推动闽宁协作成果不断深化 永宁金融监管支局多措并举促进金融与乡镇产业深度融合

Core Insights - The collaboration between Fujian Province and Ningxia Hui Autonomous Region, known as the Min-Ning cooperation, has transformed the local economy from "dry sand beach" to "golden sand beach" over nearly three decades, emphasizing the importance of industrial revitalization and financial support as key drivers of this success [1] Group 1: Financial Support for Entrepreneurship - Financial institutions are tailoring credit products to meet the entrepreneurial needs of immigrants in Min-Ning Town, addressing challenges such as lack of collateral and startup capital [2] - The "Women Entrepreneurship Loan" product provided by Yongning Rural Commercial Bank enabled an immigrant, Yuan Haiqin, to secure 50,000 yuan to open a breakfast shop, exemplifying successful financial support for local entrepreneurs [2] - Specialized financial products like "Ruyi Ning Ke Loan" and "Ning Shang e-loan" have been introduced to support technology-based SMEs and startups in the Min-Ning Industrial Park, fostering a positive cycle of financial backing and entrepreneurial growth [2] Group 2: Industrial Upgrading and Financial Integration - The Yongning Financial Regulatory Bureau is guiding financial institutions to develop a comprehensive financial service system around key industries such as wine and ecological farming, promoting industrial upgrades [3] - Agricultural Bank of Yongning County provided a loan of 7 million yuan to a winery facing development bottlenecks, facilitating the creation of a comprehensive industrial park that integrates winemaking, tourism, and leisure [3] - Financial support has also enabled local businesses like Hengsheng Xixia King Winery to expand production capacity, creating 500 jobs and increasing household incomes for 150 families [3] Group 3: Enhancing Financial Accessibility - The Yongning Financial Regulatory Bureau aims to improve financial service accessibility by optimizing the layout of banking and insurance institutions in Min-Ning Town, creating a service system that includes physical branches, self-service devices, and inclusive financial service points [4] - Initiatives like "One Household, One Visit" by Xinyi Bank Min-Ning Micro Branch are enhancing financial literacy among villagers, aligning financial education with local industrial development [4] - A coordinated financing mechanism has been established to address the financing needs of enterprises, exemplified by the rapid approval of a 6 million yuan loan to Ningxia Xinjinhui Industrial Co., which faced funding gaps for its digital factory project [4]