保障粮食和重要农产品稳定安全供给是推进乡村全面振兴的首要任务，也是金融业支持"三农"的重点。 《方案》提出，大力支持粮食安全战略，强化粮棉油等重要农产品稳产保供、种业关键核心技术攻关、 现代设施农业建设、盐碱地综合利用等领域金融服务。 工作中，金融机构纷纷发力保障粮食生产领域金融供给。农行山东分行针对粮食收购企业资金需求"短 频快"的特点，推出"链式服务"，组合搭配多款金融产品，形成"收粮—加工—销售"全链条金融服务闭 环，有效满足粮食收储等涉农资金需求。截至6月末，该行粮食重点领域贷款余额260.3亿元，较年初增 加92.9亿元。浙江农商联合银行辖内三门农商银行积极对接农业农村部门及各乡镇，持续加大对粮食生 产、设施农业、农机购置等"米袋子""菜篮子"等工程信贷支持力度。已发放相关农业经营主体贷款金额 4.71亿元。农业发展银行江苏省分行首批200亿元夏粮收购资金已准备到位，并根据收购需要、企业需 求随时调配资金，及时增加投放额度，不留缺口，确保"钱等粮"。 "监管部门需要持续引导银行等金融机构聚焦粮食和重要农产品生产、高标准农田建设、种业振兴和科 技装备、现代设施农业、现代乡村产业体系、农村基础设施和公共 ...

Core Viewpoint - The development of "living timber loans" and innovative financial products has transformed forest resources into valuable assets, enhancing the economic viability of rural areas and promoting ecological sustainability [1][3][4]. Group 1: Historical Context and Development - In the late 1970s, the village of Houyang faced severe poverty, leading to deforestation as villagers sought livelihoods [2]. - Huang Zhenfang, a local resident, took a loan of 80,000 yuan to cultivate 50 acres of barren land, initiating a successful reforestation project [2]. - The concept of "living timber loans" was introduced by Xi Jinping, allowing farmers to use young trees as collateral for loans, thus opening new financial pathways for forestry [1][3]. Group 2: Financial Innovations and Impact - The establishment of a market for living timber in 1989 marked a significant shift in forestry management, allowing for the monetization of forest resources [2][3]. - Financial products such as "forest tickets" and "carbon credit loans" have emerged, injecting vitality into the forestry sector and facilitating sustainable development [4][6]. - By 2024, Huang Zhenfang's family forest achieved an annual income exceeding 1.2 million yuan, a significant increase from less than 30,000 yuan in 1989, demonstrating the financial benefits of these innovations [6]. Group 3: Broader Economic Implications - The integration of green finance into the local economy has led to the development of a "forest economy" that combines forestry with tourism and agriculture [7]. - The People's Bank of China has emphasized the importance of high-quality financial services to support economic development, with a focus on rural areas [7]. - As of mid-2023, the total social financing scale reached 430.22 trillion yuan, reflecting a growing trend in financial support for the real economy [7]. Group 4: Future Directions - The ongoing reforms in financial services aim to enhance the accessibility and effectiveness of financial products for rural communities, ensuring that financial resources are aligned with local development needs [10][11]. - The success of the living timber loan model is being replicated in other regions, indicating a potential for widespread adoption of similar financial innovations across the country [15][16].

Core Viewpoint - The establishment of a comprehensive rural credit system in Hechi City aims to address issues of information asymmetry, high risks, and costs in traditional rural financial services, leveraging financial technology to support rural revitalization efforts. Group 1: System Overview - The "Five-in-One" rural credit information system utilizes a "1+3+N" technical framework, consisting of a rural subject credit information database, three application platforms (web, mobile app, WeChat mini-program), and an ecosystem based on credit ratings [1] - Since its promotion in 2022, the system has launched versions 1.0 and 2.0, enhancing data security and integrating advanced models to improve system performance and safety [1] Group 2: Data Collection and Credit Rating - The system implements a "double insurance" quality control mechanism for information collection, requiring farmers and village leaders to sign credit commitment letters, with regular checks by local authorities [2] - A six-level credit rating system ("B-1A-5A") has been established, with over 90.64 million farmer records and a participation rate exceeding 98% for credit evaluations [2] Group 3: Financial Impact and Benefits - The system has facilitated the issuance of various credit products, totaling 45.34 billion yuan in loans to 986 villages and 266,300 farmers, significantly increasing credit supply [3] - Credit users benefit from discounts at local attractions and subsidies for public transport, while the system supports differentiated industry reward policies based on credit ratings [3]

Group 1 - The construction of a rural credit system is essential for financial support of comprehensive rural revitalization and creating a good credit development environment [1] - As of May 2025, the rural credit system in Shannan City has evaluated 8 credit counties, 77 credit towns, and 564 credit villages [1] - A total of 63,584 credit files for farmers have been established in Shannan City by May 2025 [1] Group 2 - Financial institutions in Shannan City are encouraged to provide differentiated financial products and services to credit counties, with a loan issuance of 59,084 certificates and a loan balance of 5.414 billion yuan as of May 2025 [2] - The accounts receivable financing service platform has facilitated 9 financing transactions amounting to 165 million yuan by May 2025 [2] - The comprehensive credit service platform in Tibet has supported 7 financing transactions with a total amount of 90 million yuan by May 2025 [2] Group 3 - The People's Bank of China in Shannan City is actively promoting credit evaluation and knowledge education among farmers, enhancing their credit awareness through various campaigns [3] - Annual credit publicity plans and detailed implementation schedules are being developed to foster a culture of credit awareness [3]

Core Viewpoint - The transformation of Wenbi Village from a small fishing village to a popular tourist destination is driven by the development of high-end homestays and travel photography spots, supported by financial services from Dali Rural Commercial Bank to enhance the local tourism industry [1][2][3]. Group 1: Tourism Development - Wenbi Village has evolved into a "hidden paradise" with over 60 dining establishments, 30 homestays, and more than 10 commercial photography spots, attracting tourists from all over [2]. - The local tourism industry is shifting from "selling products" and "selling scenery" to "selling culture" and "selling experiences," promoting the integration of primary, secondary, and tertiary industries [2]. Group 2: Financial Support and Credit System - Dali Rural Commercial Bank has issued loans totaling 40.86 million yuan to 164 households in Wenbi Village, with a credit coverage rate of 48% as of April this year [3]. - The bank has developed a specialized product called "Cang'er Agricultural Credit Tourism Loan" to support the local tourism industry, providing comprehensive financing services tailored to individual village needs [4]. Group 3: Economic Impact - The wedding industry in Dali has seen over 5,000 destination weddings and served more than 200,000 customers, generating an annual industry output value of nearly 1.8 billion yuan [4]. - Local entrepreneurs, like Li Xuewen and Zhao, have successfully launched businesses in hospitality and travel photography, contributing to local economic growth and job creation [3][4][6]. Group 4: Community Engagement - Dali Rural Commercial Bank actively includes "new citizens" in its credit system, providing tailored financial solutions to help them overcome funding challenges [6]. - The bank's approach to community service involves direct engagement with residents to understand their needs and offer appropriate financial products [4][6].

Group 1 - The core viewpoint highlights the successful implementation of a credit system in Ningde City, which has significantly improved the financial situation of local farmers and businesses, particularly in the aquaculture and agricultural sectors [1][2][3] - The establishment of a dual-driven mechanism combining government leadership and market collaboration has led to the creation of a unique financial ecosystem in the region, with various credit ratings assigned to towns and villages [1] - As of the first quarter of 2025, the financial institutions have issued credit loans totaling 86.5 billion yuan, representing a 130% increase since 2019, showcasing the effectiveness of the credit system [1] Group 2 - In the credit tea area, a model involving leading tea enterprises and local farmers has resulted in a loan balance of 20.3 million yuan, benefiting 751 tea farmers and increasing their average income by 27% over six years [2] - The establishment of a credit cooperative in Fuda Village has transformed the traditional agricultural village into a financially viable entity, with 45.65 million yuan in credit funds activating 5,200 acres of pear orchards [2] - The average income of farmers in Ningde City has risen from 17,800 yuan in 2019 to 26,300 yuan in 2024, reflecting an annual growth rate of 8.2% and a reduction in urban-rural income disparity [3]

运送农资、除虫施肥……初夏时节，田间地头处处火热。 农忙时节，也是金融服务的"旺季"。国家金融监督管理总局不久前发布通知，推动扎实做好2025年"三 农"金融工作，明确保障粮食等重要农产品金融供给，努力实现同口径涉农贷款余额较年初持续增长。5 月7日，中国人民银行决定增加支农支小再贷款额度3000亿元，进一步加大普惠金融支农力度。 各地金融机构迅速响应，不断加大信贷投放，持续优化产品服务，努力让金融"活水"更多、更快、更精 准地流入良田。 提速度 提前摸排，探索将无形资产纳入评价 浙江金华东阳市明焕村，种粮大户陆洪平的水稻田里响起劳作"合奏曲"。田间，除草机高效作业；空 中，农用无人机来回穿梭施肥。 "种管早就用上了'大铁牛'，无人机是今年新添的好帮手，喷药施肥更均匀，农田边边角角都能覆盖 到，效率提高了好几倍。"陆洪平介绍，过去他家仅耕种自家田地，依靠人工劳作。如今，他流转了老 乡们的土地，种粮面积扩大到约800亩，为适应规模化种植，必须不断升级装备。 赶在农忙时用上无人机，多亏了一笔及时发放的贷款。 年初，邮储银行金华市分行工作人员带着移动设备上门走访。"了解到我有购买无人机的需求，他们现 场录入资料，将 ...