农村金融服务是我国金融服务中的短板。与城市相比，金融机构服务农村的困难不少。农户经营规模一 般较小，缺少抵质押物和担保条件；农民征信不足，金融机构难以给农民"精准画像"；农户生产经营还 易受异常天气灾害、农产品价格波动等因素影响。这些客观原因造成了金融机构服务农村风险大、成本 高、动力不足，让不少金融机构对服务农村望而却步。 日前召开的中央经济工作会议提出，明年经济工作将"统筹推进以县城为重要载体的城镇化建设和乡村 全面振兴"。金融是国民经济的血脉，乡村全面振兴离不开金融活水的滋养。近年来，国家不断加大对 农村金融的支持力度，鼓励深化农村金融服务创新。日前，中国人民银行、农业农村部联合印发《关于 加强金融服务农村改革推进乡村全面振兴的意见》，为金融业进一步完善农村服务体系指明方向。 （文章来源：经济日报） 面对困难，金融机构服务农村市场不能简单照搬服务城市模式，与城市相比，农村更像熟人社会，需要 转变思维、入乡随俗、迎难而上。金融机构需要熟悉农村、走进农村，真正弄清、弄透农村市场和农户 需求，结合我国农业农村农民的实际情况创新服务方式。银行信贷工作者需要同广大农民打成一片，深 入农村生产生活，掌握农户大棚、猪 ...

在深耕大蒜产业之外，邳州农商银行还将金融服务延伸至肉鸡养殖、冰糖葫芦等地方特色领域。在新河 镇，该行积极参与"双增收，一起富"行动，为肉鸡产业链的企业、养殖户和共建村提供全方位金融支 持。在"冰糖葫芦第一村"四王村，客户经理驻村走访，精准对接村民需求，配套"乡村振兴贷"等专项产 品。一位冰糖葫芦制作能手在金融支持下购置真空包装机、完成质检认证，年销售额从50万元跃升至 200万元，并带动8位村民实现就业增收。 聚焦服务创新，从"能办理"到"懂需求" 邳州农商银行持续推进网点转型，将传统交易场所升级为综合化、智能化、场景化的金融服务枢纽。通 过完善机具配置、优化岗位设置、提升人员素质，增设多种智能设备，打造集智能服务与专业指导于一 体的精品网点。在业务高峰时段，灵活增设弹性窗口，增派业务引导员协助客户使用自助渠道。此外， 成立"小圆金融服务队"主动为行动不便或有特殊需求的客户提供上门服务，真正将柜台延伸到田间地 头、客户家中。 从"金融输血"到"信用造血"，邳州农商银行通过将金融服务、科技赋能、产业支撑、文化培育有机融 合，探索出一条具有邳州特色的农村信用体系建设之路，持续为乡村振兴注入新动能。今后，邳州农商 ...

Core Insights - The Gansu rural credit system is being upgraded through innovative credit models that leverage data from various sectors, enabling farmers and agricultural cooperatives to access credit without traditional collateral requirements [1][2][8] Group 1: Credit Models and Innovations - The "Gansu Xinyi Loan · Long Xintong" platform has created a unified credit information database for 370,000 agricultural entities, facilitating over 700 billion yuan in credit loans [1][2] - The platform has led to a 14.26% year-on-year increase in credit loan financing, with an average approval time reduction of 80% [2] - Three innovative credit models have emerged: "Whole Garden Credit," "Sheep Chain Cloud Platform," and "Postal Logistics + Whole Village Credit," integrating credit assessment into agricultural operations [3][8] Group 2: Specific Case Studies - In Baiyin, the "Whole Garden Credit" model has established a credit assessment mechanism for agricultural parks, resulting in a total credit of 2.45 billion yuan for 158 entities [4] - The "Sheep Industry Chain Cloud Platform" in Qingyang utilizes blockchain and IoT technologies to create real-time credit profiles for sheep farmers, reducing loan approval times from 10 days to 1 day and lowering financing costs by 20%-30% [5][6] - The "Postal Logistics + Whole Village Credit" model in Tianshui has enabled farmers to receive credit loans quickly, with 9112 households evaluated and 3.77 billion yuan in loans issued [7] Group 3: Future Directions - The People's Bank of China in Gansu plans to continue optimizing the credit platform, enhancing data collection for agricultural insurance, subsidies, and tax incentives to improve credit supply in rural areas [2][8]

Core Viewpoint - The news highlights the efforts of the People's Bank of China Jiangsu Branch in promoting rural credit systems to support agricultural development and rural revitalization, showcasing successful case studies of financial support for local agricultural cooperatives and farmers [1][2][3]. Group 1: Financial Support Initiatives - Jiangnan Rural Commercial Bank provided a loan of 1.2 million yuan to the Xin Nan Grape Cooperative, enabling improvements in greenhouse facilities and the introduction of new seedlings [1]. - The Jiangsu Branch of the People's Bank of China has implemented a rural credit system that includes a comprehensive credit evaluation mechanism, facilitating the issuance of various credit products such as "Crawfish Loans" and "Grain Loans" [3][4]. Group 2: Credit System Development - The Jiangsu Branch has led the development of a rural credit system through collaboration with government departments, focusing on credit user and village evaluations, resulting in a well-coordinated work structure across the province [2][5]. - By the end of September 2025, Jiangsu Province had awarded credit town status to 423 towns and credit village status to 8,562 villages, with credit evaluations covering over 12.5 million farmers [7]. Group 3: Technological Integration - The establishment of a rural economic entity information management system has allowed for the integration of various agricultural data, enhancing the efficiency of credit evaluations and loan approvals [3][4]. - The introduction of mobile platforms for credit services has improved access to financing for farmers, demonstrating the effective use of technology in rural financial services [4][6]. Group 4: Community Engagement and Education - The Jiangsu Branch has initiated various community engagement activities to promote credit awareness, including workshops and exhibitions, reaching over 21,700 individuals [6]. - The integration of credit evaluation into local governance has fostered a culture of trust and accountability among agricultural stakeholders [6].

Core Insights - Financial institutions are increasingly focusing on rural revitalization by innovating financial products and increasing inclusive agricultural loans, with a reported balance of 13.9 trillion yuan in inclusive agricultural loans by the end of Q2 2025, an increase of 1.1 trillion yuan since the beginning of the year [1][2] Group 1: Policy and Regulatory Support - Regulatory bodies have introduced policies to guide financial resources towards rural revitalization, emphasizing the need for banks to maintain growth in agricultural loans and increase credit support for key agricultural sectors [2] - The Agricultural Development Bank plays a crucial role in supporting agricultural financing, having disbursed 410 million yuan in advance funds for summer grain purchases [2] Group 2: Financial Products and Services - Agricultural Bank has significantly increased its financial services for farmers, with specific products like "Huinong e-loan" reaching a balance of 1.79 trillion yuan and "Grain Farmer e-loan" at 1.401 trillion yuan [3] - Rural small and medium banks are innovating products like "biological live collateral loans" to address the unique needs of the agricultural sector, with 71 loans issued amounting to 47.32 million yuan [3] Group 3: Credit System Development - The rural credit system faces challenges due to data silos, with a lack of effective data collection on farmers' information, which hinders credit assessment [4] - Financial institutions are encouraged to leverage digital technologies to build open platforms for better data access and to enhance the rural credit system [4][5] Group 4: Technological Advancements - Financial technology is being utilized to improve service efficiency in rural finance, with mobile banking significantly reducing operational costs [7][8] - Agricultural Bank is accelerating its digital transformation, implementing AI applications in various scenarios to enhance customer service and operational efficiency [7][8] Group 5: Future Directions - There is a push for commercial banks to develop digital credit products tailored to rural market characteristics, aiming for online and automated processes to meet the specific needs of rural businesses [8]

Core Insights - Financial institutions are increasingly focusing on rural revitalization by innovating financial products and increasing inclusive agricultural loans, with a reported balance of 13.9 trillion yuan in inclusive agricultural loans by the end of Q2 2025, an increase of 1.1 trillion yuan from the beginning of the year [1] Group 1: Policy and Regulatory Support - Regulatory bodies have introduced policies to guide financial resources towards rural revitalization, with a specific directive for banks to continue increasing agricultural loan balances and focus on key areas like grain production [2] - The Agricultural Development Bank plays a crucial role in supporting agricultural financing, having disbursed 410 million yuan in advance funds for summer grain purchases [2] Group 2: Financial Products and Services - Agricultural Bank has significantly increased its financial services for farmers, reporting a balance of 1.79 trillion yuan in its "Huinong e-loan" product and 1.24 trillion yuan in loans related to grain supply [3] - Rural small and medium banks are innovating products like "biological live collateral loans" to address the unique needs of the agricultural sector, with 71 loans amounting to 47.32 million yuan issued [3] Group 3: Credit System Development - The rural credit system faces challenges due to data isolation, with efforts needed to establish a comprehensive credit information collection and assessment system [4] - Financial institutions are encouraged to leverage digital technology to build open platforms for better credit assessment and to create credit villages and townships to enhance data coverage [4] Group 4: Technological Advancements - Financial technology is being utilized to improve service efficiency in rural finance, with mobile banking significantly reducing service costs [7] - Agricultural Bank is accelerating its digital transformation, implementing AI applications in various areas to enhance customer service and operational efficiency [7][8] Group 5: Innovative Financing Solutions - New financial products like "Agricultural and Animal Husbandry Loans" are being developed to meet the specific needs of farmers, allowing for flexible loan terms without the need for collateral [8] - Future developments in digital credit products are expected to automate agricultural loan processes, addressing the unique demands of rural businesses [8]

Core Viewpoint - The article highlights the transformative impact of credit systems on rural economies in Xiangxi Prefecture, Hunan Province, emphasizing the role of credit in enhancing agricultural productivity and income for farmers [1][2]. Group 1: Credit System Development - The establishment of a rural credit system has led to significant financial support for farmers, with 513 households receiving a total credit of 32.28 million yuan, resulting in collective economic growth for the village [2]. - The "government + bank + village collective" model has been effective in facilitating credit access, with 65 households expanding their planting scale through credit loans, contributing to a collective income exceeding 500,000 yuan [2]. Group 2: Innovative Financial Services - The introduction of a "credit + labor" service model has enabled the collection of income data for over 140 migrant workers, leading to the issuance of 500,000 yuan in pure credit loans for high-quality workers [2]. - Innovative lending practices, such as "revenue rights pledge," have allowed entrepreneurs like a returning student to secure 3 million yuan for business expansion, demonstrating the adaptability of financial services to meet local needs [3]. Group 3: Leveraging Ecological Assets - The use of carbon credits as collateral has enabled an ecological agriculture company to secure 3 million yuan in loans, showcasing the potential of environmental assets to enhance creditworthiness [3]. - The agricultural sector has benefited from tailored credit products, such as "Fruit King Loan" and "Homestay Loan," which have collectively supported thousands of farmers and tourism operators with significant loan amounts [4]. Group 4: Risk Management and Data Integration - The integration of various data sources has improved risk management in lending, with platforms analyzing transaction data and credit records to facilitate loans, such as a 705.9 million yuan loan for a pig slaughter enterprise [4]. - The establishment of a "government-bank-enterprise cooperation" data platform has enabled the creation of credit profiles for over 200 tourism businesses, enhancing the overall financial ecosystem in the region [4].

Core Viewpoint - The news highlights the efforts of the People's Bank of China in Xingan League to enhance rural credit systems and promote innovative financing mechanisms for rural revitalization, aligning with national strategies for rural development [1]. Group 1: Credit Information Collection - As of June 2025, financial institutions in Xingan League have established credit files for 476,500 farming households, ensuring comprehensive coverage of agricultural data [2]. - A thorough investigation and credit assessment initiative has been launched, involving local credit institutions and village committees to update household information and enhance customer relationship management systems [2]. - Major state-owned and urban commercial banks are extending their services to rural markets, with 32% of the credit files established by these banks in Xingan League [2]. Group 2: Financial Products - The People's Bank of China in Xingan League has introduced a credit loan product called "Xing Credit," based on a three-tier credit rating system, offering preferential terms for recognized credit-worthy villages and households [3]. - "Xing Credit" allows for loans up to 400,000 yuan with a fully online approval process, addressing the challenges of small loan accessibility in rural areas [3]. - Since its launch in 2025, "Xing Credit" has facilitated 48,000 loans totaling 6.935 billion yuan, with interest rates as low as 3.2% [3]. Group 3: Collaborative Efforts - The People's Bank of China in Xingan League has partnered with various government departments to establish a new information-sharing protocol for agricultural entities, enhancing the rural credit system [4]. - This collaboration includes a dual information push mechanism, aiding creditworthy agricultural entities in securing financial support while providing government departments with updated credit assessment results [4]. Group 4: Credit Awareness Campaigns - The People's Bank of China in Xingan League has initiated various campaigns to enhance credit awareness among farmers, utilizing a promotional character based on the "Mongolian Horse Spirit" [5]. - The campaign includes the production of educational short dramas and the involvement of local financial ambassadors to promote the importance of credit integrity among the farming community [5].

Core Viewpoint - The People's Bank of China (PBOC) in Pu'er is leading efforts to enhance the rural credit system, focusing on the creation of credit users, credit villages, and credit townships to address the challenges of obtaining loans for farmers and to support rural revitalization [1][3]. Group 1: Rural Credit System Development - As of the end of 2024, the balance of agricultural loans in Pu'er reached 35.998 billion, with a year-on-year growth of 10.16%, maintaining over 10% growth for two consecutive years [1]. - The balance of credit loans for farmers was 28.963 billion, accounting for 80.45% of the total agricultural loans, indicating a positive trend in farmers' access to credit [1]. - By the end of 2024, the number of recognized credit users reached 346,234, with credit villages and townships increasing by 158% and 445% respectively compared to the end of 2022 [3]. Group 2: Cultural and Institutional Support - Pu'er has a rich cultural heritage with 26 ethnic minorities, which has fostered a unique system of integrity that supports the credit culture [2]. - The PBOC has established 103 township credit evaluation groups and 1,049 village credit evaluation groups to strengthen the rural credit system [3]. - The integration of traditional cultural values into financial literacy programs has been emphasized to enhance the financial knowledge of ethnic minority communities [2]. Group 3: Financial Support for Border Areas - The PBOC has implemented a plan to enhance financial support for border villages, achieving a 99.6% coverage rate for farmer records in these areas by the end of 2024 [4]. - The proportion of credit loan users in border villages reached 96.81%, with the credit loan balance accounting for 87.25% of total agricultural loans, reflecting a significant increase from the previous year [4]. Group 4: Industry-Specific Initiatives - The PBOC is promoting the avocado industry in Menglian County, leveraging the "one county, one industry" strategy to enhance rural credit systems [5][6]. - A new profit-sharing mechanism has been established in the avocado industry, involving farmers, enterprises, and cooperatives, which has led to a significant increase in credit loans for avocado farmers [6]. - By the end of 2024, loans to farmer cooperatives amounted to 22 million, with credit loans to avocado farmers increasing by 140% compared to the end of 2023 [6].

Core Insights - The People's Bank of China (PBOC) in Pu'er is leading efforts to enhance the rural credit system, focusing on the creation of "credit users, credit villages, and credit townships" to address the challenges of obtaining loans for farmers [1][3] Group 1: Rural Credit System Development - As of the end of 2024, the balance of agricultural loans in Pu'er reached 35.998 billion, with a year-on-year growth of 10.16%, maintaining over 10% growth for two consecutive years [1] - The balance of credit loans for farmers was 28.963 billion, accounting for 80.45% of the total agricultural loans, indicating an increasing sense of credit access among farmers [1] - By the end of 2024, the city recognized 346,234 credit users, 647 credit villages, and 60 credit townships, with significant growth rates of 246%, 158%, and 445% respectively compared to the end of 2022 [3] Group 2: Cultural and Institutional Support - Pu'er City has a rich cultural heritage with 26 ethnic minorities, fostering a unique credit culture that supports social stability and unity [2] - The PBOC has established 103 township credit evaluation groups and 1,049 village credit evaluation groups to strengthen the rural credit system [3] - The integration of traditional cultural values into financial literacy programs has been emphasized to enhance the financial understanding of ethnic minority communities [2] Group 3: Financial Support for Border Areas - The PBOC has implemented a plan to enhance financial support for border villages, achieving a 99.6% coverage rate for registered farmers, with 85.46% being credit users [4] - By the end of 2024, the proportion of credit loan users in border villages reached 96.81%, with credit loan balances increasing by 5 percentage points compared to the previous year [4] Group 4: Industry-Specific Financial Initiatives - The PBOC is promoting the avocado industry in Menglian County through a "one county, one industry" strategy, facilitating financial support for agricultural cooperatives [5][6] - A new profit-sharing mechanism has been established, allowing farmers to gain 30% of profits through land shares, while companies and cooperatives share the remaining profits [6] - By the end of 2024, loans amounting to 7.62 billion have been granted to major avocado planting villages, with 5.47 billion utilized, reflecting the success of the credit system in supporting local agriculture [6]