江宁片区支行积极与江宁区委区政府沟通对接，成为江宁区"三信"评定工作协调小组成员，同区政府 办、区发改委、区农业农村局、区财政局共同负责统筹全区"三信"评定及结果应用工作。参加江宁区政 府组织的"三信"评定工作启动会，深入领会政府部门对评定工作的整体规划、目标要求及协同机制。第 一时间组织召开行内专项工作部署会，传达政府启动会精神，并结合辖区实际对"三信"评定工作进行细 化安排。 迅速行动，高效落实 江南时报讯 紫金农商银行江宁片区支行积极响应南京市江宁区委区政府工作部署，今年8月以来在江宁 区正式启动信用户、信用村（社区）、信用镇（街道）（以下简称"三信"）评定应用工作，旨在优化农 村信用环境与融资环境，促进农村经济与金融实现良性互动、和谐发展。 为快速推进工作，江宁片区支行主动对接区发改委、区农业农村局等部门，第一时间获取辖区内新型农 业经营主体清单，精准、迅速完成辖内37家营业网点的任务分配。辖内各营业网点积极参加所在街道组 织的"三信"评定工作推进会，为后续工作开展夯实基础。组织辖内工作人员参加"三信"评定培训会，系 统学习"伴宁科创"小程序的数据归集与录入方法，熟练掌握走访、建档及评定全流程规范，全 ...

Core Viewpoint - The recent proposal by the Central Committee emphasizes the acceleration of agricultural modernization and comprehensive rural revitalization, highlighting the critical role of financial support in achieving these goals [1] Financial Support for Rural Revitalization - Financial services for rural revitalization have been strengthened, but there is still a need to optimize existing resources and explore new financial demands, particularly for new industries and entities [2] - The financial support for agricultural technology innovation is crucial for enhancing agricultural productivity and quality, yet the proportion of agricultural technology loans remains low [2] - There are significant gaps in credit support for new agricultural entities, such as cooperatives and family farms, which require tailored financial products and services [2] Competition in Rural Financial Services - The competition in rural financial services is intensifying, with net interest margins declining, necessitating a shift from traditional competition based on interest rates to a more comprehensive service model [3] - Large banks are encouraged to play a leading role in developing integrated financial services for rural projects, while smaller banks should focus on specific niches [3] Product Innovation in Rural Finance - There is a need for innovation in rural financial products, particularly in areas like collateral financing and pension services, which currently lack scalability and sustainability [4][5] - The proportion of medium- and long-term loans in rural finance is low, limiting investment in fixed assets essential for agricultural growth [5] Enhancing Financial Service Capabilities - There is a mismatch between the understanding of rural revitalization policies among financial institutions and the actual needs of rural clients, indicating a need for better training and awareness [6] - The development of inclusive finance should transition from being policy-driven to market-driven, focusing on quality rather than just scale [6][7] Market Dynamics and Trends - The share of inclusive micro-loans from large commercial banks has increased significantly, while that of rural financial institutions has decreased, indicating a shift in market dynamics [7] - The emphasis should be on fostering a self-organizing mechanism within financial institutions to better serve rural revitalization and agricultural development [7]

Core Viewpoint - The article emphasizes the importance of building a strong agricultural nation as a foundation for China's modernization and the role of insurance in supporting rural revitalization and agricultural development [1][2]. Group 1: Importance of Insurance in Rural Revitalization - Insurance serves as a fundamental tool for risk management, providing economic compensation, financial intermediation, and social governance, which are crucial for addressing the high risks associated with agriculture [2][3]. - Since the implementation of agricultural insurance premium subsidy policies, agricultural insurance premiums in China have surged from 846 million to 121.9 billion, with an annual growth rate of 36.3%, making it one of the largest agricultural insurance markets globally [2][3]. - The risk coverage provided by agricultural insurance has increased from 73.3 billion to 5.5 trillion, with an annual growth rate of 30.9% [2][3]. Group 2: Contributions to Agricultural Stability and Income - Agricultural insurance has significantly contributed to food security and industrial revitalization, with over 80% coverage of major crops and increasing compensation for major disasters, thus providing strong support for post-disaster recovery [3][4]. - The expansion and enhancement of agricultural insurance have stabilized and increased farmers' incomes, making it a vital component of agricultural support policies [3][4]. - The establishment of over 400,000 agricultural insurance service points nationwide has improved access to financial services for rural areas, promoting inclusive finance [3][4]. Group 3: Support for Poverty Alleviation and Rural Governance - The insurance industry has provided 3.5 trillion in guarantees to 230 million registered poor households over the past eight years, helping to prevent poverty due to disasters and illnesses [3][4]. - In 2022, agricultural insurance coverage in poverty-stricken areas reached 1.46 trillion, with claims paid amounting to 20.4 billion, effectively consolidating poverty alleviation achievements [3][4]. - Various innovative insurance products have been introduced to enhance rural governance, including social security and food safety insurance [4]. Group 4: Innovation and Development in Agricultural Insurance - The company has been a pioneer in agricultural insurance for 37 years, focusing on enhancing service quality and expanding product offerings to meet the needs of rural revitalization [5][6]. - The company aims to increase the proportion of agricultural insurance business from 20% to 25%, with initiatives including launching 100 specialized agricultural insurance projects annually and investing 1 billion in rural revitalization [6][7]. - The introduction of over 2,700 agricultural insurance product clauses covering more than 220 agricultural products demonstrates the company's commitment to innovation [7][8]. Group 5: Technological Empowerment and Risk Management - The company is implementing a "Digital Agricultural Insurance" project, utilizing advanced technologies such as satellite remote sensing and IoT to enhance service efficiency [8][9]. - A comprehensive disaster prevention and reduction mechanism has been established, with 140 million paid for disaster reduction services in 2022 [9][10]. - The company has developed innovative models like "Insurance Cloud Fish Pond" to provide integrated services for aquaculture, enhancing risk management capabilities [9][10]. Group 6: Financial Support and Poverty Alleviation - The company collaborates with the Ministry of Agriculture to promote "Agricultural Insurance + Credit" projects, providing over 300 million in credit support to insured farmers [10][11]. - Specialized insurance products aimed at poverty alleviation have been developed, providing nearly 5 trillion in risk protection to over 3 million marginally poor households [10][11]. - The company has implemented various financial service models to address the financing difficulties faced by farmers, ensuring effective support for rural development [10][11].

《实施方案》提出完善县乡村金融服务，其中具体提到提升县域金融服务水平，加强监测指导，鼓励开 发贴近当地需求的金融产品，支持中小企业特色产业集群，助力当地产业发展。完善丰富乡村金融服 务，巩固基础金融服务的覆盖面和保障能力，允许金融机构结合当地需求情况优化存量网点。加强农村 普惠金融服务点监管。 ■本报记者李美丽 普惠金融发展迎来新政策。 日前，国家金融监督管理总局、中国人民银行联合发布《银行业保险业普惠金融高质量发展实施方案》 （以下简称《实施方案》）。《实施方案》明确，未来五年基本建成高质量综合普惠金融体系，并提出 16条具体措施。 值得一提的是，《实施方案》对于农村普惠金融发展作出诸多制度安排，如完善县乡村金融服务、加 强"三农"领域信贷供给、加大脱贫地区信贷帮扶力度、推动农业保险持续"扩面、增品、提标"等。 完善县乡村金融服务 农村普惠金融是我国金融体系的重要组成部分，其发展直接关系到农村经济的稳定和可持续发展。受访 业内人士普遍认为，《实施方案》通过系统性部署，引导金融机构加大对农村地区的资源倾斜，确保资 金、服务更精准覆盖"三农"领域，为农村普惠金融发展提供了新机遇。 哈尔滨银行普惠金融部总经理宋述 ...