结束在广西的调研，驱车离开层峦叠嶂的喀斯特山区，那些生动的面孔、鲜活的场景和充满韧性的 故事，依然在脑海中盘旋。此行与其说是一次采访，不如说是对金融与乡土中国关系的重新发现与深刻 体悟。 金融，可以是一张"安全网"。在天等县宁干乡永乐村那马屯，记者见到了村民黄选称。一场大病曾 让这个家庭濒临困境，但"防贫保"的赔付，加上基本医保、大病保险，最终将26万多元的医疗费自付部 分降至3万多元。他没有讲述太多苦难，更多的是对政策托底的感激。那一刻，记者深刻感受到，金融 产品设计的精妙与人情关怀可以如此统一。那些精算模型下的起付线、分段赔付比例，最终化为了一个 家庭免于返贫的坚实屏障。在这里，金融不再是冷冰冰的数字和合约，而是守护民生底线的温暖力量。 金融支持乡村全面振兴，不仅仅是增加信贷投放、开发几个产品那么简单。它需要金融机构俯下身 子，真正理解农业的季节性、农村的复杂性、农民的真实需求；它需要跨行业的协作，银行、保险、担 保、科技公司各展所长；它更需要与地方政府同频共振，融入地方发展规划，形成政策合力。 金融，可以是一把"金钥匙"。在宏秀牧业的牛舍，看着技术人员用手机为牛"刷脸"，几分钟完成投 保或理赔验标，记者 ...

中国人民银行黑龙江省分行深入贯彻落实习近平总书记视察黑龙江省期间的重要讲话和重要指示精神， 牢记"中国粮食、中国饭碗"殷切嘱托，坚持以做好"三农"金融服务为头等大事。2023年以来，以创建金 融支持乡村振兴先行先试样板区为引领，推动全省金融机构探索出一套符合现代化大农业发展特点的龙 江经验。全省涉农贷款由2023年初的9296.1亿元，提升至2025年11月末的10294.3亿元。截至11月末，全 省农户贷款余额2375.6亿元，同比增长11.6%，比年初增加245.3亿元；农业贷款余额2631.9亿元，同比 增长11.0%，比年初增加235.1亿元；农村贷款余额5455.4亿元，同比增长7.4%，比年初增加266.5亿元。 金融助力黑龙江省粮食实现"二十二连丰"，今年粮食总产量达到1640亿斤，连续16年位居全国第一。 一、加强联动协同，深化顶层设计，构建金融服务乡村振兴全方位政策支持体系 中国人民银行黑龙江省分行坚持把金融服务乡村振兴摆在突出位置，强化组织领导和顶层推动，系统谋 划、整体协同，为全省农业农村现代化注入强劲金融动能。一是党委高度重视，专班推进落实。分行党 委坚决扛起政治责任，将服务乡村振兴列 ...

"现在从签样到化验都是全自动的，一车大米在7分钟左右即可完成样品抽检。"近期，《金融时报》记 者在中粮建三江米业有限公司采访时，公司负责人告诉记者，不同于过去的人工采样检测，如今稻谷被 粮食经纪人拉到厂区后，可实现从签样到检测的全流程自动化，在提升粮食收购效率基础上，还能明显 减少粮食收购过程中的检测争议，保障"好粮卖好价"。这背后除了技术支撑外，资金保障更不可或缺。 记者了解到，在中国人民银行黑龙江省分行的指导下，辖内多家银行机构根据中粮建三江米业实际生产 计划精准匹配收购水稻流动资金，并在每年十月中旬收购工作启动时确保资金及时到位，有效撬动了农 业企业对全产业链的带动作用。 "2023年以来，我们以创建金融支持乡村振兴先行先试样板区为引领，探索出14种典型金融支持模式， 推动全省金融机构形成一套符合现代化农业发展特点的龙江经验。全省涉农贷款由2023年初的9296.1亿 元，提升至2025年11月末的10294.3亿元。"中国人民银行黑龙江省分行行长张文武表示。据了解，2025 年，黑龙江迎来"二十二连丰"，粮食总产量达到1640.1亿斤。在亮眼成绩的背后，金融起到了关键性的 支撑作用。 在服务核心企业基 ...

如何探寻助农工作的共富"密码"？去年以来，稠州银行衢州分行在辖内开化县开展试点，针对当地番 薯、玉米、辣椒等丰产农产品出现的销售难题，探索相对成熟的帮扶模式，破解农户增收乏力困境。一 方面，乡村振兴团队持续深入田间地头，了解小农户、专业大户、家庭农场、新型农业主体等客户群 体，保障普惠助农融资服务的充足供给。另一方面，组建"8090"金融服务小队主动对接各村村委，深入 调研当地"一村一品"建设情况，网格化走访农户经营需求，发挥银行渠道优势建设"助农共富小站"，为 农产品扩大销路。截至2025年11月末，不定期开摊的"共富小站"人气不减，稠州银行衢州分行累计推广 本地农产品超千斤，助力销售回款十余万元，涓涓细流温暖着困难农户的心。 为让助农促消形成长效机制，稠州银行衢州衢江支行还在网点内建成专属助农站点，整合本地优质农产 品资源，每月定期举办厅堂助农活动，常态化搭建"农户+银行+市民"的产销对接平台。"一行一策"的精 准帮扶与长效机制的持续落地，既让农户的"丰收果"稳稳变成"增收钱"，也为城乡消费市场注入了新鲜 活力。新鲜平价的本地农产品，叠加稠行公益补贴，不仅满足了市民对绿色健康食材的消费需求，更让 消费充满 ...

信用破题，让资产"活"起来 资金短缺、抵押物不足，曾是横亘在许多意图扩大生产的养殖户面前的一道坎。如何让农户的"信用"变 成可用的"资本"，是邮储银行湖北省分行着力破解的首要课题。 在十堰市郧阳区南化塘镇，养殖户刘正勇对此深有体会。他的永诚牧业已发展成年存栏蛋鸡18万羽、青 年鸡20万羽的规模企业。今年，他投入近300万元扩建厂房、升级设备，却遭遇市场价格波动，资金周 转一时捉襟见肘。 近年来，湖北省委、省政府将家禽及蛋制品产业列为湖北十大重点农业产业链之一。湖北禽蛋产业带动 全省百万农户、数百万就业岗位，成为江汉平原、鄂东丘陵等地区农民的"钱袋子产业"，在保障农产品 供给、促进农民增收中发挥着重要作用。 然而，融资难题一度制约着禽蛋产业规模化、标准化发展。传统养殖模式下，农户多以家庭为单位经 营，缺乏标准化厂房、固定资产等传统抵押物，申请贷款时常面临"申请难、审批慢、额度低"的困境 ——不少养殖户因资金缺口错过鸡苗采购黄金期、放弃扩建机会，甚至在鸡蛋价格上扬时因收购资金不 足错失订单。 近年来，邮储银行湖北省分行聚焦禽蛋产业高质量发展需求，以"一县一品"特色服务模式为抓手，通过 产品创新、链式服务和效率提升 ...

Core Insights - The poultry and egg products industry in Hubei has been identified as one of the top ten key agricultural industry chains, significantly contributing to the income of millions of farmers and providing numerous job opportunities [1][8] - Traditional farming methods have led to financing challenges for farmers, hindering the scale and standardization of the poultry industry [1][2] - Postal Savings Bank of Hubei has developed innovative financial products and services to support the high-quality development of the poultry industry, including credit loans without collateral [2][3][6] Financing Challenges - Farmers often face difficulties in obtaining loans due to a lack of traditional collateral, leading to missed opportunities for expansion and procurement [1][2] - The "Two Agricultural Credit Value Loan" product allows farmers to secure loans based on their creditworthiness rather than physical collateral [3][7] Financial Support Initiatives - The Postal Savings Bank has issued over 50 billion yuan in small loans to more than 30,000 poultry industry clients, with over 11 billion yuan disbursed this year alone [1][5] - The bank's "chain service" approach extends financial support across the entire poultry industry chain, from farming to processing, ensuring sustainable development [4][5] Case Studies - A farmer in Shiyan City successfully secured a 200,000 yuan loan in just three days, enabling him to expand his operations and potentially increase sales by 10 million yuan [2][3] - Another farmer in Huanggang City has grown his poultry operation from 5,000 to 150,000 birds with continuous support from the Postal Savings Bank [4][5] Innovative Financial Models - The "Postal Agricultural Quick Loan" model allows for rapid loan approval and disbursement, significantly benefiting farmers during critical production periods [6][7] - The collaboration with provincial agricultural guarantee companies has further reduced financing costs for farmers [7] Future Outlook - The Postal Savings Bank aims to continue enhancing its financial services for rural development, focusing on innovative products and efficient service delivery to support the growth of the poultry industry [8]

Core Insights - The articles highlight the innovative financial services being implemented in rural areas of Huizhou, Guangdong, particularly focusing on the elderly population and enhancing access to financial knowledge and services [1][2] Group 1: Financial Services Innovation - Agricultural Bank's financial specialists are actively engaging with rural residents to provide financial services and educate them on preventing telecom fraud [1] - The People's Bank of China Huizhou Branch has established a three-party coordination mechanism involving civil affairs departments, village committees, and commercial banks to ensure financial services meet villagers' needs [2] Group 2: Accessibility and Convenience - The introduction of mobile payment services has made financial transactions more accessible, with all townships in Huizhou meeting mobile payment application standards [2] - The establishment of local service points for cash withdrawals and mobile payment options in small shops has significantly improved convenience for villagers, reducing the need to travel long distances to bank branches [1] Group 3: Policy Implementation and Support - The Huizhou Branch has launched action plans to support rural revitalization and high-quality development, facilitating one-on-one financing connections for local industries [2] - Recent financing events have helped small and micro enterprises better understand available financial products and policies, addressing their specific needs [2]

Core Insights - The article highlights the significant role of the Xinjiang Kashi region in the production and sales of new plums, with the area becoming the largest base for this fruit in China, contributing to rural revitalization and farmer income growth [1][2]. Financial Support and Impact - The People's Bank of China has initiated financial support for the new plum industry, with a focus on increasing production and income through targeted financial products [2][3]. - Since 2022, a total of 28.9 billion yuan has been allocated in agricultural loans to Kashi County, facilitating low-interest loans of 36.38 billion yuan and benefiting nearly 57,000 market entities, resulting in an average annual income increase of 19,000 yuan per person in the new plum industry [2][3]. Innovative Financial Products - Financial institutions have introduced innovative loan products like "New Plum Loan," which offers high credit limits, low interest rates, and flexible terms to address the financing challenges faced by the new plum industry [3][4]. - As of August, over 17,000 "New Plum Loans" have been issued, amounting to 1.31 billion yuan, covering all 310 administrative villages in Kashi County [3][4]. Comprehensive Industry Support - The "New Plum Loan+" initiative has expanded its services to cover the entire industry chain, from planting to sales, enhancing the financial support for farmers and businesses involved in the new plum sector [4][5]. - The program has provided 8.35 billion yuan in loans to support the large-scale planting of over 240,000 acres of new plums [4][5]. Enhancing Value and Efficiency - The financial support has also targeted logistics and processing challenges, with loans issued for cold storage construction and transportation, facilitating the sale of 46,300 tons of new plums [5][6]. - The introduction of various collateral options for loans has enabled nearly 400 processing enterprises and cooperatives to secure funding for equipment upgrades and operational stability [6]. Conclusion - The financial backing has transformed the new plum industry in Kashi from extensive farming to standardized and large-scale production, significantly increasing the added value and contributing to rural prosperity [6].

Core Insights - The article highlights the significant role of the Xinjiang Kashi region in the production and sales of new plums, with the area becoming the largest production base in China, contributing to rural revitalization and farmer income growth [1][2]. Financial Support and Initiatives - The People's Bank of China has implemented financial support initiatives for the new plum industry, including a focus on "ten million tons of fruit income" as a key task for rural revitalization [1][2]. - Since 2022, a total of 28.9 billion yuan has been allocated in agricultural loans to Kashi County, facilitating low-interest loans of 36.38 billion yuan and benefiting nearly 57,000 market entities [2][3]. Innovative Financial Products - Financial institutions have introduced innovative loan products like "New Plum Loan," which offers high credit limits, low interest rates, and flexible terms to address financing challenges in the new plum industry [3][4]. - As of August, over 17,000 "New Plum Loans" have been issued, amounting to 1.31 billion yuan, covering all 310 administrative villages in Kashi County [3][4]. Comprehensive Service System - The "New Plum Loan+" initiative has developed a financial supply chain service system that supports the entire new plum industry chain from planting to sales, enhancing farmers' income and providing financial security [4][5]. - The program has issued 14,904 loans totaling 8.35 billion yuan, promoting the large-scale cultivation of over 240,000 acres of new plums [4][5]. Addressing Industry Challenges - The "New Plum Loan" addresses logistical challenges by financing cold storage construction, transportation vehicles, and online marketing platforms, with 2,138 loans issued for these purposes, supporting the construction of 14,304 square meters of storage [5][6]. - The program also supports processing enterprises by offering various collateral options, resulting in 200 million yuan in loans benefiting nearly 400 processing companies and cooperatives [6]. Industry Growth and Transformation - With financial backing, the new plum industry has transitioned from extensive planting to standardized and large-scale production, significantly increasing added value and contributing to rural income and revitalization [6].

Core Insights - Qilu Bank's Linyi branch has successfully launched the province's first "Grain Expected Revenue Pledge Financing" business, providing innovative financial services to address financing challenges for agricultural operators and injecting financial support into rural revitalization [1][2] - The financing model transforms expected grain revenue into effective credit enhancement measures, addressing the lack of collateral for grain planting entities and ensuring asset security for the bank [1] Group 1 - The financing initiative is a significant step in promoting inclusive finance and supporting rural revitalization, showcasing Qilu Bank's commitment to local economic development [2] - A dedicated team was formed to ensure the product aligns with agricultural needs, focusing on risk prevention, operational standards, and regional adaptability [1] - The cooperative receiving the loan plays a crucial role in local agriculture, enhancing production efficiency and farmer income through professional machinery services and cultivation experience [1] Group 2 - Qilu Bank plans to leverage its advantages in the Linyi city's inclusive financial service reform pilot zone to explore new agricultural financial service pathways [2] - The bank aims to provide high-quality financial support to more agricultural operators, empowering agricultural modernization through financial innovation [2]