普惠金融破局解新农人"燃眉之急" 前两年，李先生夫妇回到河南信阳固始县创业，建起了自家的养鸡场，发展家乡特色产业。夫妻俩没少 在养殖上下功夫，把鸡群照料得井井有条，可今年却犯了难："行情本来就不太好，加上养鸡场要改造 升级，手里急缺周转资金。网贷额度不够用，银行贷款额度倒是够，但手续太繁琐，放款时间又长，我 们等不起啊！" "固始鸡产自有'中原香格里拉'美誉的国家级生态示范区固始县，鸡肉肉质细嫩、鸡蛋蛋大壳厚……"在 第八个"中国农民丰收节"红火氛围中，一箱箱新鲜鸡蛋与包装好的固始鸡正通过直播平台销往全国各 地。这背后，是平安融易河南分公司以普惠金融为纽带，助力固始县蛋鸡产业升级、新农人增收的生动 实践。 国家金融监督管理总局办公厅《关于扎实做好2025年"三农"金融工作的通知》要求，促进县域富民产业 发展。积极助力乡村产业提质升级，大力支持就业容量大、联农带农强的特色产业项目，促进富民产业 发展，重点扶持特色农业、绿色农业、农产品精深加工、乡村文旅、农村物流体系建设、农村电商等新 产业新业态，促进乡村产业数字化发展。 平安融易在上级单位号召下推出"三农护航计划"，持续助力特色农产品的营销推广和产品升级，包 ...

Group 1 - Yangcheng Lake hairy crabs are a significant geographical indication product in China, supporting the local agricultural economy and becoming a crucial pillar for regional agricultural development [1] - Crab farmers face challenges due to climate change and market fluctuations, with significant initial investment required for crab breeding, particularly in purchasing crab seedlings, which accounts for 30% of initial costs [1] - Financing difficulties hinder crab farmers from expanding their operations and upgrading equipment, leading to potential delays in purchasing crab seedlings [1] Group 2 - Ping An Rongyi (Jiangsu) Financing Guarantee Co., Ltd. has implemented innovative financial service models to address the financing challenges faced by crab farmers, simplifying approval processes and lowering financing thresholds [1] - The company has introduced AI video loans, allowing farmers to apply for loans from home, and uses intelligent risk control models to convert operational data into credit assets, generating customized financing solutions [1] - In 2023, Ping An Rongyi has issued over 160 million yuan in loans to nearly 1,000 agricultural micro-enterprises in Jiangsu, covering various sectors including planting, forestry, livestock, and aquaculture [2]