为深入贯彻落实党的二十大和二十届历次全会精神，落实《中共中央 国务院关于统筹建立常态 化防止返贫致贫机制促进乡村全面振兴的意见》和《中共中央 国务院关于锚定农业农村现代化 扎实推进乡村全面振兴的意见》部署要求，深入学习运用"千万工程"经验，加快构建过渡期后常 态化金融帮扶机制，持续提升金融支持的力度、精度和实效，扎实推进乡村全面振兴，推动城乡 融合发展。近日，中国人民银行、金融监管总局、中国证监会、农业农村部联合发布《关于统筹 建立常态化金融支持机制 助力防止返贫致贫和乡村全面振兴的意见》（以下简称《意见》）。 《意见》要求，要强化金融多业态协同，发挥债券市场融资功能，鼓励金融机构尤其是欠发达地区地方法 人金融机构发行小微、 "三农"等专项金融债券。构建资本市场综合支持体系，继续实施企业上市"绿色通 道"政策。创新发展保险产品和服务。强化政策保障和组织实施，充分发挥货币、信贷政策的激励作用， 引导金融机构持续加大对乡村振兴领域尤其是防止返贫致贫对象和欠发达地区的信贷资源投入。建立健全 常态化的金融帮扶政策效果统计与动态监测机制，定期跟踪分析政策落实成效。 下一步，中国人民银行将加强与金融监管总局、中国证监会、 ...

Core Viewpoint - The People's Bank of China, along with financial regulatory bodies, has issued guidelines to establish a normalized financial support mechanism aimed at preventing poverty and promoting rural revitalization, emphasizing the need for targeted financial assistance and resource allocation to underdeveloped areas [1][3][17]. Group 1: Financial Support Mechanism - The guidelines propose a long-term financial support mechanism for key populations, optimizing microcredit policies for impoverished individuals and ensuring continuous support for those at risk of falling back into poverty [1][3][5]. - Financial institutions are encouraged to develop loans for specialized industries and increase the upper limit for entrepreneurial guarantee loans in suitable regions [1][2][4]. Group 2: Investment in Key Areas - The guidelines stress the importance of enhancing financial resources in critical sectors, particularly in agricultural production and rural infrastructure, to improve overall productivity and quality [2][8][11]. - There is a focus on expanding financial supply for county-level industries and supporting the integration of agriculture, culture, and tourism [2][10][12]. Group 3: Financial Service Capacity Building - The guidelines call for the establishment of a robust financial organization system, with state-owned banks and rural financial institutions playing a pivotal role in supporting rural revitalization [12][13]. - Financial institutions are urged to innovate and diversify their product offerings to meet the specific needs of agricultural enterprises and rural communities [12][14]. Group 4: Multi-Industry Financial Collaboration - The guidelines encourage the issuance of special financial bonds by local financial institutions to raise stable, low-cost funds for rural development [15][16]. - There is an emphasis on creating a comprehensive capital market support system to facilitate financing for rural enterprises and agricultural projects [15][16]. Group 5: Policy Implementation and Monitoring - The guidelines highlight the need for effective monitoring and evaluation of financial support policies, ensuring that resources are allocated efficiently and effectively to prevent poverty [17][18]. - Financial institutions are encouraged to share successful practices and experiences in rural financial services to promote a positive social environment for ongoing support initiatives [17][18].

意见全文： 中国人民银行 金融监管总局 中国证监会 农业农村部 为深入贯彻落实党的二十大和二十届历次全会精神，落实《中共中央 国务院关于统筹建立常态化防止 返贫致贫机制促进乡村全面振兴的意见》和《中共中央 国务院关于锚定农业农村现代化扎实推进乡村 全面振兴的意见》部署要求，深入学习运用"千万工程"经验，加快构建过渡期后常态化金融帮扶机制， 持续提升金融支持的力度、精度和实效，扎实推进乡村全面振兴，推动城乡融合发展。近日，中国人民 银行、金融监管总局、中国证监会、农业农村部联合发布《关于统筹建立常态化金融支持机制 助力防 止返贫致贫和乡村全面振兴的意见》（以下简称《意见》）。 《意见》提出，要健全重点人群开发式金融帮扶长效机制，调整优化脱贫人口小额信贷,完善农户小额 信用贷款政策，常态化支持防止返贫致贫对象发展。发挥金融助力产业帮扶带动作用，鼓励金融机构开 发特色优势产业贷款，有条件的地区可提高创业担保贷款额度上限。建立分层分类的欠发达地区金融支 持机制，坚持新增金融资金优先满足、新增金融服务优先布设乡村振兴重点帮扶县。加大对民族地区、 革命老区、边疆地区等区域的金融资源倾斜力度。 《意见》强调，要强化重点领域 ...

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has issued guidelines to establish a normalized financial support mechanism aimed at preventing poverty and promoting rural revitalization, in line with the directives from the 20th National Congress of the Communist Party of China [1][2]. Group 1: Financial Support Mechanism - The guidelines propose the establishment of a long-term financial support mechanism for key populations, optimizing microcredit for impoverished individuals and enhancing credit policies for farmers [1][2]. - Financial institutions are encouraged to develop loans for specialized industries and increase the upper limit for entrepreneurial guarantee loans in eligible regions [1][2]. - A tiered financial support mechanism for underdeveloped areas will be established, prioritizing new financial resources for key rural revitalization counties [1][2]. Group 2: Agricultural and Rural Development - The guidelines emphasize the need for financial resources to be directed towards key areas, including grain and oil production, to enhance agricultural production capacity and quality [2]. - Supply chain financial services, such as accounts receivable financing, will be developed to meet the financial needs of the entire agricultural industry chain [2]. - There will be increased investment in rural infrastructure and support for the integration of agriculture, culture, and tourism [2]. Group 3: Financial Services and Innovation - The guidelines call for strengthening the financial service capacity and improving the financial organizational system [2]. - Financial institutions, particularly local ones in underdeveloped areas, are encouraged to issue special financial bonds for small and micro enterprises and agriculture [2]. - The guidelines advocate for the innovation of insurance products and services, as well as the establishment of a monitoring mechanism for the effectiveness of financial support policies [2][3]. Group 4: Collaboration and Implementation - The People's Bank of China will enhance collaboration with regulatory bodies to summarize effective practices in financial support and rural revitalization [3]. - There will be a focus on statistical monitoring and evaluation of the financial services provided for rural revitalization [3]. - The aim is to innovate financing mechanisms to prevent large-scale poverty and promote comprehensive rural revitalization [3].

为深入贯彻落实党的二十大和二十届历次全会精神，落实《中共中央 国务院关于统筹建立 常态化防止返贫致贫机制促进乡村全面振兴的意见》和《中共中央 国务院关于锚定农业农 村现代化扎实推进乡村全面振兴的意见》部署要求，深入学习运用"千万工程"经验，加快 构建过渡期后常态化金融帮扶机制，持续提升金融支持的力度、精度和实效，扎实推进乡 村全面振兴，推动城乡融合发展。近日，中国人民银行、金融监管总局、中国证监会、农 业农村部联合发布《关于统筹建立常态化金融支持机制 助力防止返贫致贫和乡村全面振兴 的意见》（以下简称《意见》）。 为全面贯彻党的二十大和二十届历次全会精神，认真落实中央经济工作会议、中央农村工作 会议部署，按照《中共中央 国务院关于统筹建立常态化防止返贫致贫机制促进乡村全面振兴 的意见》和《中共中央 国务院关于锚定农业农村现代化扎实推进乡村全面振兴的意见》要 求，深入学习运用"千万工程"经验，聚焦防止返贫致贫对象和欠发达地区内生发展能力培 育，加快构建过渡期后常态化金融帮扶机制，锚定农业农村现代化，持续提升金融支持的力 度、精度和实效，助力守牢不发生规模性返贫致贫底线、扎实推进乡村全面振兴，推动城乡 融合发展， ...

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has issued guidelines to establish a normalized financial support mechanism aimed at preventing poverty and promoting rural revitalization, in line with the directives from the 20th National Congress of the Communist Party of China [1][17]. Group 1: Financial Support Mechanism - The guidelines emphasize the need to develop a long-term financial assistance mechanism targeting key populations, optimizing microcredit for impoverished individuals, and ensuring continuous support for those at risk of falling back into poverty [2][18]. - Financial institutions are encouraged to create loans for specialized industries and increase the upper limit for entrepreneurial guarantee loans in eligible regions [2][18]. - A tiered financial support mechanism for underdeveloped areas will be established, prioritizing new financial resources for key rural revitalization counties [2][18]. Group 2: Investment in Key Areas - The guidelines stress the importance of enhancing financial resources in critical sectors, particularly in grain and oil production, to improve agricultural productivity and quality [3][19]. - Development of supply chain financial services, such as accounts receivable financing, will be promoted to meet the financial needs of the entire agricultural industry chain [3][19]. - Increased long-term funding for rural infrastructure projects is highlighted, supporting the integration of agriculture, culture, and tourism [3][19]. Group 3: Financial Service Capacity Building - The guidelines call for strengthening the financial organizational system, with state-owned banks and rural financial institutions playing a crucial role in supporting rural revitalization [11][28]. - Financial institutions are urged to diversify their product offerings and develop tailored financial services to meet the needs of various agricultural stakeholders [11][29]. - The promotion of digital transformation in financial services is emphasized, leveraging technologies like big data and artificial intelligence to enhance efficiency [12][30]. Group 4: Multi-Industry Financial Collaboration - The guidelines encourage the issuance of special financial bonds by local financial institutions to raise stable, low-cost funds for rural revitalization [14][32]. - A comprehensive support system for capital markets will be constructed, facilitating the listing of enterprises in rural areas and providing risk management tools for agricultural products [14][32]. - The development of innovative insurance products to safeguard agricultural projects and enhance service quality is also a focus [15][32]. Group 5: Policy Coordination and Implementation - The guidelines advocate for coordinated policy efforts to ensure sustained financial support for poverty prevention and rural revitalization, with a focus on maintaining low non-performing loan rates in targeted areas [20][33]. - Establishing a dynamic monitoring mechanism to assess the effectiveness of financial assistance policies is crucial for ongoing evaluation and improvement [20][33]. - The promotion of successful case studies and experiences in financial support for rural revitalization is encouraged to foster a positive social environment [20][33].

常态化帮扶，关键在精准。2026年是开展常态化帮扶的第一年。中央一号文件明确提出提高监测帮扶精 准性时效性，就是要把精准方略贯穿监测帮扶全过程。既要坚持精准识别，把需要帮扶的及时纳入帮 扶，确保早发现、早干预、早帮扶；也要坚持精准帮扶，根据防止返贫致贫对象的实际困难程度和类型 条件，采取差异化帮扶措施。比如，对有劳动能力的，加大开发式帮扶力度，强化产业、就业、教育等 方面的帮扶，帮助他们更多依靠自己的双手勤劳致富；对没有劳动能力的，通过综合性社会保障措施兜 底，确保基本生活无忧。 在帮扶区域上也要注重分层分类。对欠发达地区，着重帮助其改善发展条件，支持将生态、旅游、文化 等方面的资源优势转化为发展优势，激发内生动力，防止一味"等靠要"。要把乡村振兴重点帮扶县作为 欠发达地区的帮扶单元，继续从财政、金融、土地、人才等方面给予集中支持。国家层面继续重点支持 国家乡村振兴重点帮扶县，向革命老区、民族地区、边疆地区、重点生态功能区适度倾斜。通过不断改 善基础设施条件、提升公共服务水平、发展壮大县域经济等政策，帮助欠发达地区加快发展步伐，缩小 发展差距。 常态化精准帮扶涉及面广，统筹协调要求高，决不能松气懈怠。要在总结 ...

（来源：沈阳日报） 转自：沈阳日报 据新华社北京2月4日电（记者古一平）中央财办分管日常工作的副主任、中央农办主任韩文秀4日在国 新办举行的发布会上介绍，今年中央一号文件对常态化帮扶作出具体安排，各项配套政策也在抓紧制定 出台。 具体来看，在帮扶对象上实行动态管理。防止返贫致贫监测帮扶覆盖全体农村人口，只要有风险就可以 纳入监测帮扶。合理确定防止返贫致贫对象认定的标准，扎实做好乡村两级常态化监测，健全精准识别 和快速响应机制，确保早发现、早干预、早帮扶。 在帮扶方式上要突出精准高效。强化开发式帮扶，发挥社会救助兜底保障作用，推动帮扶政策协同集 成，着力增强内生动力。 在帮扶区域上注重分层分类。把乡村振兴重点帮扶县作为欠发达地区的帮扶单元，分别确定160个国家 乡村振兴重点帮扶县和一批省级乡村振兴重点帮扶县，继续从财政、金融、土地、人才等方面给予集中 支持。 在帮扶政策上要保持总体稳定。在财政投入、金融支持、资源要素配置等方面，不搞急转弯、急刹车， 保持中央财政常态化帮扶资金规模以及省市两级投入资金规模稳定。 韩文秀说："巩固拓展脱贫攻坚成果是一项长期任务，必须继续压紧压实工作责任，把常态化帮扶纳入 乡村振兴战 ...

新华财经北京2月4日电（记者古一平）中央财办分管日常工作的副主任、中央农办主任韩文秀4日在国 新办举行的发布会上介绍，今年中央一号文件对常态化帮扶作出具体安排，各项配套政策也在抓紧制定 出台。 韩文秀说："巩固拓展脱贫攻坚成果是一项长期任务，必须继续压紧压实工作责任，把常态化帮扶纳入 乡村振兴战略统筹实施，持之以恒抓好工作落实，确保长久守住不发生规模性返贫致贫底线。" 在帮扶政策上要保持总体稳定。在财政投入、金融支持、资源要素配置等方面，不搞急转弯、急刹车， 保持中央财政常态化帮扶资金规模以及省市两级投入资金规模稳定。同时，要在总结攻坚期和过渡期经 验的基础之上，继续实行五级书记抓、东西部协作、中央单位定点帮扶、驻村第一书记和工作队选派等 行之有效的体制机制和做法，健全常态化帮扶政策体系。 （文章来源：新华社） 在帮扶区域上注重分层分类。把乡村振兴重点帮扶县作为欠发达地区的帮扶单元，分别确定160个国家 乡村振兴重点帮扶县和一批省级乡村振兴重点帮扶县，继续从财政、金融、土地、人才等方面给予集中 支持。 具体来看，在帮扶对象上实行动态管理。防止返贫致贫监测帮扶覆盖全体农村人口，只要有风险就可以 纳入监测帮扶。合 ...

唐丽霞：常态化 帮扶成长期制度 安排，更依赖产 业和就业｜专家 解读一号文件 ③_南方+_南方 plus ▲点击查看"聚焦2026中央一号文件"系列报道 日前，中央一号 文件发布， 对"十五五"开局 之年"三农"工作 作出系统部署。 今年是防止返贫 致贫工作进入常 态化运行新阶段 的起始之年，文 件强调，过渡期 后，在持续巩固 拓展脱贫攻坚成 果的基础上，要 把防止返贫致贫 工作提升为常态 化机制，守 牢"不发生规模 性返贫致贫"底 线。 围绕文件有关部 署，南方农村报 记者采访了中国 农业大学国际发 展与全球农业学 院副院长、教授 唐丽霞。她表 示，我国减贫治 理经历了从开发 式扶贫到精准扶 贫、从"反贫 困"到"防贫 困"的阶段性跃 升。随着过渡期 的结束，常态化 帮扶的提出，既 回应了"帮扶工 作会不会弱化、 投入会不会退 出"的社会关 切，也标志着减 贫治理正式从集 中攻坚转向制度 化、常规化运 行。过去五年过 渡期的实践探 索，为常态化帮 扶的开展奠定了 制度共识，也形 成了一套成熟的 技术方法，让常 态化帮扶有章可 循、有据可依。 过渡期结束，减 贫相关政策是否 会逐步弱化，甚 至退出历史舞 台。 ...