构建长效金融支持体系 夯实乡村振兴帮扶根基

Core Viewpoint - The central economic work conference emphasizes the need to consolidate and expand the achievements of poverty alleviation, integrating regular assistance into the rural revitalization strategy to prevent large-scale poverty recurrence [1] Group 1: Financial Support System - Banks are urged to establish a long-term and precise financial support system to maintain the bottom line against large-scale poverty recurrence, injecting sustainable momentum into rural revitalization [1] - The core of regular assistance lies in accurately addressing needs, requiring banks to strengthen party leadership and establish a regular connection mechanism with grassroots organizations to assess the production and financing needs of impoverished households [1] - Leveraging digital transformation, banks should create online lending channels and simplify approval processes, allowing farmers to access convenient financial services without leaving their homes [1] Group 2: Enhancing "Blood Production" Capacity - Preventing large-scale poverty recurrence hinges on enhancing the "blood production" capacity of impoverished areas, with banks focusing on key groups and optimizing small loans for impoverished populations [2] - Financial support should be aligned with rural industrial development, increasing credit support for family farms, cooperatives, and leading agricultural enterprises, embedding financial services throughout the industrial development chain [2] - Banks should deepen collaboration with local governments and guarantee institutions to share credit risks and expand financial support coverage [2] Group 3: Risk Prevention and Monitoring - Long-term assistance requires a solid risk prevention framework, with banks establishing dynamic monitoring mechanisms to track loan usage and income changes using big data technology [3] - A differentiated assistance strategy should be developed based on the characteristics of different regions and groups to avoid a one-size-fits-all approach [3] - Strengthening data sharing with agricultural, rural, and emergency departments is essential to integrate policy-based anti-poverty insurance with credit services, creating a multi-layered risk protection network [3]