处置区域外村镇银行的"退"，是对监管导向的贯彻落实，更是对资源效能的理性校准。原银保监会"原 则上机构不出县（区）"的要求，并非简单的地域限制，而是为农村金融机构划定了"深耕本土"的责任 边界。 若省级农商银行继续保留区域外的村镇银行，不仅要承担跨区域管理的高成本——从人员派驻到风险监 控，地理阻隔必然导致服务响应滞后；更可能偏离服务"三农"的核心定位，分散对区域内农村市场的资 源投入。此时选择转让股权，引入本地银行作为新主发起行，看似是"放手"，实则是让金融服务与地方 经济"精准对接"。本地银行熟悉当地农户需求、了解产业特色，能快速将信贷资源投向田间地头、小微 企业，避免跨区域机构"水土不服"的尴尬，让农村金融真正扎根于本土土壤。 一边是宁夏回族自治区四家村镇银行启动主发起行变更，一边是主发起行变更后，海南定安合丰村镇银 行继续被省级农商银行持股90%，省级农商银行对村镇银行的"一退一守"，看似是股权调整，实则是农 村金融体系在监管导向与市场需求双重作用下的一次精准重塑。这种差异化处置策略，既破解了跨区域 管理的老难题，更为农村金融回归本源、深耕本土注入了新动能。 从更深维度看，省级农商银行对村镇银行的处置 ...

Financial Support for Rural Revitalization - The Chinese government emphasizes increasing financial investment in rural revitalization to ensure food security, support rural industry development, and promote farmers' income growth [5][6] - A multi-level, comprehensive, and sustainable modern rural financial service system is being established, with recent policies aimed at enhancing financial services for rural reforms [5][6] Financing Support for Specialty Industries - In Gansu Province, the local agricultural bank provided zero-interest loans to farmers, enabling them to cultivate traditional Chinese medicinal herbs, which have become a key income source [6][8] - The cooperative in Gansu has achieved an annual output of 1,200 tons of medicinal herbs, generating approximately 1 billion yuan in total output value, benefiting over 1,800 farmers, with more than 70% being former poverty-stricken households [7][8] Policy-Driven Financial Innovations - In Chongqing, policy-driven financial support has facilitated significant improvements in rural infrastructure, including roads and sewage systems, enhancing the living conditions of villagers [9][10] - The financial backing has allowed for the expansion of projects, such as the construction of parking lots and waste management facilities, which are expected to generate substantial operational income [10][11] Village Credit System and Financial Accessibility - The "whole village credit" model allows farmers to obtain loans without collateral, based on a collective credit assessment, significantly improving access to financing for rural residents [12][13] - This model has led to a high coverage of financial services in villages, with over 400 households in one village benefiting from loans totaling over 7 million yuan [14] Agricultural Innovation Financing - Innovative financial products, such as the "Park Guarantee Loan," enable agricultural enterprises to secure funding based on intellectual property, addressing the challenges faced by research-heavy companies [16][17] - The financial ecosystem in Hainan has evolved to support the agricultural sector, with loans for seed industry-related enterprises reaching 3.024 billion yuan, reflecting a year-on-year growth of 3.35% [18]