Core Viewpoint - The People's Bank of China and the Ministry of Agriculture and Rural Affairs have jointly issued an opinion to enhance financial services for rural revitalization, outlining 19 measures across seven areas to improve the quality and effectiveness of financial support for rural development [1][2]. Financial Support for Agriculture - Financial support for rural areas has been increasing, with rural loan balances reaching 38.95 trillion yuan, a year-on-year growth of 7.4% as of Q2 2025, and an increase of 2.15 trillion yuan in the first half of the year [2]. - The opinion emphasizes the need for financial institutions to focus on the financing needs of local specialty agricultural products and to develop differentiated credit policies [2]. Agricultural Innovation and Industry Chain - The opinion highlights the importance of financial services for seed industry revitalization, advocating for long-term, low-cost R&D loans and differentiated credit assessment systems to support agricultural innovation [3]. - It also calls for innovative agricultural supply chain financial models and increased financial support for infrastructure related to agriculture, such as logistics and storage [3]. Digital Rural Development - The opinion stresses the need to empower digital rural development through financial technology, aiming to enhance digital inclusive finance in rural areas [4]. - It proposes the creation of comprehensive service platforms that integrate government services and financial services to improve rural governance [4]. Mechanism for Financial Services Reform - The opinion outlines the need to improve the mechanisms for financial services in rural reforms, including the standardization of rural property rights transactions and the establishment of financing service platforms [7]. - It encourages the exploration of new financing models for rural land and collective economic organizations, as well as optimizing the financial supply mechanism [7]. Multi-layered Rural Financial System - Experts suggest constructing a multi-layered, differentiated rural financial system that includes policy, commercial finance, and fintech, while avoiding negative impacts on smaller institutions [8]. - There is a call for comprehensive financial services that integrate various financial tools to support agricultural international trade and e-commerce [8].