Core Insights - The transformation of Youxiqiao Village from a poverty-stricken area to a thriving community is attributed to the persistent efforts of villagers and the targeted financial support from Agricultural Bank of China (ABC) [1] - ABC's innovative integration of "virtue points" with financial services has provided a unique approach to rural governance and revitalization [2] Group 1: Financial Innovation and Rural Governance - Youxiqiao Village has implemented a "points system" that quantifies villagers' behaviors in law compliance, environmental hygiene, and public service into "virtue points," creating an effective self-governance framework [2] - ABC has launched specialized products like "He Mei Rural Construction Points Loan," using virtue points as a key reference for credit approval, interest rate discounts, and credit limits [2] - The integration of virtue points into financial services has fostered a positive cycle where moral values are transformed into financial assets, enhancing villagers' participation in governance and addressing the lack of collateral for loans [2] Group 2: Financial Support and Development Outcomes - ABC has provided over 30 million yuan in various credit supports to Youxiqiao Village, with 13 million yuan allocated specifically to the "He Mei Rural Construction Points Loan" [3] - The financial backing has significantly boosted local industries such as rice-fish farming, fruit forests, and leisure tourism, leading to the village receiving multiple national honors for its revitalization efforts [3] Group 3: Expansion of Successful Models - The successful model from Youxiqiao Village is being replicated in Langtang Town, focusing on the thriving sanitary ceramics industry by integrating the "points system" with local party-building initiatives [4] - ABC has established a strategic partnership with the local government to enhance credit ratings and support industry development, resulting in 132 million yuan in loans to local farmers [4] - The ongoing development of the "points + finance" model aims to facilitate easier access to financial support for trustworthy farmers and new agricultural entities, positioning ABC as a key accelerator in rural revitalization [4]

白鹤镇是农业大镇，背靠长三角、面向大虹桥、地处"青浦北大门"，因其特殊的地理位置与发展环境， 呈现出新老社区交织、人口流动频繁、社会结构复杂等特点。如何进一步提升乡村治理的科学化、精细 化、智能化水平，激发村民自治热情，成为一道亟待解决的现实课题。 上海农商银行与白鹤镇政府顺应基层治理数字化转型趋势，共同打造"白鹤镇乡村治理积分管理系统"， 于2024年11月15日正式启用。通过该系统，白鹤镇村民的文明行为、志愿服务、环境保护等积极行动将 转化为可量化的信用资产，上海农商银行将基于积分数据向村民提供专属理财产品、存款差异化利率、 贷款等金融服务，为乡村治理注入金融力量。不仅如此，该行还在探索利用这些可量化的信用资产实 现"整村授信"，让信用成为乡村发展的"绿色通行证"。 "去年台风过后，白鹤镇曙光村不少房屋受损。村里两户村民原本矛盾较深，在积分制的激励下，共同 对倒塌在两户房屋中间的一棵大树进行搬移，合力将受损房屋进行修缮，两家人的关系因此发生了质的 变化。"上海青浦区白鹤镇村民衣先生感慨道。自白鹤镇推广积分制以来，村民自觉遵守行为规范，积 极参与公共事务，村容村貌得到改善，邻里关系更加和睦，社会风气也变得更 ...