金融产品不断创新，更加精准满足高原特色产业发展需求。 在日喀则市白朗县康桑农产品发展有限公司生产线，青稞被加工成糌粑，成为带动群众增收致富的"金 豆豆"。 雅砻河谷，藏式新居，鳞次栉比；古老藏戏，悦耳动听。西藏山南市乃东区扎西曲登社区，一步一景， 游人如织。 31号民宿内，社区居民次仁忙个不停，"大部分房间都住上了游客。吃上'文旅饭'，多增加一份收入。" 办民宿，投入不少。几年前，次仁向农行山南分行申请贷款，开起了社区里的首批民宿。"以前我大部 分时间在外面打工，如今在家门口就能挣钱。"次仁说。靠着农行发放的贷款，他还装修了民宿、给房 间添置了新设施。 金融活水，浇灌文旅产业茁壮成长。近年来，农行山南分行累计为扎西曲登社区111户家庭发放贷款 1000余万元，在社区内设立金穗惠农通服务点，提供取款、转账等"家门口"金融业务。"现在社区有藏 式民宿85户，去年居民人均可支配收入达3.4万元，日子越过越红火。"扎西曲登社区党总支书记巴桑次 仁介绍。 自1995年农行西藏分行成立以来，始终立足"农"字头，让金融服务跟着农牧民需求走、围着乡村发展 转。截至2025年9月末，农行西藏分行涉农贷款余额631亿元，较202 ...

雅砻河谷，藏式新居，鳞次栉比；古老藏戏，悦耳动听。西藏山南市乃东区扎西曲登社区，一步一景， 游人如织。 31号民宿内，社区居民次仁忙个不停，"大部分房间都住上了游客。吃上'文旅饭'，多增加一份收入。" 优化金融服务，提升普惠金融质效。 办民宿，投入不少。几年前，次仁向农行山南分行申请贷款，开起了社区里的首批民宿。"以前我大部 分时间在外面打工，如今在家门口就能挣钱。"次仁说。靠着农行发放的贷款，他还装修了民宿、给房 间添置了新设施。 金融活水，浇灌文旅产业茁壮成长。近年来，农行山南分行累计为扎西曲登社区111户家庭发放贷款 1000余万元，在社区内设立金穗惠农通服务点，提供取款、转账等"家门口"金融业务。"现在社区有藏 式民宿85户，去年居民人均可支配收入达3.4万元，日子越过越红火。"扎西曲登社区党总支书记巴桑次 仁介绍。 自1995年农行西藏分行成立以来，始终立足"农"字头，让金融服务跟着农牧民需求走、围着乡村发展 转。截至2025年9月末，农行西藏分行涉农贷款余额631亿元，较2021年末增加160亿元；粮食重点领域 贷款余额264亿元，5年间翻了一番。 金融产品不断创新，更加精准满足高原特色产业发展需 ...

农行惠州分行相关负责人介绍，在物理渠道建设上，该分行在全市乡镇布放"惠农通"智能终端1200台， 实现基础金融服务全覆盖；打造"三农"特色网点、5G+对公特色网点等差异化阵地，将引领区乡镇纳入 总行"旅游重点村"支持范围，给予最长20年贷款期限优惠。在服务与人员下沉方面，该分行选派37名金 融助理驻镇帮扶，累计开展金融知识下乡活动657场，累计为超2000户农户投放贷款5.4亿元。 此外，农行惠州分行联合多方打造全市首个"信用镇"杨村镇，整体授信2.6亿元，推动农户获贷率提升 30个百分点；加入"社村"联合会，构建"政策+金融+产业"联动机制，2024年至今投放"社村"贷款近8000 万元，助力村集体经济发展和农民增收。 截至今年10月末，农行惠州分行已对接引领区22个标杆项目，授信总额超31亿元。 文旅产业是引领区生态价值转化的核心载体，但轻资产、长周期的特性使其面临融资难题。农行惠州分 行聚焦这一痛点，组建专项服务团队，出台十条支持措施，与博罗、龙门两县政府建立"项目清单+授 信白名单"协作机制，将信贷资源精准投向文旅项目建设。 "针对区域内民宿、农家乐等中小经营主体'轻资产、缺抵押'的共性问题，我行推出 ...

2025年，广东省"百千万工程"深入推进，环南昆山—罗浮山县镇村高质量发展引领区作为省级战略支 点，正加速将生态优势转化为发展优势。中国农业银行惠州分行（以下简称"惠州农行"）主动作为，以 精准金融服务注入强劲动能，彰显国有大行服务乡村全面振兴与生态发展的责任担当。 罗浮山西南麓的咏峰旅游度假项目前期投入大、回报周期长。惠州农行主动上门对接定制方案，给予 1.8亿元固定资产贷款授信，并创新"乡旅贷"辐射产业链。目前，该项目已获贷8000万元。预计2026年 运营后，年带动消费1亿元，助力农户增收。罗浮山力天梦幻生态园二期升级因宏观政策面临"资金断 档"。惠州农行迅速组建团队定制贷款方案，最终获批1.5亿元授信，今年9月投放首笔贷款6000万元。 截至2025年10月，项目已创造超过100个就业岗位，带动了周边餐饮、零售等配套业态，推动新增多家 个体经营户，构建起"项目牵引、社区联动"的就业新模式。 惠州农行构建"特色网点+自助银行+惠农通服务点+掌银渠道+流动服务"五位一体体系，在全市乡镇布 放1200台"惠农通"智能终端，实现基础金融服务全覆盖；打造差异化阵地，将引领区乡镇纳入总行"旅 游重点村"支持范围， ...

Core Insights - The "Hundred Million Project" in Guangdong Province is advancing, with a focus on high-quality development in the Huizhou region, emphasizing ecological and industrial integration [2] - Agricultural Bank of China Huizhou Branch is actively supporting this initiative by providing financial resources to key projects, demonstrating a commitment to ecological protection and rural revitalization [2][6] Financial Support Initiatives - The Agricultural Bank of China Huizhou Branch has established a special service team and introduced ten financial support measures, including a "project list + credit whitelist" mechanism to direct credit resources to critical areas [2] - As of October 2025, the bank has granted over 3.1 billion yuan in credit to 22 benchmark projects, significantly contributing to the green development of the region [2] Tourism Project Financing - The Huizhou branch has provided 1.8 billion yuan in fixed asset loan credit to the Yongfeng tourism resort project, extending the loan term to 12 years to alleviate short-term repayment pressure [4] - The Yongfeng project is expected to generate 100 million yuan in annual consumption and create hundreds of jobs upon completion [4] Rural Financial Services - The bank has developed a comprehensive rural service system, including 1,200 "Huinong Tong" smart terminals, ensuring full coverage of basic financial services in rural areas [7] - Over 5.4 billion yuan in loans have been provided to more than 2,000 farmers, supporting the development of specialty industries such as rice planting and citrus cultivation [7] Credit Innovations - The bank has launched the first "credit town" in the city, establishing credit archives for farmers and increasing the loan approval rate by 30 percentage points [8] - A total of 260 million yuan has been granted to local farmers, promoting a beneficial cycle of credit and trust [8]

Core Insights - The article highlights the proactive role of Agricultural Bank of China (ABC) in supporting the development of the Huizhou region, particularly in the context of the "Hundred Million Thousand Project" aimed at promoting high-quality development through ecological and industrial integration [2][7] Financial Support Initiatives - ABC has established a special service team and introduced ten financial support measures to address the development needs of the Nankunshan-Roof Mountain area, focusing on ecological protection, cultural tourism integration, and rural revitalization [2][6] - As of October 2025, ABC has provided over 3.1 billion yuan in credit support to 22 key projects, including the Nankunshan-Roof Mountain economic belt and various tourism and wellness projects [2][6] Project Financing Challenges - The article discusses the financing difficulties faced by cultural tourism projects, particularly the YF Resort project, which required significant upfront investment and had a long return cycle [3][4] - ABC tailored a comprehensive financial solution for the YF Resort, providing 180 million yuan in fixed asset loans with an extended repayment period of 12 years to alleviate short-term repayment pressure [3][4] Economic Impact - The YF Resort project is expected to generate an annual consumption scale of 100 million yuan and create hundreds of jobs, contributing to local economic development [4][6] - The successful financing of the Litiantian Dream Ecological Park, which received 150 million yuan in credit, is also highlighted as a key project that will enhance the region's overnight economy and create over 100 jobs [5][6] Rural Financial Services - ABC has implemented a comprehensive rural financial service system to improve access to financial services for rural residents, including the deployment of 1,200 smart terminals and the establishment of specialized service points [7][8] - The bank has also launched the "Credit Town" initiative in Yang Village, providing 260 million yuan in credit to local farmers and increasing the loan acquisition rate by 30 percentage points [8] Future Outlook - ABC aims to continue enhancing its financial services and innovative products to support the high-quality development of the Nankunshan-Roof Mountain area, aligning with the green development strategy of Huizhou [8]

Core Insights - The Agricultural Bank of China Qingyuan Branch is actively supporting the "Hundred Million Thousand Project" in Guangdong Province, focusing on innovative financial products and services to boost local industry and promote urban-rural integration [1][2] Group 1: Financial Innovations and Support - The Qingyuan Branch has launched credit products such as "Rural Travel Loan" and "Homestay Loan," and developed "Industry Prosperity Agricultural Loan" to support the development of five major agricultural industries in Qingyuan [1] - The branch has provided over 800 million yuan in loans to support the Yingde black tea industry, facilitating the integration of tea with culture and tourism, thereby increasing employment for thousands of villagers [1] Group 2: Rural Financial Services - To address the "last mile" issue in rural financial services, the Qingyuan Branch has established a leadership group for the "Hundred Million Thousand Project" and deployed financial assistants to cover all towns in Qingyuan [2] - The branch has set up over 250 "Huinong Tong" financial service points and conducted the "Ten Thousand People into Thousand Villages" initiative, effectively crediting nearly 40,000 households by the end of August [2] Group 3: Industrial Support and Integration - The Qingyuan Branch is aligning with Guangdong Province's industrial transfer strategy, focusing on providing financial support to enterprises in industrial transfer parks, having supported over 200 enterprises with loans exceeding 4.8 billion yuan [2] - The branch is also enhancing support for key projects, such as leading a syndicate to fund the construction of the Foqing Cong Highway, promoting connectivity between Qingyuan and the Guangzhou-Foshan core area [2] Group 4: Future Plans - The Qingyuan Branch plans to continue optimizing service models and deepening financial innovation to inject stronger momentum into the "Hundred Million Thousand Project," aiming for accelerated high-quality development in Qingyuan [3]

Core Viewpoint - The article highlights the significant role of Agricultural Bank of China Jiangxi Branch in empowering rural revitalization through innovative financial services and products, particularly in agriculture and rural development [1][2][3]. Group 1: Financial Support and Innovations - As of August 2025, the Agricultural Bank of China Jiangxi Branch has provided over 327.83 billion yuan in county loans, with agricultural loans reaching 179.83 billion yuan, and loans to impoverished counties increasing to 109.72 billion yuan, reflecting a substantial increase in financial support [1]. - The bank introduced the "Plant Variety Rights Pledge Loan," transforming intangible intellectual property into tangible financial support, exemplified by Tianya Seed Industry receiving a 30 million yuan credit [2]. - The bank's targeted financial services have led to nearly 3 billion yuan in loans for agricultural households, demonstrating a commitment to addressing the financing challenges faced by rural enterprises [2]. Group 2: Focus on Food Security and Agricultural Development - The Jiangxi Branch prioritizes food security, with a loan balance of 10.97 billion yuan in key agricultural sectors, marking a 10.87% increase since the beginning of the year [3]. - The bank supports the development of agricultural specialty industries, providing 2.2 billion yuan in credit for 18 large-scale planting and processing projects, enhancing the "Gan" brand agricultural products [3]. - In the tea industry, the bank allocated 300 million yuan in project loans, facilitating the modernization of traditional tea production in a region with a 1,700-year history of tea cultivation [3]. Group 3: Rural Revitalization and Community Development - The bank has issued 473.64 billion yuan in rural construction loans and 702.03 billion yuan in green credit, contributing to the overall rural revitalization efforts [5]. - Through the "Huinong e-loan" program, the bank has provided online credit loans to cooperatives and family farms, alleviating financial pressures during critical harvest periods [4]. - The bank's initiatives have led to the creation of over 200 jobs and the return of more than 40 young people to their hometowns, fostering local economic development [6]. Group 4: Digital Transformation and Financial Education - The bank has implemented the "Digital Rural Project," connecting various stakeholders in rural finance through the "Agricultural Bank Huinong Cloud" platform, with 8,819 customers registered as of August [10]. - The establishment of 4,191 credit villages has facilitated the flow of 173.24 billion yuan in credit, enhancing trust and financial accessibility in rural areas [10]. - The bank's outreach efforts include 2,423 financial education sessions, ensuring that financial knowledge reaches rural communities effectively [11].

在新疆维吾尔自治区成立70周年之际，《金融时报》记者深入喀什古城、伊犁河谷、霍尔果斯口岸 实地采访，深切感受到普惠金融始终与民生需求同频共振，正以精准、便捷、暖心的服务，穿透地域与 场景的阻隔，成为助力富民兴疆的关键力量。从田间地头的"及时雨"，到文旅商圈的专属服务，再到因 地制宜的金融创新……随着普惠金融触角的不断延伸，一幅产业兴旺、百姓富足的生动图景正在这片广 袤的边疆土地上徐徐展开。 凭借当地金融机构的有力支持，位于喀什古城的"古丽的家"从一家只有7间客房的小民宿，发展成 为拥有3家分店的古城"打卡点"；无独有偶，1200多公里之外的六星街玛格丽特民宿也以其独具特色的 装修风格吸引各地游客入住体验。为了支持更多类似的特色小店，新疆各金融机构先后推出"百年老店 贷""乡旅贷""文旅E贷"等多款特色信贷产品，同时，通过科技力量实现申贷材料的电子化和信息化，提 升申请流程的便捷度，为相关经营主体提供更加便捷、高效的金融服务体验。 聚焦优势特色产业扶持涉农主体 金秋九月，走进伊宁县维吾尔玉其温村，田间地头一片金黄，颗粒饱满的玉米挂满枝头。在伊宁县 广粮商贸有限公司的晒场上，金灿灿的玉米堆成一座小山，烘干设备忙碌 ...

Core Viewpoint - Agricultural Bank of China Beijing Branch is actively supporting rural revitalization through innovative financial products and services tailored to the specific needs of rural industries, thereby enhancing agricultural productivity and improving the livelihoods of local farmers [1][2][8]. Group 1: Financial Support for Rural Industries - The bank has developed specialized financial products to address the unique needs of rural industries, ensuring that farmers can access loans that are easy to obtain, beneficial to use, and manageable to repay [2][3]. - A notable example includes the "Rural Revitalization e-loan," which provided funding between 500,000 to 1 million yuan to a cooperative in Dawo Village, enabling them to expand their mushroom production and processing capabilities [3]. - The cooperative's annual output value has reached 3 million yuan, significantly increasing the average income of villagers from 16,000 yuan in 2016 to 28,000 yuan by 2025 [3]. Group 2: Diverse Financial Products - Agricultural Bank of China Beijing Branch has introduced various financial products such as merchant loans, rural tourism loans, order loans, facility loans, and agricultural insurance loans to strengthen rural industries [5]. - The bank has also supported the Beijing Jingchun Beekeeping Cooperative with loans ranging from 1 million to 2 million yuan to help expand their operations, demonstrating a commitment to addressing the specific challenges faced by different agricultural sectors [4]. Group 3: Infrastructure and Community Development - The bank has invested nearly 2 million yuan in "rural tourism loans" to enhance local tourism infrastructure in Huangshandian Village, contributing to the overall economic development of the area [6]. - Additionally, over 2.4 million yuan has been allocated for public welfare projects in various villages, focusing on road construction, waste management, and cultural facilities [6][7]. Group 4: Talent and Knowledge Support - The bank has initiated programs to pair rural revitalization demonstration villages with better-developed administrative villages, fostering knowledge transfer and resource sharing [7]. - A team of five skilled personnel has been deployed to provide on-the-ground financial services and guidance, ensuring that local communities receive comprehensive support [7]. Group 5: Future Commitment - The bank plans to continue enhancing its financial support for key agricultural sectors, with a focus on food security, rural industries, and agricultural technology, having already issued nearly 9 billion yuan in loans to agricultural enterprises [8]. - The ongoing efforts aim to create a sustainable model for rural revitalization, ensuring that financial services are closely aligned with the needs of the agricultural sector and rural communities [8].