清晨6点，宁夏吴忠的蔬菜基地还笼在薄雾里，来自贵州紫云的刘建国就捏着一张在老家办理的银行 卡，匆匆走向田埂边亮着灯的服务车："同志，快帮我看看，这卡被锁住用不了了！"不到半小时，锁卡 问题便被解决。6年前，他的同乡王正华面对同样被锁住的家乡银行卡，却得返回老家解锁，因"往返路 费比卡里的钱还多"，解锁前只能拜托同乡汇款给家里。 从曾经只得苦苦等待的无奈，到如今田间地头立等可解的从容，这一转变曾是万千紫云籍务工人员的共 同期盼。作为国家乡村振兴重点帮扶县，紫云每年外出务工人员超10万人。这些具体而微小的难题，恰 是金融服务乡村振兴必须疏通的"神经末梢"。中国人民银行安顺市分行持续强化政策引导，将保障外出 农民工金融权益、健全农村支付服务体系作为金融服务乡村振兴的重要切口，系统推动辖内金融机构优 化账户服务、提升支付便利、落实减费让利。一场以"支付为民"为内核的金融服务优化行动自此在山海 之间启动。 破局：始于账户的"唤醒" 安心：来自工资的"直达" 按时足额拿到工资，是外出务工人员的心头大事。中国人民银行安顺市分行着力推动辖内金融机构与用 工企业深化合作，持续做好农民工异地银行账户开立补换卡、银行账户功能升降级 ...

12月30日下午，省委书记林武，省委副书记、省长周乃翔在山东大厦会见了中国农业发展银行党委 书记、董事长湛东升一行。林武、湛东升分别介绍了山东省、中国农业发展银行发展情况，围绕金融服 务乡村振兴、建设更高水平的"齐鲁粮仓"、发展特色产业、推动项目建设、防范化解金融风险等交换了 意见，表示将在良好合作基础上，进一步加强政策对接和产业金融合作，创新金融产品和服务供给，共 同推进乡村振兴片区建设，推动城乡融合发展，促进农民稳定增收。省委常委、常务副省长张海波参 加。（记者 于新悦 李子路） ...

作为云州区最大的黄花生产加工企业，大同三利集团农业有限公司截至目前累计获得来自银行机构的 1.3亿元信贷支持，"基地+农户+企业"的一体化经营模式，共带动约6000家黄花种植户共同发展。保险 机构同步推出黄花种植保险、价格指数保险等产品，构建起全周期的风险保障网。2025年，以三利集团 为首的黄花产业，完成了从单一产品向多元化产品矩阵的转型，全产业链产值突破40亿元。 除了云州黄花，我们还捕捉到浑源恒山黄芪、广灵黄小米、阳高西红柿的澎湃活力，以"金融之手"描 绘"三黄一红"田园画卷：牵头制定系列专项政策，建立跨部门协作机制，精准对接产业需求；组织金融 机构业务骨干将办公室"搬"到基层一线，深入田间地头、生产车间，在农户炕头、企业车间问需解难， 一步一个脚印走完金融服务的"最后一公里"。 人说山西好风光、地肥水美五谷香……在晋北大同，大自然赋予其一幅幅色彩斑斓的美景。特别是2020 年那个生机勃发的春天里，习近平总书记在大同市云州区黄花基地考察调研时留下殷切嘱托："让黄花 成为乡亲们的'致富花'"，指明了金融服务大同特"色"产业发展的新路径。 "创新"与"风控"如鸟之两翼。我们一方面指导金融机构加强科技赋能，优 ...

送别了7月的岵山荔枝丰收，平安产险泉州中心支公司的志愿者们并未停歇。初冬12月，永春县连绵山 野间，漫山遍野的芦柑正值金黄，挂满枝头，迎来了它一年中最珍贵的采摘季。平安志愿者的"马甲 红"再次出现在果园里，他们在与果农的共同劳动与闲话家常中，探寻金融服务乡村振兴最真实、最迫 切的需求。 这正是"爱农宝"APP的核心功能之一——精准的自然灾害预警。对于正处果实膨大、转色关键期的芦柑 而言，突如其来的狂风、暴雨或冻害都可能导致落果、裂果甚至树体损毁，造成严重损失。过去，果农 们获取天气信息渠道分散，预警往往不够及时和具体。现在，通过平安"爱农宝"APP，能够将精细化的 气象预警直接推送至果农手机。预警信息不仅告知天气变化，更会结合芦柑的生长阶段，提供具体的防 灾指导。这一功能，相当于为每位果农配备了一位24小时在线的"私人气象顾问"，将传统的被动救灾转 变为主动防灾。而且平安"爱农宝"APP还能实时查看农作物的每日价格及地区差异，为果农销售决策提 供判断依据。 在芦柑采摘、休息间隙、分果棚里，倾听果农们关于种植、仓储、销售、贷款等环节的酸甜苦辣。蔡智 强表示："只有真正置身于他们的生产场景，感知他们的喜悦与焦虑， ...

Core Viewpoint - Agricultural Bank of China Liaoning Branch is actively supporting the modernization of fishing vessels in Liaoning Province, aligning with government policies to enhance marine fishing safety and promote sustainable development in the fishing industry [1][2]. Group 1: Financial Support and Services - The bank has launched the "Fishermen's Peace of Mind Loan" series to address the financing challenges faced by fishermen, offering quick approval, flexible limits, long terms, and favorable interest rates [2][3]. - In 2023, the bank has disbursed over 2.7 billion yuan in fishing loans to more than 3,000 fishing operators across the province, covering various aspects such as vessel upgrades and equipment modernization [2][3]. Group 2: Innovative Service Models - The bank has introduced five differentiated financial service models, including "Order Batch Loan" and "Build-Lease-Repurchase," to cater to the diverse financing needs of fishing enterprises and individual boat owners [3][4]. - A dedicated service plan for the "Fishermen's Peace of Mind Loan" has been established, providing a total credit line of 100 million yuan for local fishing vessel upgrades [3]. Group 3: Community Engagement and Outreach - The bank has initiated outreach programs, sending financial service teams to key fishing ports and communities to facilitate direct communication with fishermen and promote loan products [4][5]. - The bank has conducted 12 thematic promotional activities since 2025, engaging over 400 boat owners and fishermen, resulting in nearly 100 preliminary loan agreements [4]. Group 4: Collaborative Ecosystem - The bank has established a collaborative mechanism with government agencies, marine departments, and shipbuilding companies to create a financial service ecosystem that enhances service responsiveness and reduces financing burdens for fishermen [5][6]. - The collaborative efforts have led to the development of replicable practices recognized by local governments and fishing communities, fostering a supportive environment for industry upgrades [6].

Core Viewpoint - The recent proposal by the Central Committee emphasizes the acceleration of agricultural modernization and comprehensive rural revitalization, highlighting the critical role of financial support in achieving these goals [1] Financial Support for Rural Revitalization - Financial services for rural revitalization have been strengthened, but there is still a need to optimize existing resources and explore new financial demands, particularly for new industries and entities [2] - The financial support for agricultural technology innovation is crucial for enhancing agricultural productivity and quality, yet the proportion of agricultural technology loans remains low [2] - There are significant gaps in credit support for new agricultural entities, such as cooperatives and family farms, which require tailored financial products and services [2] Competition in Rural Financial Services - The competition in rural financial services is intensifying, with net interest margins declining, necessitating a shift from traditional competition based on interest rates to a more comprehensive service model [3] - Large banks are encouraged to play a leading role in developing integrated financial services for rural projects, while smaller banks should focus on specific niches [3] Product Innovation in Rural Finance - There is a need for innovation in rural financial products, particularly in areas like collateral financing and pension services, which currently lack scalability and sustainability [4][5] - The proportion of medium- and long-term loans in rural finance is low, limiting investment in fixed assets essential for agricultural growth [5] Enhancing Financial Service Capabilities - There is a mismatch between the understanding of rural revitalization policies among financial institutions and the actual needs of rural clients, indicating a need for better training and awareness [6] - The development of inclusive finance should transition from being policy-driven to market-driven, focusing on quality rather than just scale [6][7] Market Dynamics and Trends - The share of inclusive micro-loans from large commercial banks has increased significantly, while that of rural financial institutions has decreased, indicating a shift in market dynamics [7] - The emphasis should be on fostering a self-organizing mechanism within financial institutions to better serve rural revitalization and agricultural development [7]

Core Viewpoint - The People's Bank of China Sichuan Branch is actively implementing financial support for rural revitalization by transforming dormant rural assets into capital for development, focusing on agricultural facilities and livestock as collateral for loans [1][8]. Group 1: Financial Support Initiatives - As of the end of September, Sichuan has issued a total of 5.335 billion yuan in livestock collateral loans and agricultural facility loans, benefiting 13,392 agricultural entities [1]. - The Sichuan Branch has conducted extensive research to address challenges in asset rights confirmation, evaluation, and risk control related to agricultural facilities and livestock [2][4]. - A series of policy documents have been released, including the "2025 Sichuan Credit Policy Work Points," to promote the use of agricultural facilities and livestock as collateral [2][4]. Group 2: Mechanism and Coordination - A regular liaison mechanism for financial services in rural revitalization has been established, involving coordination among financial, fiscal, and industrial departments [3]. - The Sichuan Branch has collaborated with various departments to streamline policies related to the rights confirmation and collateralization of rural resources [4][5]. Group 3: Product Innovation and Implementation - Innovative financial service models have been developed, such as "live asset collateral + intelligent supervision," utilizing technologies like IoT and blockchain for real-time monitoring of livestock [8]. - As of September, 3,189 market entities have received 2.286 billion yuan in livestock collateral loans, while 10,203 entities have received 3.048 billion yuan in loans for agricultural facilities [8]. - A dual asset collateral approach has been introduced to meet the financing needs of agricultural entities, combining livestock and agricultural production facilities as collateral [9].

Core Viewpoint - The financial support in Jia Yu County is significantly enhancing the agricultural sector, particularly in vegetable cultivation, through innovative credit products and services tailored to the needs of farmers [3][4][12]. Financial Support and Credit Innovations - The Agricultural Bank of China provided a credit loan of 5 million yuan to Hubei Jinrun Agricultural Development Co., which has a planting area of 8,250 acres and is focused on green vegetable cultivation [3][4]. - As of September 20, the Agricultural Bank in Jia Yu County has granted credit of 16.79 million yuan to 59 vegetable growers and 7.3 million yuan to 28 livestock farmers, effectively addressing funding bottlenecks [4]. - Jia Yu County has established a multi-layered rural financial service system, with agricultural loans reaching 9.86 billion yuan, a year-on-year increase of 18.3% [4]. Innovative Financial Products - Jia Yu Rural Commercial Bank launched the "Jia Nong Loan" series, which calculates credit value based on planting area, allowing larger areas to receive higher credit limits [6][10]. - The bank has issued loans totaling 89.13 million yuan under the "Jia Nong Loan" program, benefiting 260 households [6]. - The bank's innovative approach has led to a 173.67% year-on-year increase in the balance of re-loans for supporting agriculture and small businesses, reaching 466 million yuan [6]. Infrastructure and Service Expansion - The establishment of 75 village service points has improved access to financial services, allowing villagers to conduct transactions conveniently [7]. - The bank's efforts have resulted in a significant increase in the number of loan clients, surpassing 18,300 by mid-year [13]. Impact on Agricultural Development - The financial support has led to an expansion of vegetable planting areas to 460,000 acres, generating an annual output value exceeding 6 billion yuan, contributing to an increase in per capita income for farmers by over 10,000 yuan [12][13]. - The Agricultural Development Bank has invested 90 million yuan in projects aimed at upgrading agricultural infrastructure, enhancing irrigation and access to fields [12]. Conclusion - The integration of financial services with the agricultural sector in Jia Yu County is fostering a robust environment for vegetable production, demonstrating the effectiveness of targeted financial strategies in rural development [12][13].

Core Insights - The article highlights the significant role of Jinxing County in China's garlic production, contributing to one-fourth of the national output and exporting to over 170 countries and regions [1] - Shandong Investment Co., Ltd. has injected substantial financial support into the local garlic industry, with a total of 5 million yuan in factoring funds and 2.214 million yuan in supply chain funds, aiming to enhance rural revitalization and promote the garlic industry [1][3] Factoring Empowerment - The garlic industry faces challenges such as long accounts receivable cycles and financial pressure during peak purchasing seasons, which hinder expansion [4] - Shandong Investment's subsidiary, Shandong Lixin Commercial Factoring Co., Ltd., has implemented a factoring solution, providing 5 million yuan to alleviate these financial constraints and support the garlic trade chain [4][6] - The funding is strictly monitored to ensure it is used for garlic procurement, temperature-controlled storage, and equipment upgrades, facilitating a shift from fragmented operations to standardized, large-scale production [4][6] Supply Chain Integration - Shandong Investment's subsidiary, Shandong Lixin Huijin Supply Chain Co., Ltd., has established a comprehensive garlic supply chain system that connects production and sales, enhancing distribution efficiency [9] - The supply chain operates on a cash-on-delivery model, leveraging partnerships with state-owned enterprises to ensure effective market access [9][11] - Since the launch of the supply chain business, 2.214 million yuan has been invested, resulting in nearly 10,000 tons of garlic trade, with plans for weekly investments of approximately 1 million yuan to further stimulate the industry [11] Dual-Driven Strategy - The collaboration between factoring and supply chain services creates an integrated model that addresses both financial and market access needs, supporting the overall upgrade of the garlic industry [14] - This financial intervention is expected to stabilize prices for upstream farmers, expand operations for midstream trading companies, and ensure better quality products for downstream markets, fostering a positive cycle throughout the supply chain [14] - The project is anticipated to create over 2,000 jobs annually, contributing to the high-quality economic development of Jinxing County [14]

Group 1 - The core viewpoint of the articles highlights the significant role of Everbright Bank in supporting the agricultural sector in Yunnan, particularly through tailored financial services that enhance the production and marketing of local specialty products [1][2][3] - Everbright Bank's Kunming branch has approved a total credit of 1.4 billion yuan for Yunnan Agricultural Reclamation Group, benefiting over 30 subsidiaries and cooperatives [1] - The bank's financial support has been crucial across various industries, including 830 million yuan for the grain and oil sector, 316 million yuan for the sugar industry, and 30 million yuan for the tea industry, showcasing a comprehensive approach to agricultural financing [2] Group 2 - The bank's initiatives have led to modernization in production processes, such as the upgrade of rubber processing lines and the introduction of smart equipment in sugar factories, which enhances product quality and market reach [2] - Everbright Bank aims to continue its efforts in rural revitalization by providing financial resources that facilitate the growth of local products, ensuring that more Yunnan specialties reach national markets [3] - The bank's commitment to supporting niche products is evident, with loans allocated for apple orchards and walnut groves, which have improved agricultural practices and increased farmers' incomes [2][3]