转自：云南日报 在元江哈尼族彝族傣族自治县，中国银行针对茉莉花产业链的融资痛点，创新推出"云花贷"普惠金融服 务方案。截至2025年11月，"云花贷"已累计投放贷款1100万元，精准支持当地加工企业和种植户，让茉 莉花真正成为农户的"致富花"。 在红河、大理、楚雄等地，农业设施所有权抵押贷款试点正在铺开。截至2025年第三季度末，5个试点 地区农业设施抵押贷款余额6.42亿元，同比增长45.6%，有效破解"三农"领域长期存在的抵押物缺乏难 题。 围绕我省打造"绿色食品牌"，金融资源正以前所未有的精度投向茶叶、咖啡、花卉、中药材等14类高原 特色农业产业。金融机构创新推出的"咖啡贷""七彩云菌贷"等特色产品，如同一把把钥匙打开了不同产 业的信贷供需匹配之锁。截至2025年第三季度末，全省"1+10+3"农业重点产业贷款余额3430.89亿元， 同比增长16.58%，咖啡、花卉、甘蔗、橡胶等6类产业贷款余额同比增速高于20%。截至2025年11月 末，全省涉农贷款余额1.39万亿元，有力维持"三农"对全省金融的基础性支撑。 如今，金融"活水"沿着产业脉络，精准滴灌至每一片关乎乡村振兴与民生福祉的田野。 金融创新赋 ...

转自：新华财经 云南怒江大峡谷深处，高黎贡山的云海翻涌着绿意。在这片被联合国教科文组织列为"世界生物圈保护 区"的土地上，多民族依山而居，生态红线与发展需求交织。怒江州银行业在人民银行怒江州分行的指 引下，以金融为梭，织就一幅高质量发展的画卷。 高黎贡山保护区如同横亘在滇西的生态脊梁，守护着丰富的动植物物种。面对"保护优先"与"民生所 盼"的辩证命题，人民银行怒江州分行先后出台《金融支持高黎贡山区域生物多样性保护实施方案》 《怒江州金融支持民族团结进步示范区建设推动乡村全面振兴工作方案》等政策，指导全州金融机构紧 扣"念好山水经、打好生态牌"的发展思路，做好金融"五篇大文章"。 产业蝶变：林下经济结出"生态硕果" 政策的落地，滋润了特色产业的转型升级。 在贡山独龙族怒族自治县普拉底乡的密林中，草果紫红色的果实如繁星点缀。近年来，怒江银行业 以"龙头企业+合作社+农户"模式打造全产业链金融，帮助草果产业搭上"金融快车"，实现从深山珍宝到 国际香料的蜕变。 怒江峡谷优果农产品有限公司的现代化烤房里，82台风机烘烤着草果，空气里弥漫着辛辣香气。"300 万'林下经济贷'到位后，我们的产能翻了两番！"怒江峡谷优果农产 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) plays a significant role in supporting rural revitalization through financial services, having invested over 11 trillion yuan in the agricultural sector since 2021, with agricultural loan balances reaching nearly 5 trillion yuan by June 2025, doubling since early 2021 [1][12]. Group 1: Financial Support for Rural Revitalization - ICBC has provided over 11 trillion yuan in financing for the agricultural sector since 2021, with agricultural loan balances nearing 5 trillion yuan by June 2025, reflecting a doubling since early 2021 [1][12]. - The bank aims to enhance rural living conditions by investing in infrastructure projects, such as wastewater treatment facilities and public sanitation improvements, benefiting over a hundred administrative villages [3][4]. - As of June 2025, ICBC's loans for rural infrastructure construction exceeded 1 trillion yuan, emphasizing the importance of infrastructure in rural governance [5]. Group 2: Industry Development and Financial Innovation - ICBC focuses on enhancing rural industries by providing tailored financial services, such as a 160 million yuan loan to support the bamboo industry in Zhejiang, promoting resource integration and development [6][7]. - The bank has developed specialized financial products like "Planting e-loan" and "Breeding e-loan" to meet the specific needs of farmers, facilitating easier access to financing [8][10]. - ICBC has established over 3,400 agricultural supply chains, addressing funding gaps and enhancing market access for rural enterprises [7][10]. Group 3: Empowering Farmers and Talent Development - ICBC has initiated programs to support new farmers, providing financial education and tailored loans, which have helped entrepreneurs grow their agricultural businesses significantly [9][11]. - The bank's "Agricultural Operating Entity Credit Express" and other initiatives aim to streamline financial services for farmers, ensuring that their harvests translate into tangible income [10][12]. - ICBC's "Rural Revitalization: Guiding People" initiative integrates quality financial services with farmer training programs, enhancing farmers' skills and financial literacy [11][12].

Core Viewpoint - The Dali branch of the Industrial and Commercial Bank of China (ICBC) has been recognized as a "National Civilized Unit," reflecting its commitment to serving the local community and promoting cultural heritage through financial services [1][2]. Group 1: Civilized Creation and Social Responsibility - The Dali branch integrates the cultivation and practice of socialist core values into its daily operations, fostering a positive atmosphere of virtue and excellence [2]. - The branch has received multiple accolades, including the National Financial Labor Award and recognition as a Model Workers' Home, showcasing its commitment to employee welfare and excellence [2]. - A number of exemplary figures have emerged from the branch, enhancing team cohesion and driving high-quality development [2]. Group 2: Financial Contributions and Innovations - The Dali branch has established a "Five Major Articles" work mechanism to support local economic initiatives, focusing on key sectors such as energy, transportation, and manufacturing [3]. - The branch ranks second in loan growth among peers, with a significant increase in loans for strategic emerging industries and green finance initiatives [3]. - Since 2009, the branch has invested a total of 1.474 billion yuan in environmental protection efforts, particularly for the Erhai Lake [3]. Group 3: Community and Elderly Services - The Dali branch prioritizes community service, enhancing financial services for the elderly and providing over 1,000 personalized services [4]. - The branch has developed platforms to assist migrant workers, ensuring they have access to essential banking services [4]. - Innovative financial products for youth, such as the "Mengwa Card" and "Baby Growth Card," have been introduced to support financial literacy among children [4]. Group 4: Philanthropy and Environmental Initiatives - The Dali branch has engaged in significant philanthropic efforts, donating a total of 1.22 million yuan to support poverty alleviation and rural revitalization [5]. - Employees have participated in over 100 volunteer activities, contributing approximately 300 hours to community service [5]. - The branch actively promotes environmental protection through various initiatives, including the "Three Cleanups" campaign in the Erhai Lake basin [5].