在核心城区与普惠领域，以与郑州市金水区的签约为代表，聚焦其 35 万家市场经营主体的庞大需求， 依托 21 家营业网点的密集布局，推进小微企业融资协调机制落地，开展 "千企万户大走访"，创新 "商 户贷" 等产品，破解小微融资难题，构建高效普惠金融生态，让金融服务渗透到城市经济的毛细血管。 7月3日，郑州银行与荥阳市政府完成战略签约。荥阳市地处郑州市西部，作为距离省会郑州最近的县级 市，也是郑州与河南西部地区重要的连接点。当地产业发达，特色突出，以制造业高质量发展为主攻方 向，着力提升核心区的产业集聚能力和辐射能力，正构筑郑州西部高端装备制造、新材料、生物医药产 业体系。在签约现场郑州银行明确表示，将进一步加大荥阳市重大项目建设、产业转型升级、实体经济 创新发展等方面的支持力度，为荥阳经济社会高质量发展注入强大金融活水。 7月4日，郑州银行与安阳市政府进行战略签约。安阳作为河南的"北大门"，当前正加快建成引领豫北地 区、联动京津冀、支撑中原城市群高质量发展的现代化区域中心强市。借此签约契机，安阳市政府表示 期待与郑州银行在政务合作、文旅融合、枢纽经济、低空经济产业发展等领域深化合作。 7月1日和7月9日，郑州 ...

近年来，建设银行连云港分行不断优化金融服务模式，着眼于一二三产融合发展，加强场景与平台建 设，持续做好对农业产业集群、新型农业经营主体、产业链上下游农企农户等涉农主体的综合金融服 务。围绕乡村产业发展需求，加大涉农产业支持力度，做大产业链条上的金融总量，助力延长产业链、 提升价值链、完善利益链。积极构建养殖、海鲜、鲜切花、生猪、食用菌等涉农产业链，打造全场景、 全客群、全产业链的金融服务新模式。以"裕农产业平台"为载体，搭建赣榆区"海产品全链条特色产业 链平台"等数字化平台。截至6月末，该行涉农贷款余额125.2亿元。 "最近持续高温，蟹塘里的螃蟹正处于第三次蜕壳关键期，管理上一点都不能马虎。早 上5点，我们便开始巡塘，检查蟹塘的水质，打捞多余的水草，做好投喂工作。"近 日，灌南县宏成家庭农场负责人苗建成说，"我们家养殖的是精品大闸蟹，现有蟹塘 140多亩，去年净利润达50万元，收入很可观。" 苗建成自2018年开始养殖大闸蟹，在他的螃蟹养殖过程中，离不开建设银行连云港分行的大力支持。每 当遇到资金周转难题，苗建成都能第一时间从建设银行连云港分行那里得到资金支持。目前，该行已向 苗建成累计提供了285万元的信 ...

习近平总书记强调："新时代新征程，金融工作要站稳人民立场，增强服务的多样性、普惠性、可及 性，更好保护金融消费者权益。" 周宁农信联社两名金融助理员（左一、左二）在林场查 看经济作物生长情况。 徐一芳摄 黄晓婷（左）在盛世大翔公司了解产品情况。 葛孟超摄 传承弘扬"四下基层"优良作风，2020年以来，宁德市委组织部联合中国人民银行宁德市分行创新建立金 融助理员机制，截至目前，已累计选派5批次485名金融助理员到基层挂职，实现全市乡镇（街道）全覆 盖，推动金融产品服务供给和乡村发展需求有效对接。这些金融助理员深入基层，积极发挥业务优势和 专业特长，推动政银合作更加顺畅，普惠金融服务更加精准，在金融服务乡村全面振兴的实践中担当作 为、持续发力。 金融助理员如何引导金融活水直达田间地头、小微企业？这一机制发挥了哪些重要作用？如何优化完 善？记者近日在宁德进行了采访。 "走出办公室，到基层工作，让我对如何做好金融服务有了不一样的认识" 2023年，厦门银行宁德分行为盛世大翔公司提供了720万元贷款。"要采购茶青等原材料，茶叶企业对资 金的需求量比较大，尤其是每年的春夏两季比较需要资金支持。"黄晓婷说，银行已经将盛世大 ...

近日，利津县北宋镇三岔村的露天西瓜集中上市，瓜农们冒着酷暑采摘、搬运，脸上洋溢着丰收的甘甜。这些年，三岔村依托得天独厚的地理优势，引导群 众大力发展西瓜、大葱等特色农作物种植，利津春霞农作物种植专业合作社负责人贾春霞就是其中的代表。眼下，各地的客商纷纷前来采购，她和社员们忙 的饭都顾不上吃。 针对西瓜种植季节性、周期性的资金需求，利津农商银行精准施策，为瓜农提供了从种植到销售的全链条金融支持。"好瓜，源于沃土的滋养。为解决西瓜 种植前期投入大、资金周转难等问题，我们推出了'乡村振兴贷'，深入田间地头，了解资金需求，精准匹配信贷产品，并通过简化授信流程、降低担保门 槛、实施利率优惠以及首贷、信用贷等举措，为种植户提供一站式资金支持。"利津农商银行南宋支行客户经理隆雨晴表示。 "从400亩扩到2000亩，种苗、肥料、人工···都得压本钱、收了西瓜，紧接着再种萝卜、芥菜、豆子，我还种了50亩大葱。要是没有农商银行这30万贷款，这 规模，直接不敢想。"对农商银行的信贷支持，贾春霞的感激之情溢于言表。 "种瓜，靠天，更靠人。今年，我种了500亩沙漠1号，这个品种适合在露天的自然环境中种植，虽然熟得比较晚，但品质好、口感 ...

Core Insights - The financial sector is actively supporting the lychee industry in Maoming, Guangdong, to ensure farmers benefit from the abundant harvest while mitigating price drops due to oversupply [1][2][3][4][5][6][7][8][9][10] Group 1: Financial Support for Lychee Procurement - Financial institutions in Maoming have introduced over 50 credit products to facilitate lychee procurement, easing the funding pressure for farmers and traders during the peak harvest season [2] - A case study of a lychee trader highlights how quick access to a 300,000 yuan loan from a local bank enabled increased procurement capacity, demonstrating the critical role of timely financial intervention [2] Group 2: Financial Empowerment for Deep Processing - The lychee industry faces challenges due to its seasonal nature, prompting efforts to develop deep processing capabilities to extend the product's market availability [3] - A leading processing company received 40.2 million yuan in loans to upgrade its production line, allowing it to produce approximately 1 million cans of lychee annually, thus enhancing value addition [3] Group 3: Cold Chain Logistics and Export - The development of cold chain logistics has significantly improved the export capabilities of Maoming's lychee, with a notable company exporting over 1,500 tons annually [4][5] - Financial support from local banks has enabled the implementation of innovative technologies, such as the "frozen lychee" technique, which enhances product preservation and market reach [5] Group 4: Market Expansion through E-commerce - The rise of e-commerce has transformed the sales landscape for Maoming lychees, with local banks providing flexible loans to support new farmers entering the digital sales space [6][7] - Initiatives like "Ten Thousand E-commerce Selling Lychees" have been launched to promote digital sales, enhancing the market presence of Maoming lychees [7] Group 5: Integration of Financial Services and Tourism - A unique service area along the highway has been established to promote lychee culture and provide financial services, integrating agriculture with tourism [8] - The initiative includes various promotional activities and financial products tailored to support local farmers and enhance consumer engagement [8] Group 6: Investment in High-Quality Varieties - The introduction of high-end lychee varieties, such as "Ice Lychee," is being supported by financial institutions through targeted loans for research and development [9][10] - A local agricultural company successfully secured 3 million yuan to enhance its cultivation techniques, contributing to the diversification and quality improvement of lychee production [10]

效，茂 南"552"工作法 托管服务提质增 激活农业新动能 _南方+_南方 plus 正值早造水稻收 获期，在茂名市 茂南区公馆镇蒲 炉塘村，连片水 稻穗粒饱满，随 风轻摆。"生产 托管后，我再不 用天天泡田里忙 农活了。"村民 梁叔骑着电动车 笑着说。记者了 解到，自"百千 万工程"实施以 来，茂南区针对 农村耕地碎片 化、劳动力短缺 等问题，创新实 践"552"工作 法，通过提升农 业生产托管服 务，帮助农户节 本增收，推动农 业生产高质量发 展。2025年，茂 南区遴选出农业 生产托管服务主 体（下称"服务 主体"）8家，已 实施早造水稻托 管服务面积2.9 万亩。 五个统一：奏响 规模经营"协奏 曲" "以前各家种各 家 的 地 ， 品 种 杂、管理乱，病 虫害防治也不同 步。 "公馆镇蒲 炉塘村"百千万 工程"实践站有 关 负 责 人 回 忆 道。如今，茂南 区通过实现种植 品 种 、 肥 水 管 理、病虫防控、 技术指导、机械 作业等"五个统 一" ，让分散的 农田变成了标准 化生产基地。 在品种选择上， 服务主体提供适 应当地高产、抗 逆的优质水稻品 种。茂名市茂南 区众诚种养殖专 业合作社（下 ...

Core Viewpoint - The agricultural sector in Jianyang District, Nanping City, Fujian Province is focusing on becoming a national seed production hub, enhancing rice seed production, and promoting financial support for agricultural innovation and farmer income growth [1] Group 1: Support for Research and Breeding - Yongfu Agricultural Technology Co., Ltd. has invested over 100 million yuan in breeding research and established a collaborative research institute with several agricultural research institutions to address funding shortages in the seed industry [2] - Jianyang Rural Credit Cooperative provided over 10 million yuan in loans to Yongfu Agricultural Technology Co., Ltd., enabling the company to focus on its breeding and production efforts without financial concerns [2][3] - The cooperative has launched the "Fuzhong Loan" product to offer customized financial solutions for seed enterprises, simplifying approval processes and reducing financing costs [3] Group 2: Strengthening New Agricultural Entities - Jianyang Rural Credit Cooperative supported He Tianxia Agricultural Development Co., Ltd. with a 200 million yuan loan to facilitate land transfer, helping the company achieve an annual output value of 80 million yuan [4] - The cooperative has issued 1,766 million yuan in loans to over 20 agricultural entities to promote the collaborative development of the seed industry, cooperatives, and farmers [4] - A service center for new agricultural entities has been established to provide comprehensive support, resulting in 42,179.12 million yuan in loans issued through this platform [5] Group 3: Supporting Seed Farmers for Stable Production - The cooperative has introduced the "Agricultural Machinery Loan" to help farmers purchase automated equipment, saving costs significantly during the planting season [6] - A total of 8,215 million yuan in loans has been provided to over 605 entities in the seed production chain, alleviating financial pressures during the spring farming season [6] - The cooperative has implemented a quick loan application process through mobile banking, allowing farmers to access funds rapidly [6] Group 4: Promoting Agricultural Modernization - Jianyang Rural Credit Cooperative plans to invest 50 million yuan in agricultural machinery loans by 2025, aiming to modernize farming practices and support over 300 farmers [7] - The cooperative emphasizes its commitment to agricultural development and financial support, aligning with national food security strategies [7]