农业银行衢州分行：创新金融服务模式 绘就乡村振兴新图景

Core Viewpoint - The article emphasizes the importance of financial support in achieving agricultural modernization and rural revitalization in China, highlighting the innovative financial services provided by Agricultural Bank of China (ABC) in Quzhou to empower rural industries and improve livelihoods [1]. Group 1: Empowering Leading Enterprises - Agricultural leading enterprises are crucial for rural industrial revitalization, and ABC Quzhou has introduced innovative financial products like living asset collateral and facility collateral to address the financing challenges faced by agricultural enterprises [2]. - The case of Zhejiang Helu Dairy Farm illustrates how the use of smart ear tags for cattle has enabled the farm to secure a loan of 4 million yuan, enhancing its operational efficiency and expected sales growth [2]. - ABC Quzhou has provided credit support exceeding 1.37 billion yuan to over 80 leading agricultural enterprises this year, enhancing the overall competitiveness of related industries [2]. Group 2: Building Credit Villages - ABC Quzhou is addressing the financing difficulties faced by farmers by establishing a comprehensive service channel that includes credit villages, which has led to significant improvements in local economies [3]. - The transformation of Shangjiang Village, which became a pilot credit village, showcases the positive impact of financial support on local agricultural practices and economic growth, with collective income doubling [3][4]. - The bank's grid-based service model has facilitated the issuance of over 200 million yuan in loans, benefiting more than 370 households in rural areas [4]. Group 3: Strengthening Agricultural Associations - Agricultural associations play a vital role in connecting small farmers with larger markets, and ABC Quzhou has adopted a model that integrates associations with farmers to provide targeted financial services [6]. - The case of the ecological Huju planting base demonstrates how timely financial support from ABC Quzhou helped alleviate short-term funding pressures, enabling efficient harvest and production processes [6][7]. - The collaboration between associations and banks has reduced financial service barriers and costs, enhancing the resilience and competitiveness of small farmers in the market [7].