香榧与黄酒，这一山一水孕育的千年产业"双生花"，如今在浙江稠州商业银行（以下简称"稠州银行"） 金融活水的浇灌下绽放新颜。 被称为"千年珍果"的香榧，从幼苗到挂果需要15年，到盛果期需要20年，漫长周期让不少榧农望而却 步。"一亩榧林前期投入上万元，每年管护还要数万元。"宣大伯的账本道出痛点，"很多农户等不到果 树挂果，就被资金压力压垮了。" 作为中国香榧原产地和主产区，赵家镇有3.7万棵百年香榧树、2700棵千年古榧树，3.5万亩种植面积年 产占全国六成以上，是全球重要农业文化遗产地，近万户榧农靠着这棵"摇钱树"生活，可生长周期长、 附加值低、深加工落后等问题一直制约发展。 转机出现在去年春天，稠州银行绍兴分行"香榧金融服务队"翻山越岭，3个月走遍了赵家镇每个村落， 逐户摸底授信。"有时候为了一户榧农的授信，要在山路上徒步两个小时。"该行乡村振兴部负责人告诉 《金融时报》记者。 清晨，浙江省绍兴市赵家镇的万亩榧林还裹着薄雾，65岁的榧农宣大伯已经开始了一天的劳作。"这棵 香榧树是我爷爷的爷爷种下的，已经守护了我们家五代人。"他轻抚着粗糙的树干，眼中闪烁着希望。 30公里外的绍兴，黄酒酿造非遗传承人陈师傅打开 ...

Financial Support for Rural Revitalization - The Chinese government emphasizes increasing financial investment in rural revitalization to ensure food security, support rural industry development, and promote farmers' income growth [5][6] - A multi-level, comprehensive, and sustainable modern rural financial service system is being established, with recent policies aimed at enhancing financial services for rural reforms [5][6] Financing Support for Specialty Industries - In Gansu Province, the local agricultural bank provided zero-interest loans to farmers, enabling them to cultivate traditional Chinese medicinal herbs, which have become a key income source [6][8] - The cooperative in Gansu has achieved an annual output of 1,200 tons of medicinal herbs, generating approximately 1 billion yuan in total output value, benefiting over 1,800 farmers, with more than 70% being former poverty-stricken households [7][8] Policy-Driven Financial Innovations - In Chongqing, policy-driven financial support has facilitated significant improvements in rural infrastructure, including roads and sewage systems, enhancing the living conditions of villagers [9][10] - The financial backing has allowed for the expansion of projects, such as the construction of parking lots and waste management facilities, which are expected to generate substantial operational income [10][11] Village Credit System and Financial Accessibility - The "whole village credit" model allows farmers to obtain loans without collateral, based on a collective credit assessment, significantly improving access to financing for rural residents [12][13] - This model has led to a high coverage of financial services in villages, with over 400 households in one village benefiting from loans totaling over 7 million yuan [14] Agricultural Innovation Financing - Innovative financial products, such as the "Park Guarantee Loan," enable agricultural enterprises to secure funding based on intellectual property, addressing the challenges faced by research-heavy companies [16][17] - The financial ecosystem in Hainan has evolved to support the agricultural sector, with loans for seed industry-related enterprises reaching 3.024 billion yuan, reflecting a year-on-year growth of 3.35% [18]

Core Insights - The article emphasizes the importance of financial support for rural revitalization in China, highlighting various initiatives and innovations in rural finance to enhance agricultural productivity and improve living conditions for farmers [7][11][14]. Financial Support for Rural Development - 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 [7]. - Agricultural Bank of China has significantly increased its loan balance in poverty-stricken areas, reaching over 2.4 trillion yuan in 832 poverty-stricken counties by mid-2023, with a growth of 39.2 billion yuan since the beginning of the year [10]. Case Studies of Financial Innovations - In Gansu Province, the Agricultural Bank provided 5 million yuan in zero-interest loans to farmers for cultivating traditional Chinese medicinal herbs, leading to an annual income increase of over 2.6 million yuan for the village [8][10]. - The "whole village credit" model allows farmers to obtain loans without collateral, based on a credit assessment that considers their income stability and community reputation [14][15]. Infrastructure and Community Development - In Chongqing, financial support has enabled significant improvements in rural infrastructure, including roads and sewage systems, benefiting over 16,000 villagers [12][13]. - The "Garden Guarantee Loan" product allows agricultural enterprises to secure loans against patents, facilitating innovation in the seed industry [18][19]. Agricultural Innovation Financing - The financial ecosystem in Hainan has evolved to support agricultural innovation, with loans for seed-related industries reaching 3.024 billion yuan by the first quarter of 2024, marking a 3.35% increase year-on-year [20].

Group 1 - The core viewpoint emphasizes the importance of financial support for rural revitalization and the establishment of a modern rural financial service system in China [8] - The People's Bank of China and the Ministry of Agriculture and Rural Affairs issued guidelines to enhance financial services for rural reform and promote comprehensive rural revitalization [8] - Agricultural Bank of China has significantly increased loan disbursements to farmers, with a loan balance exceeding 2.4 trillion yuan in 832 poverty-stricken counties as of June 2023 [11] Group 2 - In Gansu Province, the cultivation of traditional Chinese medicinal herbs has become a key industry for poverty alleviation, with over 230 acres planted and annual income exceeding 2.6 million yuan for the village [9][11] - The Agricultural Bank of China provided various loans to support the establishment of a standardized medicinal herb industry, with a total loan amount of 1.6 million yuan from 2018 to 2025 [11] - The bank's financial services have helped over 1,800 farmers increase their income, with more than 70% being former poverty-stricken households [11] Group 3 - In Chongqing, financial support has enabled significant improvements in rural infrastructure, including roads and sewage systems, benefiting 16,000 villagers [12][13] - The National Development Bank provided a long-term credit of 220 million yuan for rural construction projects, enhancing the financial sustainability of these initiatives [13][14] Group 4 - The Agricultural Bank of China has implemented a "whole village credit" model, allowing farmers to obtain loans based on their credit profiles without collateral, significantly increasing access to financing [15][16] - Over 400 households in Meirong Village have benefited from this model, with a loan balance exceeding 7 million yuan [16][17] Group 5 - In Hainan, innovative financial products like the "Park Guarantee Loan" allow agricultural enterprises to secure funding based on patent value, facilitating access to capital for research and development [18][19] - The loan balance for breeding-related industries in Sanya reached 3.024 billion yuan by the first quarter of 2024, reflecting a year-on-year growth of 3.35% [20]

Core Viewpoint - The article discusses the launch of the "Doulaiju" platform in Zhuhai's Doumen District, aimed at revitalizing idle rural houses and promoting rural development through innovative mechanisms and financial support [5][12]. Group 1: Revitalization of Idle Rural Houses - Doumen District has successfully revitalized 583 idle rural houses, generating an income of 404.28 million yuan for villagers and 74.3 million yuan for village collectives [6][12]. - The "Doulaiju" online platform serves as a communication bridge for social capital to participate in rural construction, enhancing the revitalization of "sleeping assets" [5][12]. Group 2: Service Framework - A "1+5+N" three-tier service system has been established, with a district-level platform for overall planning, five town-level centers for market engagement, and numerous village-level service points for local needs [7][8]. - The system allows for tailored revitalization paths based on local resources, creating unique models for each town, such as customized housing for corporate executives and rural tourism initiatives [7][8]. Group 3: Financial Support - The "Whole Village Credit" financial product has been introduced, allowing for simplified loan processes and a total loan balance of 2.431 billion yuan across 101 administrative villages [9][10]. - This financial innovation aims to address funding challenges and facilitate the revitalization of idle rural houses [9][10]. Group 4: Digital Platform Features - The "Doulaiju" platform showcases over 300 idle rural houses, enabling users to filter options based on various criteria and facilitating online transactions [11][12]. - The platform includes features for real-time policy updates and a streamlined process for viewing and renting properties, enhancing transaction efficiency [11][12].

Core Insights - The launch of the "Doulaiju" digital platform marks a significant step in transforming idle rural housing into new momentum for rural revitalization in Doumen District, Zhuhai [1] Group 1: Service System and Policy Framework - Doumen District has established a "1+5+N" three-tier service system, which includes one district-level operation platform, five town-level management centers, and 81 village-level service stations to efficiently integrate and utilize idle rural housing resources [2] - A comprehensive regulatory framework has been implemented, including the "Implementation Plan for the Activation and Utilization of Idle Rural Housing," with 15 policy documents to standardize the activation process from qualification review to usage supervision [2] - As of now, 583 idle houses have been activated through rental, cooperation, and equity participation, generating an income of 4.0428 million yuan for villagers and 743,000 yuan for village collectives [2] Group 2: Innovative Models and Financial Support - Doumen District is developing unique models for each town based on local resources, such as transforming idle houses into talent housing, developing homestays, and creating study rooms, with 105 homestays and 111 talent houses established [3] - The financial service center has introduced a "whole village credit" product, achieving full coverage of 101 administrative villages, simplifying loan procedures for farmers, and accumulating a loan balance of 2.431 billion yuan [3] - Future plans include enhancing collaboration with agriculture, rural affairs, and cultural tourism departments to develop credit products that match activation projects [3] Group 3: Digital Platform Functionality - The "Doulaiju" platform utilizes digital tools for the online and precise circulation of idle rural housing, featuring over 300 quality houses, online signing, and real-time policy updates [4] - A three-tier review mechanism ensures the authenticity of housing sources, allowing tenants to easily schedule viewings and sign contracts online, significantly improving transaction efficiency [4] - The platform successfully facilitated its first transaction, leasing a 293-square-meter idle house for approximately 1,325 yuan per month for educational purposes [4]