活动中，齐商银行工作人员对本行业务进行精炼梳理与系统讲解，全面介绍了各类金融服务。针对养殖 户特点，工作人员重点解读了相关存贷款政策、申请条件及要点。面对各村提出的关于金融政策细节和 业务办理流程等方面的疑问，工作人员给予耐心、细致解答。 近日，齐商银行滨州鲁北小微支行聚焦乡村金融需求，先后到无棣县时礼村、堤头姚村、王白杨村、高 白杨村、石三里村及县域优质企业开展营销宣传活动。 ...

Group 1 - The core viewpoint of the article emphasizes the establishment of a financial consumer protection service station in Qixinghe Village, aimed at safeguarding the rights of rural financial consumers through a collaborative effort involving multiple stakeholders [1][3]. - The financial consumer protection service station is located in a key rural revitalization demonstration area, which allows it to serve as a model for broader implementation and guidance in the region [3]. - The service station integrates various functions, including consumer education, dispute mediation, and policy consultation, to create a comprehensive financial service platform for rural residents [3][5]. Group 2 - The service station has formed a volunteer service team consisting of an expert station manager, an industry mediator, a liaison officer, and multiple volunteers to enhance its outreach and effectiveness [3]. - The station aims to provide immediate assistance for simple procedures and facilitate follow-up for more complex issues, ensuring that financial services are accessible to all, including vulnerable groups [3][5]. - The company plans to further develop a grid-based financial education and outreach network, enhancing the presence and effectiveness of financial consumer protection services in rural areas [5][6].

Core Viewpoint - The article emphasizes the importance of rural finance in the context of rural revitalization, highlighting its role in addressing fundamental challenges and providing a framework for sustainable development in rural areas [2][6]. Summary by Sections Part One: Reassessing Rural Development - Rural revitalization focuses on what specifically needs to be revitalized, addressing ongoing challenges and questioning the existence of a "one-size-fits-all" solution [7]. - The concept of "rural" is distinguished from "countryside," with counties identified as crucial for implementing rural revitalization strategies [8]. Part Two: Viewing Rural Finance as an Ecosystem - The book defines rural finance and its ecosystem, moving from "rural finance" to "rural finance" and recognizing the complexities involved [8]. - It discusses the potential of "Payment+" services and the need for improved rural payment systems to enhance access to financial services [8]. - The resilience of rural areas is explored, emphasizing the importance of inclusive insurance over loans to protect families from risks [8]. - Wealth management services tailored for rural areas are proposed, suggesting the concept of "rural private banking" [8]. - The role of capital markets in rural finance is examined, including equity markets, bond issuance, and derivatives [8]. Part Three: The Challenges and Techniques of Rural Finance - The "last mile" problem in rural finance is identified, with discussions on service delivery models and the significance of physical outlets in the digital age [9]. - The article questions whether lower interest rates on rural loans are always beneficial, considering the balance between affordability and market sustainability [9]. - It explores how rural finance can achieve scale effects through various supply aggregation models [9]. - The necessity of a dual objective in rural finance is highlighted, advocating for a model that transcends profit maximization to meet rural development needs [9]. - Strategies for creating a high-quality rural finance ecosystem are outlined, including infrastructure development and capacity-building mechanisms [9].

从农村金融到乡村金融, 是一次飞跃; 把乡村金融放到乡村振兴背景下来讨论, 是一次拓宽。40多年的经 济改革已经让中国进入现代意义上的小康国家, 但是, 城乡差距仍然是中国发展历程中最难啃的一块骨 头。当前, 中国正在推进的几项国家战略中,乡村振兴战略无疑是最重要的战略之一。尽管过去数十年中 各种扶农助农建设新农村的措施屡见不鲜, 不过这次乡村振兴的立足点和视野与以往相比确实发生了实 质性变化。我们不得不正视的现实是: 第一, 我国国内生产总值中的农业产值只占到10%以下, 即使在农 业大省这一比例也多在个位数; 第二, 农民家庭收入中农业收入占比越来越低, 非农收入变得日益重要; 第三, 农村人口普遍外流, 村庄在相当程度上呈现空心化趋势, 越来越多的农民事实上以城镇作为生活基 地。可见, 乡村已经而且还将继续发生深刻的结构性变化。正是在这样的大背景下, 乡村振兴战略的目标 本质上不是像有些人理解的去振兴每一个村庄, 而是继续促进农业生产的规模化发展, 顺应务农人员减少 的历史趋势,推动农村向城乡融合的愿景演进, 以实现县域经济社会平衡发展的宏伟目标。 中国农村相对落后的原因众多, 金融服务匮乏肯定是其中一 ...

Core Viewpoint - Guilin Bank demonstrates strong resilience and steady growth in various operational indicators despite a complex macroeconomic environment, with a focus on rural finance and community banking to drive its development [1][2]. Group 1: Operational Performance - As of the end of 2024, Guilin Bank's total assets reached 576.447 billion yuan, a 6.23% increase from the beginning of the year; total deposits were 391.778 billion yuan, up 3.47%; total loans amounted to 360.280 billion yuan, reflecting a 10.93% growth; annual operating income was 12.054 billion yuan, a 4.88% year-on-year increase; and net profit was 2.320 billion yuan, up 5.80% year-on-year [2]. - In Q1 2025, Guilin Bank's total assets grew to 584.780 billion yuan, a 1.45% increase; total deposits reached 409.832 billion yuan, up 4.61%; total loans were 369.003 billion yuan, a 2.42% increase; operating income was 3.154 billion yuan, and net profit was 1.032 billion yuan, reflecting a 1.52% year-on-year growth [2]. Group 2: Rankings and Recognition - Guilin Bank's rankings have improved, placing 295th in the "2024 Global Bank 1000" by The Banker magazine based on core tier 1 capital; 250th in the "2024 China Service Industry Enterprises 500"; and 22nd in the "2024 Guangxi Top 100 Enterprises" [3]. Group 3: Rural Finance Development - Guilin Bank continues to deepen its rural finance efforts, enhancing its rural financial moat through refined management and optimizing asset sinking mechanisms tailored to local conditions. As of the end of 2024, the bank's county loan balance was 109.799 billion yuan, with agricultural loans at 83.379 billion yuan, a 12.66% year-on-year increase [4]. - The bank has established 600 rural revitalization demonstration points, covering one-third of Guangxi's agricultural industrialization leading enterprises [4]. Group 4: Community Financial Services - Guilin Bank is upgrading its community financial services, providing professional and convenient "financial + non-financial" services to residents and small enterprises. By the end of 2024, the bank had set up 683 community/small micro branches, ranking first among urban commercial banks in China [5]. Group 5: Financial Support for Local Economy - As the largest urban commercial bank in Guangxi, Guilin Bank focuses on financial support for key strategies and sectors, with loans in the "five major financial articles" reaching 117.677 billion yuan by the end of 2024, and a total of 99.529 billion yuan disbursed throughout the year [6]. Group 6: Technology and Green Finance - In the technology finance sector, Guilin Bank's loans to tech enterprises reached 30.113 billion yuan, a 32.72% year-on-year increase, supporting 953 high-tech enterprises [7]. - The bank has established 49 green finance specialized institutions, with green loan balances of 41.608 billion yuan, reflecting a 20.08% year-on-year growth, ranking first among local financial institutions in Guangxi [7]. Group 7: Inclusive and Digital Finance - Guilin Bank has optimized its small and micro enterprise loan services, with private loans reaching 165.904 billion yuan and inclusive small micro loans at 42.630 billion yuan, increasing by 5.55% and 13.07% year-on-year, respectively [8]. - The bank is enhancing its digital financial capabilities, with a case study on digital human intelligent financial applications winning an award for innovation in Guangxi's financial system [8].