绿水青山就是金山银山理念提出20年来，浙江牢记嘱托，探索转变发展方式，走出了一条生态美、产业 兴、百姓富的可持续发展之路。绿色，已然成为浙江发展最动人的色彩。 20年来，农行浙江省分行始终坚持为绿添金，以金融活水畅通绿水青山向金山银山转化通道，推进生态 保护与经济发展协同共进。截至今年6月末，全行绿色贷款余额超6500亿元，较年初增长11.8%。 在温州市洞头区，洞头群岛宛若数百颗明珠镶嵌在万顷碧波之上。这座"百岛之县"，海洋资源丰富，生 态环境得天独厚，眼下正加快建设"共富海上花园"。聚焦当地海洋生态系统保护，以生态环境整治为支 持重点，农行浙江省分行加大信贷投放力度，全力助推洞头区实施"蓝色海湾"整治行动，参与全国首个 海洋环境综合治理类EOD项目银团贷款投放，近5年为当地全域旅游、共同富裕等重点项目及海上风电 绿色新能源项目提供超百亿元授信，贷款投放力度居当地同业领先地位。 从护好绿水青山到做大金山银山，金融助力生态保护的实践不断深化。农行浙江省分行坚守主责主业， 积极推动"三农"绿色融合发展，围绕浙江省新时代"千万工程"，聚焦乡村生态保护、乡村人居环境整 治、绿色农业全产业链等重点领域，加大信贷投放， ...

Core Viewpoint - Rural commercial banks play an irreplaceable role in providing financial services to agriculture and rural areas, especially during the critical period of advancing the rural revitalization strategy [1][2]. Financial Support for Agriculture - The People's Bank of China has increased the re-lending quota for supporting agriculture and small enterprises by 300 billion yuan, bringing the total to 3 trillion yuan [2]. - Various rural commercial banks are innovating financial products to support rural revitalization, with Zhejiang Rural Commercial Bank providing half of the agricultural loans in the province [2]. - Tianjin Rural Commercial Bank has established a financial service plan for spring farming, ensuring timely credit support for key agricultural sectors [3]. Support for Small and Micro Enterprises - By the end of Q1 2025, the balance of inclusive loans for small and micro enterprises reached 35.3 trillion yuan, a year-on-year increase of 12.5% [5]. - Jiangsu Rural Commercial Bank aims to provide no less than 50 billion yuan in loans for rural construction throughout the year [3]. - Beijing Rural Commercial Bank has engaged in extensive outreach to support small and micro enterprises, with over 4000 credit approvals totaling more than 20 billion yuan [6]. Innovation and Digital Transformation - Rural commercial banks are focusing on digital transformation to enhance service efficiency and customer experience [7][8]. - The implementation of "silver-tax interaction" mechanisms is helping rural banks address issues like insufficient credit ratings for agricultural enterprises [7]. - Innovative products like "Science and Technology Loans" and "Intellectual Property Pledge Loans" are being introduced to meet the financing needs of technology-based small enterprises [8]. Future Directions - Experts suggest that rural commercial banks should optimize internal policies and processes to better support weak links in agricultural financing [4]. - There is a call for establishing a government-led agricultural credit guarantee system to improve the rural financial risk compensation environment [4]. - The need for enhanced policy support and a robust evaluation system for inclusive finance is emphasized to ensure sustainable growth in rural financial services [6][9].