"要深化乡村富民产业金融服务，做好乡村'土特产'金融服务，助推县域产业高质量发展。"近期， 中国人民银行、农业农村部联合印发《关于加强金融服务农村改革 推进乡村全面振兴的意见》中提 到。 特色产业，兴民富民。近年来，瞄准特色产业发力，商业银行不断优化产品与服务，扎实做好"土 特产"文章，满足各类融资主体的多元化金融需求，探索金融支持乡村产业振兴"密码"。 山下湖有张"金名片" 一个常住人口不足4万人的小镇，却能出产全国80%、世界73%的珍珠。这就是全球最大的珍珠产 业集散中心——浙江诸暨山下湖镇。 在山下湖镇华东国际珠宝城曙旺珠宝商行内，店主詹凌枫夫妇正在工作间里忙碌。 这对90后夫妻是土生土长的"珠三代"——两人从小在蚌场跟着家中老人学习摸珍珠，大学毕业后双 双回到故乡诸暨，继承了老一辈的养殖基地，又风风火火投身珍珠市场，一干便是近10年，树立了良好 的口碑。 "村子里的人都有养殖经验，无污染、原生态的养殖环境让这里的牛肉质好、奶也好。"冰沟村副主 任冶军说。 去年年底，夫妻俩在珠宝城内购买了一个小店面。"顾客越来越多，我们用微信、支付宝收款，提 现手续费挺高，经营账目与生活收支重叠也挺愁人。"詹凌枫告诉 ...

Market Overview - The pearl market is experiencing a significant increase in consumer traffic as the summer consumption season approaches, with a notable rise in sales, particularly among young consumers who favor innovative and cost-effective designs [1][2] - Compared to the price surge in 2023, the pearl market has entered an adjustment phase, with overall prices declining and consumption becoming more rational [1][7] - The fluctuation in pearl prices reflects a restructuring of supply and demand and a shift towards more personalized consumer preferences [1][8] Consumer Trends - Young consumers are increasingly embracing pearls, moving away from the perception of pearls as "mom's jewelry" to trendy accessories that can be mixed and matched [2][3] - The trend has shifted from classic styles to more diverse designs, including layered and asymmetrical styles, with a growing interest in Baroque pearls [3][4] - The demand for freshwater pearls and Akoya pearls is rising, with freshwater pearls being the most popular due to their affordability and suitability for Chinese consumers [8] Price Dynamics - Despite an overall price decline in the pearl market, high-quality pearls, such as Tahitian pearls, have seen a price increase of approximately 40% year-on-year, with prices for rare varieties like Australian white pearls also rising [6][8] - The price of seawater pearls is generally 3 to 10 times higher than that of freshwater pearls due to higher cultivation difficulty and lower yield [5][6] Market Sentiment - The pearl market is moving away from the "crazy period" of 2023, where even low-quality pearls were in high demand, leading to overproduction and a subsequent drop in prices for lower-quality products [7][8] - Consumers are now more focused on individual expression and value for money rather than simply seeking expensive items, indicating a maturation in pearl consumption [8]