《金融时报》记者：随着净息差持续收窄，农村金融服务领域的竞争日趋白热化。您认为"十五 五"时期，如何构建良好的农村金融服务生态，以更好地满足乡村振兴战略需求？ 何广文：从总体的不良和净利差比较来看，2024年开始，商业银行总体净利差已经低于不良水平。 一方面，金融机构要着力调整"卷利率""卷服务"的竞争模式，按照乡村振兴综合发展项目设计配套金融 服务。乡村振兴金融服务并不仅仅是通过"卷利率""卷服务"来满足农户和新型农业经营主体的信贷需 求，更多涉及乡村综合项目开发的服务问题，特别是大型银行要在其中发挥主导作用。另一方面，要从 市场结构层面考虑大小银行在乡村振兴金融服务中的角色分层，对各类涉农金融机构的业务边界进行适 当引导和规范，构建分工协作的农村金融体系，防范过度竞争和县域客户"掐尖"，落实农村普惠金融责 任。 近日发布的《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》提出"加快农业农 村现代化，扎实推进乡村全面振兴"。乡村全面振兴离不开金融的有力支持。为提升乡村振兴金融服务 质效，每年中央一号文件都围绕农村金融提出指导意见并且不断强化，政策支持有力、金融供给总量充 分。可以认为，由大中小银行 ...

Core Viewpoint - The People's Bank of China Sichuan Branch is actively implementing financial support for rural revitalization by transforming dormant rural assets into capital for development, focusing on agricultural facilities and livestock as collateral for loans [1][8]. Group 1: Financial Support Initiatives - As of the end of September, Sichuan has issued a total of 5.335 billion yuan in livestock collateral loans and agricultural facility loans, benefiting 13,392 agricultural entities [1]. - The Sichuan Branch has conducted extensive research to address challenges in asset rights confirmation, evaluation, and risk control related to agricultural facilities and livestock [2][4]. - A series of policy documents have been released, including the "2025 Sichuan Credit Policy Work Points," to promote the use of agricultural facilities and livestock as collateral [2][4]. Group 2: Mechanism and Coordination - A regular liaison mechanism for financial services in rural revitalization has been established, involving coordination among financial, fiscal, and industrial departments [3]. - The Sichuan Branch has collaborated with various departments to streamline policies related to the rights confirmation and collateralization of rural resources [4][5]. Group 3: Product Innovation and Implementation - Innovative financial service models have been developed, such as "live asset collateral + intelligent supervision," utilizing technologies like IoT and blockchain for real-time monitoring of livestock [8]. - As of September, 3,189 market entities have received 2.286 billion yuan in livestock collateral loans, while 10,203 entities have received 3.048 billion yuan in loans for agricultural facilities [8]. - A dual asset collateral approach has been introduced to meet the financing needs of agricultural entities, combining livestock and agricultural production facilities as collateral [9].

Core Viewpoint - The financial support in Jia Yu County is significantly enhancing the agricultural sector, particularly in vegetable cultivation, through innovative credit products and services tailored to the needs of farmers [3][4][12]. Financial Support and Credit Innovations - The Agricultural Bank of China provided a credit loan of 5 million yuan to Hubei Jinrun Agricultural Development Co., which has a planting area of 8,250 acres and is focused on green vegetable cultivation [3][4]. - As of September 20, the Agricultural Bank in Jia Yu County has granted credit of 16.79 million yuan to 59 vegetable growers and 7.3 million yuan to 28 livestock farmers, effectively addressing funding bottlenecks [4]. - Jia Yu County has established a multi-layered rural financial service system, with agricultural loans reaching 9.86 billion yuan, a year-on-year increase of 18.3% [4]. Innovative Financial Products - Jia Yu Rural Commercial Bank launched the "Jia Nong Loan" series, which calculates credit value based on planting area, allowing larger areas to receive higher credit limits [6][10]. - The bank has issued loans totaling 89.13 million yuan under the "Jia Nong Loan" program, benefiting 260 households [6]. - The bank's innovative approach has led to a 173.67% year-on-year increase in the balance of re-loans for supporting agriculture and small businesses, reaching 466 million yuan [6]. Infrastructure and Service Expansion - The establishment of 75 village service points has improved access to financial services, allowing villagers to conduct transactions conveniently [7]. - The bank's efforts have resulted in a significant increase in the number of loan clients, surpassing 18,300 by mid-year [13]. Impact on Agricultural Development - The financial support has led to an expansion of vegetable planting areas to 460,000 acres, generating an annual output value exceeding 6 billion yuan, contributing to an increase in per capita income for farmers by over 10,000 yuan [12][13]. - The Agricultural Development Bank has invested 90 million yuan in projects aimed at upgrading agricultural infrastructure, enhancing irrigation and access to fields [12]. Conclusion - The integration of financial services with the agricultural sector in Jia Yu County is fostering a robust environment for vegetable production, demonstrating the effectiveness of targeted financial strategies in rural development [12][13].

Core Insights - The article highlights the significant role of Jinxing County in China's garlic production, contributing to one-fourth of the national output and exporting to over 170 countries and regions [1] - Shandong Investment Co., Ltd. has injected substantial financial support into the local garlic industry, with a total of 5 million yuan in factoring funds and 2.214 million yuan in supply chain funds, aiming to enhance rural revitalization and promote the garlic industry [1][3] Factoring Empowerment - The garlic industry faces challenges such as long accounts receivable cycles and financial pressure during peak purchasing seasons, which hinder expansion [4] - Shandong Investment's subsidiary, Shandong Lixin Commercial Factoring Co., Ltd., has implemented a factoring solution, providing 5 million yuan to alleviate these financial constraints and support the garlic trade chain [4][6] - The funding is strictly monitored to ensure it is used for garlic procurement, temperature-controlled storage, and equipment upgrades, facilitating a shift from fragmented operations to standardized, large-scale production [4][6] Supply Chain Integration - Shandong Investment's subsidiary, Shandong Lixin Huijin Supply Chain Co., Ltd., has established a comprehensive garlic supply chain system that connects production and sales, enhancing distribution efficiency [9] - The supply chain operates on a cash-on-delivery model, leveraging partnerships with state-owned enterprises to ensure effective market access [9][11] - Since the launch of the supply chain business, 2.214 million yuan has been invested, resulting in nearly 10,000 tons of garlic trade, with plans for weekly investments of approximately 1 million yuan to further stimulate the industry [11] Dual-Driven Strategy - The collaboration between factoring and supply chain services creates an integrated model that addresses both financial and market access needs, supporting the overall upgrade of the garlic industry [14] - This financial intervention is expected to stabilize prices for upstream farmers, expand operations for midstream trading companies, and ensure better quality products for downstream markets, fostering a positive cycle throughout the supply chain [14] - The project is anticipated to create over 2,000 jobs annually, contributing to the high-quality economic development of Jinxing County [14]

Group 1 - The core viewpoint of the articles highlights the significant role of Everbright Bank in supporting the agricultural sector in Yunnan, particularly through tailored financial services that enhance the production and marketing of local specialty products [1][2][3] - Everbright Bank's Kunming branch has approved a total credit of 1.4 billion yuan for Yunnan Agricultural Reclamation Group, benefiting over 30 subsidiaries and cooperatives [1] - The bank's financial support has been crucial across various industries, including 830 million yuan for the grain and oil sector, 316 million yuan for the sugar industry, and 30 million yuan for the tea industry, showcasing a comprehensive approach to agricultural financing [2] Group 2 - The bank's initiatives have led to modernization in production processes, such as the upgrade of rubber processing lines and the introduction of smart equipment in sugar factories, which enhances product quality and market reach [2] - Everbright Bank aims to continue its efforts in rural revitalization by providing financial resources that facilitate the growth of local products, ensuring that more Yunnan specialties reach national markets [3] - The bank's commitment to supporting niche products is evident, with loans allocated for apple orchards and walnut groves, which have improved agricultural practices and increased farmers' incomes [2][3]

Core Insights - The event held in Makit County, Xinjiang, focused on the role of the "insurance + futures" model in promoting high-quality development of the county's economy [1][2] - The event was supported by Zhengzhou Commodity Exchange and organized by Shenwan Hongyuan Futures, highlighting the importance of collaboration between government, industry experts, and enterprises [1] Group 1 - The Deputy Secretary of the Makit County Committee emphasized the need for the "insurance + futures" model to inject new momentum into local economic development [1] - Shenwan Hongyuan Futures summarized its achievements in the "insurance + futures" sector and expressed commitment to further innovation and resource integration [1] - The event showcased the potential of the "insurance + futures" model in supporting rural revitalization and high-quality economic development [2] Group 2 - Various participants shared insights on optimizing the "insurance + futures + N" model, discussing opportunities and challenges in the field [2] - Innovative exploration plans and future prospects were proposed to enhance professional standards and introduce new technologies in the "insurance + futures" model [2] - The successful hosting of the event affirmed the role of the "insurance + futures" model in financial services for rural revitalization and provided new directions for county economic development [2]

Core Viewpoint - The development of the lychee industry in Hejiang County, Sichuan, is significantly supported by financial services, enabling local farmers to enhance production and distribution efficiency [1][2][3]. Financial Support and Impact - Financial assistance is crucial for lychee farmers due to the long growth cycle and high initial investment in organic fertilizers and labor [2]. - Agricultural Bank of China (ABC) has provided loans totaling 2.48 billion yuan since 2025, with a current loan balance of 8.02 billion yuan, facilitating the growth of the lychee industry [3]. Industry Growth and Development - The lychee industry in Hejiang is expanding, with farmers transitioning from struggling with sales to efficiently shipping products nationwide [3]. - The introduction of automated sorting machines has doubled sorting efficiency, allowing for increased supply during peak seasons [2]. Community Engagement - ABC's customer managers actively engage with local farmers, extending financial services throughout the entire lychee production chain, from breeding to transportation [2][3].

Core Viewpoint - The exhibition titled "Ten Years of Protecting 'Three Rural Issues' - 'Insurance + Futures' Practice and Achievements Exhibition" highlights the significant contributions of the "Insurance + Futures" model to China's rural revitalization strategy and the stabilization of farmers' incomes over the past decade [1][2]. Group 1: Achievements of "Insurance + Futures" - The "Insurance + Futures" model has effectively addressed the traditional issue of "low prices harming farmers" by providing a new type of "umbrella" for farmers to manage market risks [1]. - Since 2016, the model has been included in the Central No. 1 Document for eight consecutive years, evolving from "price protection" to "income protection" and expanding its services from crop farming to livestock farming [1][2]. - Various successful projects, such as the corn and soybean "Insurance + Futures" project in Heilongjiang, have led to significant payouts during disasters and have contributed to poverty alleviation [2]. Group 2: Future Outlook - The exhibition serves not only as a summary of past achievements but also as a vision for future development, aiming to deepen and improve the "Insurance + Futures" model [3]. - The model is expected to continue guiding financial resources to support agricultural modernization and ensure national food security [3]. Group 3: Exhibition Details - The exhibition is hosted by the China Securities Museum and the Dalian Commodity Exchange, showcasing the innovative concepts and successful experiences of "Insurance + Futures" in serving the real economy and national strategies [2][4]. - The exhibition will remain open to the public, with appointments available through official channels [4].

Group 1 - The core idea of the news is the introduction of tailored financial products by Taizhou Rural Commercial Bank to support local crab farmers, addressing their specific financial needs and challenges [1][2] - The event showcased a direct approach to financial education, where bank staff explained financial products in simple terms related to the crab farming industry, highlighting the advantages of deposit rates and flexible access to funds [1] - The focus was on agricultural operational loans, detailing application conditions and loan disbursement speed, which are crucial for farmers seeking startup capital [1] Group 2 - This initiative reflects Taizhou Rural Commercial Bank's commitment to deepening community engagement and practicing the "finance for the people" philosophy by providing precise financial services to enhance local agricultural development [2] - The bank plans to continue collaborating with community organizations to offer more accessible and practical financial services, ensuring that financial resources effectively support rural revitalization efforts [2]

Group 1 - The People's Bank of China and the Ministry of Agriculture and Rural Affairs emphasize the need to enhance financial services for rural industries, particularly focusing on local specialty products to promote high-quality development in county-level industries [1] - Commercial banks are optimizing their products and services to meet diverse financial needs of various financing entities, exploring financial support for rural industrial revitalization [1] Group 2 - Shanjiah Lake Town, with a population of less than 40,000, produces 80% of China's and 73% of the world's pearls, establishing itself as the largest pearl industry distribution center globally [2] - Local pearl merchants, like the couple Zhang Lingfeng and his wife, have successfully integrated modern payment solutions through bank services, leading to increased customer engagement and financial support for the pearl industry [3][4] Group 3 - The development of the pearl industry has significantly boosted the local economy, making freshwater pearls accessible to the general public and enhancing the reputation of Zhuji as the "Pearl Capital of China" [4] - In Qinghai's Binggou Village, the local dairy industry, particularly yogurt, has become a new favorite among food enthusiasts, supported by financial institutions that have enabled villagers to expand their cattle farming [5] Group 4 - The introduction of modern fermentation technology in Qinghai's dairy industry has improved production standards while preserving traditional flavors, supported by financial backing from Postal Savings Bank [6] - The financial support has allowed local dairy companies to upgrade their production lines and implement digital quality monitoring, transforming yogurt into a profitable product for local farmers [6]