过去，时常会出现这样的情况：一边是银行面临"有钱投不出"的困境，另一边是家庭作坊式小厂和 个体经营户"等米下锅"的焦灼。抵押物不足、财务报表不规范、信息不透明、抗风险能力弱等问题，像 一道又一道无形的墙，截断了这些急需融资的市场主体获取支持的道路，也形成了一些对银行总是"晴 天打伞、雨天收伞"的抱怨。 然而，我们欣喜地看到，这样的情况正在逐步改变。在金融管理部门和金融机构的不懈努力下，金 融"看懂"了更多产业，也"看到"了更多小微市场主体的价值。这不仅仅是技术和操作层面的限制放宽， 更是一场经营理念的重塑。信贷资金也不再是只存在于报表中的冰冷数字，而是激活了一个又一个产业 的温暖力量。 金融支持县域特色产业，支持的不仅是让这些产业现在能够发展，而且是让产业未来能够发展得更 好。普惠金融，既要普，又要惠，要让资金能流到产业的"根须"处，要滋养那些最具活力的创新与传 承。只有如此，才能够让普惠金融的价值真正落地。 《建议》为"十五五"时期的发展指明了方向。我们期待看到，一个更接地气、更懂产业、更贴民心 的金融体系，与县域乡村共同生长。 责任编辑：韩胜杰 随着网络的逐渐发达，信息的互联互通已不再是难事。在使用智能设 ...

Core Insights - The county economy in China has shown continuous growth, with GDP increasing from 31.6 trillion yuan in 2015 to 48.3 trillion yuan in 2023, indicating an optimized economic structure with secondary industry value added reaching 40% [1] - There is a need to leverage local resources and develop distinctive industries to drive county economic development [1] Group 1: Economic Growth and Structure - The scale of county economies in China has been expanding, with a significant increase in GDP over the past eight years [1] - The economic structure has become more optimized, forming a dual-driven model of secondary and tertiary industries [1] Group 2: Industry Development Strategies - It is essential to coordinate resource elements and scientifically plan the layout to cultivate and implement characteristic industry projects effectively [2] - The integration of innovation and characteristic development is crucial, with a focus on enhancing technological capabilities and accelerating project construction [2] Group 3: Collaborative Industry Growth - The prosperity of county characteristic industries relies on collaborative efforts across the entire industry chain, as demonstrated by Ningde City’s focus on rural characteristic industries [2] - Developing leading enterprises in characteristic industries is necessary for county economic growth, with examples like Chongqing's initiative to cultivate a billion-level ecological characteristic industry [2] Group 4: Digital Transformation - Digital technology plays a significant role in county industries, with the establishment of digital platforms to enhance data flow across the entire production chain [3] - The use of digital technology, such as the "digital greenhouse" system in Shouguang, has led to over a 30% increase in vegetable yield, showcasing the potential for digital upgrades in the industry [3]