金融作为支持"三农"发展的重要力量，发挥着重要作用。今年上半年，银行业积极创新金融产品，进一 步加大普惠型涉农贷款投放力度，为乡村振兴注入金融动能。国家金融监督管理总局数据显示，2025年 二季度末，普惠型涉农贷款余额13.9万亿元，较年初增加1.1万亿元。未来，金融机构如何更好地服 务"三农"领域？记者采访了金融机构有关负责人和业内专家。 完善农村信用体系 农村地区数据孤岛现象突出，农户的基本信息、生产、财务、诚信、资产等数据没有实现有效归集，信 用信息采集、评估体系尚未完全建立，金融机构难以利用丰富的数据开展信用评估。推动金融更好地服 务"三农"需要重视堵点，持续推进农村信用体系建设。7月份，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》明确，深入推进农村信用体系建设，提升农村 基础金融服务水平。 "金融机构可借助数字技术搭建开放平台，获得更多维度信息，降低信息不对称，提高金融服务可得性 和覆盖面。"招联首席研究员董希淼说，金融机构应建立资源共享数据库，对信用等级高、资信程度好 的农户优先发放贷款。通过开展信用村、信用乡镇创建活动，逐步扩大个人数据库在农村地区的覆盖范 ...

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].

金融特色产品：用信用点亮万家灯火 为强化信用成果转化效能，中国人民银行兴安盟分行以农业银行兴安分行、邮储银行（601658）兴安盟 分行为试点，推出以"三级信用"评定结果为基础的信用贷款产品——"兴信贷"，对已评定的信用乡、信 用村、信用户提供信贷优惠专属产品。该产品具有程序简、放款快、周期活、利率低的优势。依托"三 级信用"评定结果，"兴信贷"可在40万元（含）以下采用纯信用方式放款，实现全流程线上审批，解决 农村地区小额贷款"手续繁、见贷即担"问题。该产品采用"不见面、全线上"放款操作，一部手机就可实 现线上申请和在线放款，最快5分钟即可放款到账户。"兴信贷"产品授信期限从一般信贷产品的1年延长 至3年，线上最高额度可达100万元，可根据农牧民种植养殖产业周期灵活调整还款期限，解决还款周期 与农牧业生产周期不匹配的矛盾。此外，"兴信贷"利率与"三级信用"评价结果直接挂钩，年利率最低至 3.2%。自2025年推广以来，当地已累计投放4.8万笔，金额69.35亿元。 2025年中央一号文件在"创新乡村振兴投融资机制"方面提出，"深入推进农村信用体系建设，加强涉农 信用信息归集共享"。中国人民银行兴安盟分行积极 ...

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].

做好"诚信"文章工笔绘就信用长"画卷" 普洱市作为云南省少数民族文化富集地，有26个少数民族世居于此，孕育出了独特的诚信文化体系。 如，布朗族"茶祖契约"与拉祜族"卡列卡些"制度，诠释边疆少数民族的淳朴与契约精神。公元10世纪， 布朗族首领帕岩冷立石为盟，定下"茶祖契约"，不争地界，不毁茶林。至今，澜沧县景迈山村民仍遵守 着"采茶不过界，制茶不掺假"的古训，守护着子孙后代取之不尽、用之不竭的古茶林，景迈山古茶林已 创建为"金融诚信建设示范基地"，诚信也成为了景迈山申遗成功以及助推普洱茶产业发展的核心内容。 拉祜族先民最初的社会组织是双系制大家庭公社，随着拉祜族与外界经济文化交往日趋频繁，拉祜族从 公社组织转变为部落组织，产生了"卡列卡些"制度（即村寨头人、长老制度），西盟的拉祜村寨中， 受"卡列卡些"制度影响，至今遵守约定、路不拾遗，形成了猎户民族的集体诚信观。普洱市少数民族诚 信文化形式多样、融入日常，是维护民族团结、社会稳定的重要支撑。 近年来，中国人民银行普洱市分行以少数民族传统节日等为依托，进村寨开展诚信文化宣传，将知 识"送上门、送进家、送到手"，提高少数民族群众的金融素养。 做好"制度"文章筑牢" ...

Core Insights - The report highlights the steady increase in rural residents' disposable income, which reached 11,936 yuan in the first half of 2025, reflecting a real growth of 6.2% after adjusting for price factors, surpassing urban income growth [1] - The transition period for consolidating poverty alleviation achievements and effectively connecting with rural revitalization is crucial, with financial institutions playing a significant role in supporting agricultural development [1] Financial Institutions' Role - Financial institutions are focusing on enhancing agricultural loan disbursement, with Guangxi Pingle Rural Cooperative Bank reporting a balance of 3.565 billion yuan in agricultural loans by June, and having issued 10,727 small credit loans totaling 451 million yuan, covering all towns and administrative villages in Pingle County [2] - The Agricultural Bank emphasizes the importance of maintaining a good growth momentum in county and agricultural loans, prioritizing financing for key areas such as food security and optimizing support policies on a county-by-county basis [12] Industry Development and Support - The report underscores the significance of industrial prosperity as a key aspect of rural revitalization, with financial products like "Business Quick Loan" and "Planting e-Loan" being introduced to support local enterprises and enhance production capacity [4][5] - The establishment of a rural credit system is highlighted as essential for modern rural economic development, with various financial institutions implementing credit value loans and creating credit databases to facilitate access to financing for farmers [6][8][9] Challenges and Future Directions - Key challenges identified include the impact of unpredictable natural risks on agricultural production, the lack of collateral for farmers and small rural enterprises, and insufficient professional talent to meet rural revitalization needs [11] - Financial institutions plan to enhance their agricultural financial service systems, improve service coverage, and leverage technology to streamline loan management processes [11][12]

Core Viewpoint - The financial sector plays a crucial role in supporting the "Three Rural Issues" (agriculture, rural areas, and farmers) during the implementation of the rural revitalization strategy, as highlighted by the recent joint release of the "Implementation Plan for High-Quality Development of Inclusive Finance in the Banking and Insurance Industries" by the National Financial Supervision Administration and the People's Bank of China [1] Financial Support for Food Security - Ensuring stable and safe supply of food and important agricultural products is a primary task for rural revitalization, with financial support being a key focus area [2] - Financial institutions are actively enhancing credit supply for food production, with Agricultural Bank of China’s Shandong branch reporting a loan balance of 26.03 billion yuan in key food areas, an increase of 9.29 billion yuan since the beginning of the year [2] - Jiangsu Financial Regulatory Bureau reported that as of the end of May, the province's inclusive agricultural loans reached 1.26 trillion yuan, with food-related loans at 454.3 billion yuan [3] Policy-Driven Financial Support - Policy-based financial institutions are urged to innovate credit products and increase loan disbursement to support high-standard farmland construction and soil quality improvement [4] - Agricultural Development Bank has allocated a total of 104.69 billion yuan for farmland-related loans by March 2025 to enhance food production capacity [4] Rural Credit System Development - The rural credit system needs improvement to address challenges faced by agricultural producers, such as lack of collateral and credit data [5] - Financial institutions are encouraged to establish resource-sharing databases and promote credit village initiatives to enhance loan accessibility for farmers [5][6] - The creation of "star credit villages" by local banks aims to link credit ratings to loan interest rates, incentivizing better credit behavior among farmers [6] Leveraging Financial Technology - Financial technology is transforming the way banks serve the agricultural sector, with mobile banking and online financing products improving service accessibility [8] - The use of big data and cloud computing allows for automated processing of loan applications, enhancing efficiency in serving remote areas [8][9] - Financial institutions are encouraged to deepen digital financial services and develop targeted digital credit products to meet the specific needs of rural markets [9]

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].