推动特色金融产品和融资模式应民需 中国人民银行海东市分行五措并举助力金融服务乡村振兴行稳致远

Core Viewpoint - The People's Bank of China, Haidong Branch, is enhancing rural financial services to support key areas of rural revitalization, including food security and agricultural development, with a focus on improving the accessibility and convenience of financial services [1][2][3][4][5][6][7] Group 1: Financial Support for Rural Revitalization - As of November 2025, the agricultural loan balance in Haidong City reached 29.329 billion yuan, an increase of 6.7% from the beginning of the year [1] - A total of 1.55 billion yuan has been allocated through re-loans for supporting agriculture and small enterprises, with a balance of 1.994 billion yuan, achieving a usage rate of 91.2% [2] - The average interest rate for agricultural loans has been reduced to below 5.3%, representing a decrease of approximately 30 basis points compared to the same period last year [2] Group 2: Targeted Financial Supply Optimization - The loan balance for grain production and other key agricultural products reached 6.687 billion yuan, a year-on-year increase of 17.8%, while loans for seed industry revitalization reached 174 million yuan, up 35.67% year-on-year [3] - Financial institutions have issued 5,911 loans totaling 1.795 billion yuan to meet the financial needs of agricultural operators [3] - A total of 9.3 million yuan in credit support has been provided to enterprises exporting highland cool vegetables to Hong Kong and Macau [3] Group 3: Enhancing Financial Service Quality - The bank is actively engaging with financial institutions and enterprises to improve the loan approval rate for individual businesses and small enterprises [4] - Financial support policies are being evaluated annually in three key counties to ensure credit growth exceeds the city-wide average [4] - As of November 2025, the balance of microloans for the impoverished population reached 343 million yuan, benefiting 7,281 households [4] Group 4: Building a New Rural Financial Ecosystem - The rural credit system has been enhanced, with 5 credit counties, 85 credit townships, and 1,334 credit villages established, benefiting 236,000 households [5] - Financial institutions have utilized a platform to provide credit information reports for 803 cases, granting 314 million yuan in credit to 141 small and micro enterprises [5] Group 5: Improvement of Basic Financial Services - The number of marketable agricultural financial service points has reached 1,024, contributing to the standardization and normalization of financial services [6] - A total of 173 anti-fraud activities and 7 counterfeit currency training sessions have been conducted to enhance risk awareness among rural residents [7] - The total sales of national bonds in Haidong reached 638 transactions, amounting to 13 million yuan [7]