Core Viewpoint - The People's Bank of China, Panjin Branch, is actively enhancing financial services in county areas through a comprehensive framework that emphasizes collaboration, increased credit supply, improved financial management, and public financial literacy, thereby supporting the coordinated development of the county economy and finance [1][2][3][4]. Group 1: Financial Collaboration Framework - The Panjin Branch is establishing a new model of cooperation between grassroots central banks and local governments, creating a collaborative work structure that includes regular communication with banking institutions and local governments [1]. - A joint "County Financial Service Joint Conference System" has been implemented to facilitate information exchange, resource sharing, and cooperation [1]. - The branch has initiated over 30 engagements with local banks to enhance policy promotion and financial services in county areas [1]. Group 2: Credit Supply Enhancement - The Panjin Branch is guiding banks to innovate financial products focusing on key local industries such as rice and river crabs, launching over 30 credit products including "Golden Crab Loan" and "Agricultural Machinery Loan" [2]. - New financing mechanisms have been developed for modern agricultural entities, including collateral loans based on agricultural inventory [2]. - The branch is also promoting green finance initiatives and has introduced various online financial products to increase accessibility [2]. Group 3: Financial Service Optimization - The Panjin Branch is improving the rural financial infrastructure and enhancing the credit system, establishing a model for credit villages and initiating a "whole village credit" project [3]. - The branch has set up 143 rural bank outlets and installed 1,963 ATMs and POS terminals to facilitate financial services [3]. - A comprehensive optimization plan for nine business lines has been introduced to streamline financial service processes [3]. Group 4: Public Financial Literacy Promotion - The Panjin Branch is conducting extensive financial literacy campaigns through various community engagement activities, reaching over 50,000 individuals [4]. - Financial knowledge dissemination is being carried out in rural areas via lectures and promotional videos, focusing on enhancing public understanding of financial services [4]. - The branch has organized over 600 activities related to financial knowledge promotion and legal education in rural areas [4].

完善内部控制机制，业务流程再优化。中国人民银行赤峰市分行通过审计发现机构改革后部分制度不适 用县支行撤销后的工作情况，在一定程度上影响工作的连续性。通过多次审计调查，推动制度"废改 立"，优化县域信贷投放、支付结算、国库管理、征信查询、货币发行等业务流程。通过增加线上办理 渠道、商业银行代理、中国人民银行赤峰市分行工作人员主动下乡上门宣传服务等方式，便利商业银行 和社会公众的业务办理，减少了其业务成本。通过审核把关，在提高服务质量的同时，也保证了相关制 度流程的实用性、时效性、合理性。 畅通金融政策传导，保障县域信贷投放。通过业务流程再造专项审计调查、重大政策落实同级审计，中 国人民银行赤峰市分行创新金融政策传导和宣传方式，深耕县域金融市场，加大对县域信贷资金投入力 度，加强与地方发改、工信、科技、财税、商务、农牧、交通、文旅、工商联以及金融监管部门沟通联 系，形成县域货币信贷政策执行合力。截至2025年3月末，赤峰市非中心城区县域贷款余额1743.05亿 元，比年初新增66.82亿元，较去年同期增长7.32%，高于全市平均贷款增速1.83个百分点。 基于业务流程再造专项审计调查，中国人民银行赤峰市分行结合实 ...