基于调研成果，该行指导涡阳农商银行优选村内人气旺、信誉好的商超作为合作点，配备多功能智能终 端，将传统单一的取款服务升级为集取款、缴费、查询、转账等十余项功能于一体的综合服务站点，真 正实现"购物+办事"一站式办妥。商户也从中获益，除业务补贴外，客流增加带动销售额显著增长。"现 在每天人来人往，生意比以前红火多了。我心里高兴，服务更周到！"一位店主高兴地说。 为确保服务点可持续运营，中国人民银行亳州市分行协调推出"笔笔补贴+月度封顶+绩效奖励"组合激 励政策，每笔业务补贴0.5元至1元，月激励上限1500元，有效调动商户积极性。涡阳县涡南镇一家助农 取款点商户喜上眉梢："去年仅补贴就拿了近万元。"该行构建"熟人+科技"双重风控体系，严格准入审 核，利用社保卡"一卡通"人证一致核验，加强日常交易监测和巡查，保障资金安全。目前，全市商超类 助农取款点业务量占比已达90%，有效分流了乡镇网点压力，真正实现了村民、商户、银行的三方共 赢。 清晨的皖北乡村，阳光洒在涡阳县一处村镇超市门前。店主一边整理货架，一边笑着说道："现在咱这 超市不光卖货，还能取现、缴费、领补贴，乡亲们不出村就能办妥金融业务。"这家普通的农村商超 ...

值得关注的是，新型农业经营主体经过多年的培育，已经在现代化农业生产经营中成为不可或缺的 中坚力量，但许多主体获得银行贷款都只能以个人名义，或者在资产抵押的情况下，贷款协议中还要附 带个人无限连带责任，有的甚至要把其家人也设为无限连带责任人。金融机构更多从风控的角度考虑， 但是，这种贷款方式对于经营主体而言，可能会更加谨慎从银行借贷，从而制约了其发展。这就需要， 针对农村金融服务的相关政策有相应的配套支持。也就是说，对于符合条件的新型农业经营主体，信贷 准入及风险管理要求要有一定的容错空间，否则，一方面，银行的信贷资金也很难发放，另一方面，门 槛过高将阻碍经营主体的发展。 近年来，记者采访中发现，针对农业生产经营领域的金融供给与需求不匹配问题仍然较为突出，融 资难问题依然存在。一方面，新型农业经营主体的需求日益多元化，对资金的迫切需求与金融机构相对 固化的准入条件存在不匹配情况；另一方面，大部分经营农业的主体获得贷款仍然主要以经营者个人作 为贷款主体，其企业或合作社均很难作为承贷主体，因此，贷款额度和期限均受到较大限制。同时，近 几年，由于一些农业生产经营主体受到市场波动及同业竞争强度加大的影响，利润空间受到挤 ...

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]

两部门：探索农村承包土地经营权抵押融资模式 支持农村集体经济组织开展集体经营性财产股权质押 贷款 智通财经7月24日电，中国人民银行、农业农村部印发《关于加强金融服务农村改革 推进乡村全面振兴 的意见》，促进新时代文明乡风培育。推动盘活农村资源资产。深入推进农村产权流转交易规范化试 点，推动农村产权流转交易和融资服务平台建设应用。鼓励各地探索建立农业设施和畜禽活体的确权颁 证、价值评估、抵押登记、资产处置等管理制度，发挥动产融资统一登记公示系统作用，推动扩大抵押 融资覆盖面。深化集体林权制度改革金融服务，加大林权抵押贷款和林业经营主体中长期贷款投放。探 索农村承包土地经营权抵押融资模式，支持农村集体经济组织开展集体经营性财产股权质押贷款。 ...

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].

本报记者 陈衍水 又是吃虾好时节！每年春秋两季，对虾的肉质最为爽脆可口，蒜蓉粉丝蒸对虾更是闽南宴席上必不可少 的一道菜，让人大快朵颐。 对虾养殖产业是漳州市龙海区的农业支柱产业之一。当地植被保护较为完善，原始生态优势明显，地表 水资源丰富，具有发展对虾养殖业的先天条件，全区对虾养殖面积已达千万亩。 林文杰是当地对虾养殖专业户，最近想把已有的20亩虾塘扩大至35亩，还想增设育苗池5亩。然而，规 模扩大导致林文杰的资金周转出现困难，农行漳州龙海支行辖内海澄支行网点工作人员主动上门为他设 计融资方案，50万元纯信用"惠农e贷"3天之内就顺利到账。 "增收有盼头了，我可以用这笔款继续扩大规模和购买饲料。"林文杰高兴地对《农村金融时报》记者表 示。 "我们持续创新服务模式，精准对接全区对虾养殖业的资金需求，为养殖户提供便捷、高效的纯信用贷 款服务。"农行漳州龙海支行有关负责人告诉记者。 据介绍，近年来，农行漳州龙海支行为支持农村产业发展、助力农民增收致富，对辖内经营主体进行全 面细致的走访和对接，银行、农担公司、农户三方密切配合，为农户提供定制化金融服务。截至目前， 该支行针对对虾养殖产业累计投放纯信用贷款近8000万 ...