为深入贯彻落实党的二十大和二十届二中、三中全会精神，落实中央一号文件部署要求，学习运 用"千万工程"经验，推动金融系统增强改革思维、用好改革办法，完善农村金融服务体系，提升金融资 源配置效能，推进乡村全面振兴，近日，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》（以下简称《意见》）。 《意见》提出，要加大乡村振兴重点领域的金融资源投入。一是增强粮食安全金融保障，加大对粮 食主产区、产粮大县信贷资源倾斜，深化高标准农田和农田水利建设金融服务，加强农业新质生产力发 展金融供给。二是持续巩固拓展金融帮扶成果，继续落实差异化金融支持政策，保持脱贫地区信贷投放 力度不减。持续提升定点帮扶质效，优化联农带农金融支持模式，积极谋划过渡期后的金融帮扶机制。 三是深化乡村富民产业金融服务，拓宽抵押担保方式，创新乡村"土特产"融资模式和专属金融产品，推 广"一链一策"金融服务模式，丰富债券、理财等金融产品供给，支持拓宽农民增收渠道。四是提升乡村 建设金融服务水平，通过投贷联动、组建银团、项目打捆打包等方式，提供多元化融资方案，支持基础 设施和公共服务向乡村延伸覆盖。因地制宜提供债券融资、股 ...

Core Viewpoint - The establishment of three provincial rural financial institutions in China marks significant progress in rural financial reform, focusing on supporting agriculture and small enterprises, which is essential for local economic development [1][2][4]. Group 1: Establishment and Purpose of Institutions - The opening of Henan Rural Commercial Bank, Jiangsu Rural Commercial Union Bank, and Jiangxi Rural Commercial Union Bank signifies a solid step in rural financial reform [1]. - These institutions aim to enhance financial services for "three rural issues" (agriculture, rural areas, and farmers) and small enterprises, which is their fundamental mission [1][2]. - The leadership of these banks emphasizes a commitment to serving local markets and supporting rural revitalization and small business financing [1][2]. Group 2: Risk Management and Financial Stability - Risk prevention is a core mission for the newly established banks, with a focus on improving financial innovation, management capabilities, and risk control [3][4]. - The establishment of these banks is expected to help mitigate risks within the rural financial system and maintain local financial stability [4][5]. - Strategies suggested for effective risk management include merging local financial institutions, attracting quality strategic investors, and enhancing governance structures [5]. Group 3: Future Directions and Innovations - The reform of rural financial institutions is transitioning from decentralized operations to a model of provincial coordination and county-level deep cultivation [5]. - Future success will depend on balancing support for the real economy with risk prevention, with the new institutions playing a crucial role in this process [5].