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 ...

转自：新华财经 编辑：赵鼎 近日，邮储银行青岛分行凭借青岛市农村产权流转交易平台出具的交易鉴证书，为即墨区杨家村某市场 租赁方成功发放25万元贷款。该笔贷款是青岛市首笔"交易鉴证贷"业务，为破解农村经营主体融资难 题、为乡村振兴注入金融活水提供了有力支撑。 为确保"交易鉴证贷"高效落地，邮储银行青岛分行建立了专属服务流程。在风险把控方面，该行依托青 岛市农村产权流转交易平台对农村产权交易主体进场规范交易开展合规性鉴证，为贷款项目筑牢信用基 础；在审批放款方面，结合农村产权流转金额及经营主体实际融资需求，大幅简化审批环节、压缩办理 时限，实现了金融服务与产权交易的无缝衔接，让经营主体享受到"便捷、高效、低成本"的金融服务。 下一步，邮储银行青岛分行将持续深化与青岛市农村产权流转交易平台的合作，不断延伸金融服务链 条，积极探索构建"产权交易+交易鉴证+融资担保"于一体的综合服务体系。同时，加大产品迭代和服 务创新力度，推动更多适配农村产权场景的金融产品落地，让金融活水更精准、更高效地流入农业农村 领域，为青岛市构建多元化农村金融服务体系、全面推进乡村振兴贡献更多力量。（蒋芳） 作为深耕"三农"金融服务的主力军，邮 ...

Core Insights - The "Supermarket+" model initiated by the People's Bank of China in Bozhou has transformed rural supermarkets into financial service hubs, allowing villagers to conduct various financial transactions without leaving their villages [1][2] - The model addresses key issues in rural financial services, such as insufficient service radius and the inconvenience for elderly users, by providing a comprehensive service platform that includes cash withdrawal, payment, and transfer services [2][3] Group 1 - The People's Bank of China in Bozhou has implemented the "Supermarket+" model to enhance financial services in rural areas, focusing on high-traffic and reputable supermarkets as service points [2] - The model has led to a significant increase in business for participating merchants, with daily customer traffic and sales volume rising substantially [2] - A combination of incentive policies, including business subsidies and performance rewards, has been established to ensure the sustainable operation of these service points, with individual business subsidies ranging from 0.5 to 1 yuan and a monthly cap of 1500 yuan [2] Group 2 - The promotion of the "Supermarket+" model has improved access to financial services for villagers, particularly during agricultural subsidy distribution periods, ensuring that funds reach farmers effectively [3] - The model has successfully enhanced the rural financial service network, with a reported 779% year-on-year increase in transaction volume at agricultural withdrawal points in Bozhou by mid-2025, and a 13-fold increase in transaction volume in the city of Eyang [3] - The share of transaction volume from supermarket-based agricultural withdrawal points has risen from 16% to 100% among the top 50 points in Bozhou, indicating a significant shift in service delivery [3]

Core Insights - The primary task of rural revitalization is industrial revitalization, which relies on improving agricultural production efficiency and fostering new agricultural business entities [1] - Financial support is essential for enhancing agricultural production and ensuring stable income for farmers, but there is a mismatch between financial supply and demand in the agricultural sector [1][2] - The increasing complexity of agricultural operations necessitates tailored financial services that align with the evolving needs of agricultural producers [2][4] Financial Supply and Demand - There is a significant mismatch between the diverse funding needs of new agricultural business entities and the rigid lending criteria of financial institutions [1][3] - Many agricultural operators still rely on personal loans rather than corporate or cooperative loans, limiting their borrowing capacity and terms [1][3] - The profitability of agricultural entities has been pressured by market fluctuations, leading to a more urgent need for funding, while financial institutions have become more cautious in lending [1][3] Agricultural Production Adaptation - Agricultural production is increasingly adapting to market demands through intensification, order-based models, and technological integration, which require substantial financial investment [2][4] - The return on investment for agricultural improvements often has a long payback period, creating a mismatch with the short-term lending practices of financial institutions [2] Financial Institution Challenges - Intense competition among county-level financial institutions has led to reduced profit margins and a focus on cost-cutting measures, impacting service delivery [3] - Despite advancements in digital technology, there remains a need for on-the-ground financial services to meet the demands of agricultural producers [3] - New agricultural business entities face challenges in securing loans due to stringent risk management practices, which may hinder their growth [3] Opportunities for Financial Innovation - Financial institutions should focus on identifying "incremental" opportunities rather than competing for existing market share, especially as agricultural entities innovate and expand [4] - There is a need for financial products that are customized to meet the specific funding requirements of agricultural producers, particularly those exploring new markets and technologies [4] - Enhancing service capabilities and developing tailored financial solutions will be crucial for supporting the modernization of agriculture and enabling comprehensive rural revitalization [4]

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 People's Bank of China and the Ministry of Agriculture and Rural Affairs have jointly issued guidelines to enhance financial services in rural areas, aiming to promote comprehensive rural revitalization [1] Group 1: Financial Service Enhancement - The guidelines propose to improve the level of basic financial services in rural areas [1] - There will be an optimization of the layout of rural financial outlets and regular financial literacy promotion activities to enhance the financial literacy of rural residents [1] - Measures will be taken to strengthen the prevention of telecom network fraud, combat illegal fundraising, and promote anti-counterfeit currency awareness to protect the financial consumer rights in rural areas [1] Group 2: Credit System and Information Sharing - The guidelines emphasize the deepening of the rural credit system construction and the strengthening of agricultural credit information collection and sharing [1] - There will be an expansion of the application scenarios for the national small and micro-enterprise funding flow credit information sharing platform [1] Group 3: Payment Services and National Debt - The guidelines aim to optimize services for farmers' withdrawals and enhance the application of emerging payment methods such as mobile payments, guiding mobile payment penetration into rural areas [1] - There is an active push for national debt to reach rural areas, with a focus on continuously improving the convenience of purchasing savings bonds in rural regions [1]

Core Viewpoint - The People's Bank of China and the Ministry of Agriculture and Rural Affairs have issued guidelines to enhance financial services for rural reforms and promote comprehensive rural revitalization, focusing on the utilization of rural resources and assets [1] Group 1: Financial Services and Support - The guidelines aim to promote the revitalization of rural resources and assets, encouraging the establishment of standardized rural property transfer and transaction platforms [1] - There is an emphasis on exploring the mortgage financing model for contracted rural land management rights to support collective economic organizations in pledging collective operational assets for loans [1] - The initiative includes deepening financial services related to collective forest rights reform, increasing the provision of forest rights mortgage loans and medium to long-term loans for forestry management entities [1] Group 2: Asset Management and Financing - The guidelines encourage localities to establish management systems for the certification, valuation, mortgage registration, and disposal of agricultural facilities and livestock [1] - The aim is to expand the coverage of mortgage financing by leveraging a unified registration and public announcement system for movable property financing [1] - The focus is on enhancing the financial support for rural collective economic organizations through innovative financing methods [1]

Core Viewpoint - Jiangsu Bank has received approval to acquire Jiangsu Danyang Su Yin Village Bank, which will enhance its market presence and improve financial services for small and micro enterprises in the region [1][6]. Group 1: Acquisition Details - Jiangsu Bank will fully take over all assets, liabilities, business operations, and employees of Jiangsu Danyang Su Yin Village Bank, ensuring continuity of service for existing customers [2][4]. - The acquisition includes the establishment of new branches in Danyang, which will allow Jiangsu Bank to better serve local industries and small businesses [5][7]. Group 2: Strategic Implications - The acquisition is part of a broader trend of urban commercial banks acquiring village banks, aimed at optimizing regional financial resource allocation and enhancing competitiveness in rural markets [8]. - Jiangsu Bank aims to leverage its established management systems and financial resources to reduce operational costs and improve efficiency by integrating the village bank into its structure [5][6]. Group 3: Market Context - The acquisition reflects a significant trend in the banking industry, with over 75 village banks being absorbed or merged in 2024, indicating a push for structural optimization and risk management in the banking sector [8]. - The integration of village banks into larger commercial banks is expected to enhance service quality and efficiency, while also stabilizing the rural financial system [9].

Core Insights - The shrimp farming industry is a key agricultural pillar in Longhai District, Zhangzhou City, benefiting from favorable ecological conditions and abundant water resources [1][2] - Agricultural Bank of China (ABC) Longhai branch has actively supported local shrimp farmers by providing tailored financial services, including a significant amount of pure credit loans [2] Group 1: Industry Overview - The shrimp farming area in Longhai District has reached 10 million mu, indicating a robust development potential for the industry [1] - The local ecosystem and water resources provide a strong foundation for the growth of shrimp farming [1] Group 2: Financial Support - ABC Longhai branch has issued nearly 80 million yuan in pure credit loans to support 210 shrimp farmers, demonstrating a commitment to rural economic development [2] - The bank's proactive approach includes customized financial solutions to meet the specific needs of shrimp farmers, enhancing their operational capabilities [2]