锚定农业农村现代化 北京农商银行 金融服务乡村振兴纪实

Core Viewpoint - The 20th Central Committee's Fourth Plenary Session emphasizes the strategic deployment for accelerating agricultural and rural modernization, highlighting its significance for China's overall modernization and economic development [1] Group 1: Agricultural Modernization and Financial Support - The "14th Five-Year Plan" has solidified the foundation for China's economic development, ensuring food security for over 1.4 billion people and improving farmers' living standards [1] - Beijing Rural Commercial Bank has invested over 680 billion yuan in rural revitalization loans, consistently achieving "excellent" ratings in financial service assessments for rural revitalization over the past five years [1] Group 2: Innovative Financial Services - The bank has introduced the "Rural Revitalization Financial Assistant" model, deploying 132 financial assistants across various districts to provide tailored financial services directly to rural areas [2] - The "Nongqing Station" initiative serves as a comprehensive rural financial service center, offering a range of services beyond basic banking, with 21 stations established by the end of 2025 [2] Group 3: Channel Development and Emergency Response - The bank is expanding its rural financial convenience stores, aiming for over 1,400 locations by the end of 2025 to meet diverse financial needs in rural areas [3] - During the 2023 flood disaster, the bank quickly implemented a special financial service plan, providing nearly 100 million yuan in support to over 60 affected entities [3] Group 4: Community Support and Economic Development - The bank collaborates with local hospitals to provide medical services in rural areas and assists in marketing agricultural products to enhance farmers' income [4] - It has launched various innovative financing products tailored to the agricultural sector, including the "Phoenix Flying" brand, which encompasses 29 specialized financing products [5][6] Group 5: Digital Transformation and Technological Empowerment - The bank is leveraging digital technology to reshape financial services for agriculture, with multiple projects included in a national financial technology initiative [7][8] - It has developed a credit rating system integrating big data and risk control models, successfully rating over 12,819 rural households by the end of 2025 [8] Group 6: Future Outlook - The bank aims to continue enhancing its product service system and deepening the application of financial technology to provide convenient and high-quality financial services to more agricultural stakeholders [9]