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金融服务农村改革 赋能乡村全面振兴
Jin Rong Shi Bao· 2025-09-29 07:23
当前金融服务农村改革赋能乡村全面振兴面临的主要挑战 乡村振兴战略作为新时代"三农"工作的总抓手,是实现中华民族伟大复兴的重要基石。金融服务作为现 代经济的核心,在推动乡村全面振兴过程中扮演着不可或缺的角色。2025年7月,中国人民银行与农业 农村部联合发布了《关于加强金融服务农村改革 推进乡村全面振兴的意见》,这一文件再次为农村金 融系统改革和服务乡村振兴提供了明确的指引和方向,有助于破解农村金融供给不足的现实瓶颈,引导 更多金融资源流向农村,为乡村全面振兴提供坚实的金融支持。 乡村振兴战略下金融服务农村改革的新定位 (一)从"输血"到"造血":金融服务理念的转变。党的十八大以来,在政策引导和市场推动下,我国农 村金融体系持续完善,基本形成了政策性金融、商业性金融、合作性金融协调发展的多层次格局,实现 了"乡乡有网点、村村通服务"。截至2024年末,全国涉农贷款余额为51.4万亿元,支小再贷款余额为 1.75万亿元,"三农"信贷支持力度不断加大。然而,农村金融往往被定位为"输血式"扶持,即单纯的资 金供给。随着乡村振兴战略的深入推进,这种传统模式已难以满足农业农村高质量发展的需求。当前, 金融服务农村改革应更 ...
烟台银行:精准金融服务助企解难题
Qi Lu Wan Bao Wang· 2025-07-05 09:15
Group 1 - Yantai Bank High-tech Zone Branch issued a loan of 3.9 million yuan to Yantai Pufeng Agricultural Technology Co., Ltd., effectively addressing the company's funding challenges for purchasing fertilizers and seedlings, and laying a solid foundation for expanding planting scale [1][3] - Yantai Pufeng Agricultural Technology Co., Ltd., established in 2021, focuses on planting high-quality grapes without pesticide residues, facing high annual production funding requirements and limitations on expansion due to lack of funds [3] - The grape industry is characterized as labor-intensive and technology-intensive, facing challenges such as high initial investment, long return cycles, and concentrated seasonal funding needs [3] Group 2 - Yantai Bank customizes financial services based on regional characteristics and enterprise needs, actively supporting local agricultural development and enhancing production scale [4] - The bank's efforts aim to transform the planting industry from "quantity growth" to "quality improvement" [4]