi Loan) to address funding challenges across the production and trade sectors, resulting in a significant increase in the scale and quality of production [3]. - By September 2025, the bank had provided 30 million yuan in loans to the kiwi industry, benefiting over 60 clients along the supply chain [3]. Group 3: Innovative Service Models - The bank's team focuses on deeply engaging with rural communities and identifying local needs, exemplified by the support provided to a traditional condiment company that lacked collateral for loans [4]. - The introduction of "Dou Ban Dai" (Douban Sauce Loan) enabled the company to purchase new equipment, leading to a 50% increase in annual output and expanded market reach [4]. Group 4: Community Engagement and Education - The bank is exploring a "bank-government-village" collaboration model to establish a rural credit system, conducting numerous financial literacy events to educate local residents [5]. - As of September 2025, the bank's county-level loan balance exceeded 160 billion yuan, with a 21.4% growth in agricultural loans, reflecting its commitment to rural revitalization [5]. - The bank aims to continue innovating its products and services to provide ongoing support for rural development in the Chengdu area [5].