又是一年秋种忙，《金融时报》记者来到长江之滨的"中国甘蓝之乡"嘉鱼县。清晨的嘉鱼县潘家湾镇， 露水还挂在叶尖，菜农已在田间忙碌，他们或是精心管护田里的作物，或是将刚采摘的蔬菜装车发运。 在这片希望的田野上，一股股金融活水正悄然流淌，滋养着这处享有"北有寿光，南有嘉鱼"美誉的蔬菜 之乡。 精准滴灌 解产业发展之渴 金秋十月，嘉鱼县潘家湾镇的连片大棚内，甘蓝等蔬菜长势喜人。对于湖北金润农业发展有限公司副总 经理张建建来说，今年的丰收季格外不同。 "这笔信用贷款来得及时、利率很优惠！"站在蔬菜大棚前，张建建难掩激动。今年6月，这家省级农业 龙头企业获得贷款授信500万元，成为嘉鱼县作为湖北省"两农信用贷"（农民个人信用价值、农村资产 信用价值贷款）试点县市的首批受益者。作为中国农业科学院和湖北省农科院的定点科技示范基地，金 润农业一直致力于蔬菜绿色种植和新品种推广。张建建坦言："农业企业普遍面临轻资产、缺抵押的融 资困境。这笔信用贷款利率优惠，可以随借随还，大大降低了企业的用款成本，为企业后期研发、推广 科技良种提供了更多的资金。"据悉，享受财政贴息优惠后，企业贷款实际融资成本仅2.75%。 张建建介绍，基地每年培 ...

Core Insights - The article highlights the significant role of Hubei Bank in supporting local economic development through various financial services and products tailored to meet the needs of different sectors and communities [1][2][4][9]. Group 1: Financial Services and Innovations - Hubei Bank has implemented a "total branch three-level linkage" service model, enabling rapid loan processing, exemplified by a national enterprise that received a loan in just 20 days [2]. - The bank has introduced innovative financial products such as the "Science and Technology Credit Loan" and "Knowledge Value Credit Loan," providing substantial funding to high-tech enterprises [2][4]. - As of June 2025, Hubei Bank's loan balance exceeded 370 billion yuan, with green finance loans increasing by 7.2 billion yuan (18% growth), technology enterprise loans by 10.5 billion yuan (52% growth), and inclusive loans by 6.8 billion yuan (15% growth) [4]. Group 2: Community Engagement and Support - Hubei Bank has established over 250 "Love Stations" across its branches to provide cooling services and support for outdoor workers during extreme heat [5][6]. - The bank has launched initiatives like "Silver Hair Service Package" to cater to the elderly, including financial education and assistance in local dialects [6]. - The bank's commitment to rural revitalization is evident through its deployment of 64 village work teams, which have facilitated nearly 110 million yuan in direct support and mobilized over 300 million yuan in social funding [9][11]. Group 3: Economic Impact and Recognition - Hubei Bank's financial support has significantly contributed to local agricultural development, with loans to farmers increasing by 7.8 billion yuan (21% growth) as of June 2025 [11]. - The bank has been recognized by provincial and municipal governments for its outstanding contributions to economic development, reflecting its commitment to community service and financial inclusion [11].

Group 1 - The "Credit Assistance for Agriculture" initiative was launched in Wuhan, allowing farming enterprises to secure loans without collateral, with a total of 35.4 million yuan granted to four companies [1] - Wuhan Tianjian Agricultural Development Co., Ltd. received a credit agreement of 10 million yuan, aiming to expand its annual pig production from 500,000 to 1 million within three years, increasing its output value from 1.2 billion yuan to 2.8 billion yuan [1] - The "Two Agriculture Credit Loan" evaluates farmers' creditworthiness based on various factors, generating a scoring system that categorizes them into four levels (A, B, C, D) for loan eligibility [1] Group 2 - The initiative aims to transform dormant rural resources into assessable credit capital through data enhancement, facilitating a new credit evaluation system for agricultural operators [2] - The program includes a month-long policy promotion and service connection effort in Huangpi District, one of the first ten pilot areas for the "Two Agriculture Credit Loan" [2] - The Wuhan Rural Commercial Bank introduced the "Two Agriculture Credit Loan" product, allowing customers to apply for loans online by filling out basic information on a dedicated platform [2]