Core Insights - The Postal Savings Bank of China (PSBC) has been deeply involved in the agricultural sector in Jian San Jiang for 17 years, witnessing the transition from a single agricultural production model to a diversified and modern agricultural industry [2] - The bank has provided over 10 billion yuan in agricultural loans, helping farmers expand production and upgrade agricultural technology [2] - The bank's innovative loan products, such as "Express Loan," have significantly improved service efficiency and customer experience for farmers [3] Group 1: Agricultural Development - Jian San Jiang is recognized as "China's Green Rice Capital," with 11.41 million mu of cultivated land and a leading position in agricultural mechanization and grain commercialization [1] - The area has 15 large and medium-sized state-owned farms, making it a key demonstration zone for modern agriculture in China [1] - The local agricultural sector is expected to see a bumper harvest this year due to favorable weather conditions, with farmers anticipating high yields [1] Group 2: Financial Services - The PSBC Jian San Jiang branch has achieved a personal operating loan balance of 2.273 billion yuan, with a net increase of 776 million yuan this year, becoming the first primary branch in Heilongjiang Province to surpass 2 billion yuan in personal operating loans [1] - The bank's "Express Loan" product allows farmers to access credit quickly, with one farmer receiving a credit line of 900,000 yuan before the planting season [1][3] - The bank's proactive credit granting model has resulted in a loan issuance of 2.345 billion yuan, leading the local state-owned banks in loan volume [3]

Core Insights - The article highlights the development of the sheep industry in Shuozhou, Shanxi, leveraging local natural resources and financial support from Postal Savings Bank to enhance production and economic benefits [1][2]. Group 1: Industry Development - Shuozhou is recognized as a significant high-quality meat sheep production area and a key supplier of livestock products for the Beijing-Tianjin region [1]. - The local sheep industry has seen substantial growth, with 95% of villagers in Nanxiaozhai engaged in sheep farming, resulting in over 80,000 sheep and an annual output of more than 150,000 sheep, generating an annual output value of 30 million yuan [2]. Group 2: Financial Support and Products - Postal Savings Bank Shuozhou Branch has introduced innovative credit products, such as entrepreneurial guarantee loans and meat sheep breeding industry chain loans, to alleviate funding shortages for farmers and support their expansion plans [2][3]. - In 2024, the bank has disbursed a total of 230 million yuan in loans to local sheep farmers, distributors, and catering businesses, demonstrating a strong commitment to the sheep industry [3]. Group 3: Collaboration and Market Research - The bank has conducted market research in key breeding villages to understand the financial needs of stable and reputable breeding farms, providing loans to 126 farms and over 600 farmers [2]. - A collaborative effort between the bank, local government, and village committees has been established to address financing challenges in the sheep industry, enhancing the overall development of the industry chain [2][3]. Group 4: Loan Processing Efficiency - The bank has optimized the loan approval process for the sheep industry, focusing on efficiency and convenience for clients, which includes simplifying application procedures and leveraging online services [3].

Core Viewpoint - The company is actively enhancing agricultural insurance services during the critical "Three Summer" period to ensure food security and support farmers' income through comprehensive risk management and innovative technology [1][3][6]. Group 1: Agricultural Insurance Services - The company is shifting its agricultural insurance model from "post-disaster compensation" to a full-chain service model that includes "prevention, intervention, and post-disaster claims" to safeguard summer grain production [1]. - As of now, the company has provided risk coverage of 1.915 billion yuan for 221,403 households and 2.016 million acres of wheat [1]. - In Jiangsu, the company has collaborated with local fire departments to conduct safety awareness campaigns to prevent fire risks in wheat fields, enhancing farmers' risk prevention awareness [3]. Group 2: Technological Empowerment - The company is utilizing the "Yunzhibao" platform and drone inspections to ensure precise underwriting and claims processes, thereby enhancing food security and farmers' income [3][4]. - Advanced technologies such as satellite remote sensing, high-precision aerial photography, and IoT sensors are being employed to monitor crop growth and assess risks accurately [4]. - In Hebei, the company has completed over 1,800 inspections of disaster-affected wheat fields, utilizing drones for more than 120 households [4]. Group 3: Community Engagement and Support - The company's staff, including party members, are actively engaging with farmers to address practical issues during the summer harvest, contributing to the overall agricultural productivity [6]. - In collaboration with local agricultural and meteorological departments, the company is facilitating information sharing and resource coordination to assist farmers in harvesting wheat [6]. - The company is committed to maintaining its focus on serving the agricultural sector, ensuring that support reaches farmers effectively [6].

Group 1 - The article highlights the significant role of local credit cooperatives in supporting agricultural and livestock development in the Fuhai County of Xinjiang, particularly through loans and financial services [1][2] - Martinbek Reyimu, a local farmer, expanded his planting area from 80 acres to 2,100 acres with the help of a loan from the Fuhai County Agricultural Credit Cooperative, which increased from 100,000 yuan to 1 million yuan [1] - The Fuhai County Agricultural Credit Cooperative has issued a total of 496 million yuan in spring farming loans, an increase of 94 million yuan or 23.38% compared to the same period last year, exceeding their planned target by 124% [2] Group 2 - The article describes the peak lambing season for camels from March to May, during which local livestock farmer Jeken Shaliti has developed a unique camel breeding operation with a current stock of 150 camels [2] - Jeken Shaliti utilized a credit loan of 300,000 yuan from the Fuhai County Agricultural Credit Cooperative to expand his breeding operation, highlighting the cooperative's role in providing accessible financial support [2] - The cooperative's efforts are part of a broader initiative to support rural revitalization and enhance agricultural productivity in the region [2]

Group 1 - Jiujiang Bank Pingxiang Branch has provided a total of 582 million yuan in loans for seed production and planting industries, serving 91 farmers and enterprises, demonstrating its commitment to supporting agriculture [1] - The bank's customer manager facilitated a 200,000 yuan "Easy Guarantee Loan - Operating Loan" for a large-scale farmer during the busy spring farming season, showcasing the bank's proactive service approach [1] - The branch has established a "Spring Farming Service Team" to provide on-site financial services, utilizing mobile terminals for "on-site application and instant approval" to meet the urgent needs of farmers [1] Group 2 - Jiujiang Bank actively supports the transformation and upgrading of the seed industry, providing 240 million yuan in project loans to Changsheng Holding Group for the construction of a modern seed industry base [2] - The project will cover an area of 215,000 square meters and include a modern seed industry research and development base, leisure tourism base, and supporting infrastructure, promoting collaboration in the seed industry [2] - The bank's efforts contribute to ensuring national food security and advancing agricultural modernization, reinforcing its mission to serve agriculture [2] Group 3 - Pingxiang has become a significant hub for hybrid rice seed production, with an average annual seed production area exceeding 300,000 acres and contributing nearly 20% of the national seed supply [4] - The city holds 85% of the national southern hybrid rice seed production area, highlighting its critical role in China's agricultural landscape [4]

Core Insights - The company focuses on supporting agriculture and rural areas, ensuring sufficient fuel supply during the spring plowing season, and has established a robust service network to facilitate this goal [1][2][4]. Group 1: Service Initiatives - The company has formed a spring supply working group to ensure timely fuel delivery, achieving an average daily supply of 16,000 tons of diesel, with a peak of 18,000 tons, setting historical records [1]. - A "last mile" delivery service called "CNOOC Delivery" has been implemented to assist farmers, with 248 delivery vehicles arranged to ensure timely fuel supply [3]. - The company has opened 312 "green channels" for agricultural fuel, providing appointment services to minimize waiting times for farmers [4]. Group 2: Customer Engagement and Support - The company has developed differentiated policies based on market conditions, conducting price adjustments at key points to benefit farmers [2]. - A comprehensive customer management strategy has been established, covering 9,312 villages and reaching 1.27 million people, with over 300,000 agricultural customer profiles created [2]. - The company has enhanced its service offerings by providing free amenities at fuel stations, such as hot water and simple meals, to support farmers during the busy season [4]. Group 3: Resource Management and Efficiency - The company has proactively organized diesel supply for the spring season, coordinating with various refineries to ensure adequate resources [5]. - From March 20 to 24, the total fuel delivery exceeded 100,000 tons, with 80,000 tons of zero diesel, achieving a daily delivery peak of 27,000 tons [5]. - The company has implemented a 24-hour supply system and adjusted transportation logistics to enhance operational efficiency [5].

农业银行总行 审计局 也直接向董事会报告，同时也有着向监事会以及行长报告的第二汇报路 线。此外，为保持独立性，农业银行还设立了10个审计分局，而农业银行有37家一级分行，因此审 计分局的设计并不与分行保持一致，以体现与分行的独立性。 本文系原创，纯属个人观点，仅供学习交流， 不构成投资推荐 。若有出入，请咨询专业机构并查询相关法律法规及监管部门意 见，本人不承担任何责任。 附农业银行总行组织架构和内设部门图如下： 文章来源：投资风险官；作者：望星者 截至2023年末，中国农业银行总行内设40个部门（与 建设银行 的40个和 工商银行 的42个差不 多）。 END 农业银行总行部门名称和设置充分体现了 其服务"三农"的特征 。一方面是涉农部门明显多于建行 和工行，如有着 乡村振兴金融部/三农政策与业务创新部/三农及普惠金融事业部管理委员会办公室 、 农户金融部 、 三农对公业务部 等部门；另一方面 许多部门名称同时挂着 "三农及普惠" 的牌子。如 人力资源部还挂着" 三农与普惠金融人力资源管理中心 "的牌子等等。 欢迎关注 请 关注 上方公众号，欢迎" 分享 "" 收藏 "" 点赞 " ...