针对农业生产周期长、资金周转压力大的特点，该行积极推广无还本续贷政策，有效破解经营者 "转贷 难、转贷贵" 的难题。在金融 "及时雨" 的润泽下，当地种植户得以按时支付收割作业费，确保秋粮归 仓；农产品加工户顺利结清原材料收购款，保障生产连续性；养殖农户按需采购饲料，稳定养殖规模， 各类农业经营场景呈现蓬勃发展态势。 中信银行赤峰分行相关负责人表示，将持续深耕 "三农" 金融服务领域，围绕农业产业链各环节的多元 化需求，不断创新金融产品、优化服务模式，以更有力的金融支持守护粮食安全，为赤峰市农业强市建 设注入持久动力。（李贺） 编辑：赵鼎 转自：新华财经 金秋九月，赤峰大地迎来秋粮生产关键攻坚期。中信银行赤峰分行精准锚定当地农业发展需求，聚焦农 业经营主体在生产、周转等核心环节的融资难题，以个人经营贷为核心服务载体，持续注入金融动能， 为区域秋粮顺利收获与农业经济提质增效保驾护航。 立足农业生产实际，中信银行赤峰分行将金融资源向农业经营领域高效倾斜，重点为种植户、养殖户、 农产品加工户等经营主体纾困解难。据统计，三季度以来，分行已累计投放农业个人经营贷款超300万 元，服务范围覆盖粮食种植、畜禽饲养、农产品初 ...

重庆秀山县的翁红珍，日子曾难到撑不下去。丈夫确诊"渐冻症"后，家里的积蓄花光了，还欠了不少 债，她一个人要养三个孩子和两位老人。就在最难的时候，农行给了她5万元扶贫小额贷款，她用这笔 钱开了家"边城小厨"餐馆，日子才算有了盼头。秀山县委常委、统战部部长林成芳说，像翁红珍这样靠 农行贷款撑起生活的家庭，在秀山还有很多，"单是农行，就扛下了全县脱贫小额信贷的大半边天"。 这些藏在乡野里的改变，背后还有一群在田间地头奔忙的人。福建龙岩长汀河田支行的李文慰，当了40 年客户经理，从没换过单位，也没离开过长汀。"这些年我就干了一件事，给乡亲们跑腿，帮他们解决 钱的难题。"今年57岁的他，还在一线跑，帮老乡们解读政策、办贷款，有空就把自己的经验教给年轻 同事，怕这些跟农民打交道的"门道"断了档。 9月19日，"倾听·助力·共富与亿万农民同心共行致敬2025中国农民丰收节发布会"在北京召开。今年是中 国农民丰收节设立的第八年，也是巩固拓展脱贫攻坚成果同乡村振兴有效衔接五年过渡期的最后一年， 这场发布会没有过多宏大叙事，而是把镜头对准了一个个扎根乡野的"丰收者"——他们带着自己与土地 打交道的故事，也聊起了金融力量如何帮他们 ...

Core Insights - The "Farming Guarantee" business, a collaboration between Qingdao Financing Guarantee Group and Qingdao Rural Commercial Bank, has been officially launched to provide financial support to local agricultural enterprises [1] - The initiative aims to alleviate financial pressures faced by companies during peak purchasing seasons and to address financing bottlenecks in expanding livestock operations [1] - A unique risk-sharing mechanism called "46-54 risk sharing" has been introduced, where the bank assumes 40% of the loan risk and the guarantee institution takes on 60% of the guarantee responsibility, enhancing the willingness of banks to lend [1] Summary by Categories Financial Support - Qingdao Financing Guarantee Group and Qingdao Rural Commercial Bank have provided financing guarantees of 5 million yuan and 3 million yuan to Qingdao Hegu Source Grain Purchase and Sale Co., Ltd. and Qingdao Xinhong Livestock Service Co., Ltd. respectively [1] - The "Farming Guarantee" product is designed to support rural financial services and reduce financing thresholds for farmers and agricultural enterprises [1] Risk Management - The "46-54 risk sharing" mechanism allows for a scientific approach to risk distribution, promoting a complementary financial ecosystem between banks and guarantee institutions [1] - This model effectively enhances the willingness of banks to lend and addresses the financing difficulties faced by enterprises [1] Future Directions - Qingdao Financing Guarantee Group aims to continue innovating products and service models while deepening strategic cooperation with government departments and financial institutions [2] - The focus will be on building a multi-level, comprehensive financial service system for agriculture, contributing to high-quality agricultural development and improving the living standards of rural residents [2]

Core Viewpoint - On September 4, Agricultural Bank of China (ABC) briefly surpassed Industrial and Commercial Bank of China (ICBC) in total market capitalization, reaching approximately 2.45 trillion yuan, marking a significant recognition of its stable operational strategy and focus on rural financial services [1][12]. Market Performance - On the same day, ABC's stock price surged over 5%, hitting a historical high of 7.55 yuan per share, reflecting strong market performance [2]. - As of the latest update, ABC's A-shares were priced at 7.52 yuan, with a total market capitalization of about 2.63 trillion yuan, while ICBC's A-shares were at 7.54 yuan, with a market cap of approximately 2.69 trillion yuan [3][4][5]. Financial Metrics - ABC's total share capital is approximately 350 billion shares, with A-shares accounting for about 91.22% of its total capital structure, which enhances the impact of A-share price movements on its market capitalization [5]. - Year-to-date, ABC's A-shares have increased by over 44%, significantly outperforming ICBC's A-share growth of 13% [5]. Strategic Focus - ABC's market capitalization growth is attributed to its long-term commitment to serving the rural economy, with county-level loans reaching 10.77 trillion yuan, representing 40.9% of domestic loan balances [6]. - The "Huinong e-loan" product, designed for farmers, has a balance of 1.79 trillion yuan, with a growth rate of 19.9%, enhancing accessibility to rural financial services [6]. Loan Growth in Key Areas - Loans related to food security and essential agricultural products reached 1.24 trillion yuan, with a growth rate of 23.7% [8]. - Financing for rural industries and construction has also seen significant growth, with loan balances of 2.70 trillion yuan and 2.44 trillion yuan, respectively, both exceeding the average growth rate of the bank's loans [8]. Performance Metrics - For the first half of the year, ABC reported a net profit of 139.51 billion yuan, a year-on-year increase of 2.66%, and operating income of 369.94 billion yuan, up 0.85% [9]. - In contrast, ICBC's net profit decreased by 1.39% to 168.10 billion yuan, despite a revenue increase of 1.6% [9]. Future Outlook - The capital market's recognition of ABC is based on its sustainable growth potential stemming from its commitment to rural service strategies, which are expected to yield greater returns as national policies continue to emphasize rural development [13].

Core Viewpoint - The article highlights the proactive measures taken by Nanjing Agricultural Bank to support farmers during the summer harvest season, ensuring timely financial assistance to meet their needs and enhance agricultural productivity [2][4][8]. Group 1: Financial Support and Loan Distribution - As of the end of May, Nanjing Agricultural Bank's agricultural loan balance exceeded 22.1 billion yuan, an increase of 5.1 billion yuan since the beginning of the year, with loans specifically for grain-related sectors reaching 5.244 billion yuan, up by 2.361 billion yuan [2]. - The bank issued 341 personal loans (including those for farmers) totaling over 200 million yuan, contributing to the happiness of the local community during the harvest [5]. Group 2: Impact on Farmers and Agricultural Operations - Farmers in Nanjing's Liuhe District expressed gratitude for the bank's financial support, with one farmer stating that a loan of 1.5 million yuan helped address pre-harvest purchasing challenges, allowing them to prepare for unexpected weather [4]. - A grain dealer reported that due to sufficient liquidity from the bank, they were able to purchase over 1,000 tons of wheat, with farmers lining up to sell their grain at collection points [4]. Group 3: Tailored Financial Solutions for Agricultural Enterprises - Nanjing Agricultural Bank is actively supporting agricultural technology companies by providing customized financial solutions for purchasing essential equipment, thereby enhancing the efficiency of grain collection [7]. - A specific agricultural technology company, managing 7,000 acres, received a 1 million yuan loan within five working days, enabling them to acquire advanced harvesting machinery and improve the quality of grain collection [7]. Group 4: Commitment to Rural Development - Nanjing Agricultural Bank is committed to deepening its financial services for rural areas, focusing on increasing agricultural productivity and farmers' income, thereby contributing to rural revitalization and ensuring stable grain supply throughout the year [8].

Core Viewpoint - The article highlights the success story of a flower market entrepreneur in Guangzhou, showcasing the importance of innovative financial products tailored to the needs of small business owners in the agricultural sector [1][2][4]. Group 1: Company Overview - Guangzhou Yayu Ecological Environment Co., Ltd., led by Sun Mengjiang, operates in the largest flower market in Guangdong, known for its diverse flower offerings [1]. - The company has expanded to over 170 acres of planting base, with flowers being well-received in both domestic and international markets, including exports to Vietnam [3]. Group 2: Financial Support and Innovation - The Postal Savings Bank of China provided a specialized loan product, "Flower Loan," amounting to 700,000 yuan, to assist Sun Mengjiang in overcoming financial challenges related to seasonal planting [2]. - The bank's initiative reflects its commitment to supporting the agricultural sector and small businesses, particularly in addressing the unique financing needs of flower market vendors [4]. Group 3: Economic Impact - The flower business has positively impacted local farmers, increasing their wages from 2,000-3,000 yuan to 5,000-6,000 yuan, thereby improving their living standards [3]. - The growth of the flower industry contributes to rural economic development and enhances the livelihoods of local communities [3].

Group 1 - The core viewpoint emphasizes the importance of financial support from Postal Savings Bank for agricultural activities, particularly during the spring farming season [1][2][3] - Postal Savings Bank's Jiangxi branch actively conducts "loan delivery to the countryside" initiatives to assess credit needs for purchasing fertilizers and agricultural equipment [1][3] - The bank has established a dedicated "green channel" for spring farming loans, prioritizing approval processes to provide efficient financial services to farmers [1][3] Group 2 - The bank's financial services team is organized to provide on-site support to farmers, helping them secure necessary funding for spring farming activities [2][3] - A notable case includes a farmer who secured a loan of 2 million yuan within two days to address cash flow issues for spring farming [2] - The bank has developed tailored financial service plans based on local agricultural needs, with a focus on supporting the entire agricultural supply chain [3]