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 ...

Core Viewpoint - The China Bank Yunnan Branch is actively implementing innovative measures to support the local economy, rural revitalization, and public welfare, demonstrating its commitment to national strategies and local government requirements [1] Group 1: Industrial Revitalization - The China Bank Yunnan Branch is providing targeted financial support to the "Three Seven Capital" in Wenshan Prefecture, which produces over 90% of China's traditional Chinese medicine, Sanqi, by offering more than 200 million yuan in inclusive financial credit [2] - The bank has developed tailored credit solutions for Yunnan's key industries, including "Cloud Flower Loan," "Cloud Vegetable Loan," and others, to support highland specialty agricultural products and facilitate their export [3] Group 2: Financial Services for the Public - The bank has implemented a special customer service plan to assist clients in urgent situations, such as activating social security cards for medical expenses, showcasing its customer-centric approach [4] - The bank has established a multi-channel mediation mechanism to resolve financial disputes, significantly increasing the number of disputes resolved compared to the previous year [4] Group 3: Rural Revitalization - Since May 2021, the bank has invested over 2.11 million yuan in poverty alleviation efforts in Menggang Village, focusing on infrastructure, industry development, and community services, leading to a significant increase in local income [6] Group 4: Talent Attraction - The bank launched the "Gathering Talent Card," integrating foreign work permits with financial services, enhancing the experience for foreign talents in Yunnan and supporting the region's goal of becoming a talent hub for South Asia and Southeast Asia [7]

Group 1: Financial Support for Agriculture - Financial institutions can provide funding support for agricultural development, stimulating its potential [1] - China Bank Yunnan Branch leverages local resource advantages to promote highland characteristic agriculture in Yunnan [1] - The bank implements innovative models to meet industry needs and extends the industrial chain for high-quality development [1] Group 2: Financing Solutions for Tea and Coffee Industry - The tea and coffee industries in Yunnan face financing bottlenecks due to light asset operations and lack of collateral [2] - China Bank has launched "Yun Tea Loan" and "Yun Coffee Loan" to address these challenges [2] - The bank has issued loans totaling over 55 million yuan to 17 coffee enterprises and over 79 million yuan to 31 tea enterprises [3] Group 3: Diverse Guarantee Methods - China Bank has introduced a "Six-Dimensional Guarantee Matrix" to provide various collateral options for tea and coffee enterprises [2] - The matrix includes credit, property mortgage, shareholder guarantees, export policy pledges, accounts receivable pledges, and intellectual property pledges [2] - Specific loans issued include 5 million yuan for a trade company, 10 million yuan for a tea company, and 8 million yuan for a coffee company [2] Group 4: Support for Flower Industry - The flower industry in Yunnan is expanding, but it faces challenges such as insufficient technical investment and lack of scale [4] - China Bank has developed the "Yun Flower Loan" to support financial needs in the flower industry [4] - The bank collaborates with stable upstream suppliers to provide credit support for procurement and expansion [4] Group 5: Impact of Financial Support on Production - A flower planting company received 3 million yuan in loans to upgrade its irrigation system, doubling its production efficiency [5][6] - The company improved its production management through scientific planting methods and digital management [6] - Another company received 15 million yuan to expand production lines and increase store numbers [6] Group 6: Technological Empowerment in Agriculture - China Bank has introduced the "Star Hui Nong" loan, utilizing satellite remote sensing technology to assess agricultural land for loans [7] - This technology helps in evaluating the authenticity and growth of crops, enhancing credit management and risk assessment [7] - The initiative aims to improve the digital and informational level of rural financial services for small and micro enterprises [7]

Core Viewpoint - Fudian Bank is leveraging its geographical advantages in Yunnan to implement a differentiated development strategy, focusing on local financial services and cross-border connectivity, thereby supporting regional economic growth through innovative financial products and services [1][4]. Group 1: Financial Support for Local Industries - By the end of 2024, Fudian Bank has provided loans totaling 37.822 billion yuan to support local industries such as specialty agriculture and cultural tourism, benefiting over 284,600 small and micro enterprises [1]. - The bank has introduced personalized financial solutions like "tax refund financing" to alleviate cash flow pressures for local businesses, exemplified by a green food company that received an 8 million yuan loan [2]. - Fudian Bank's "Cloud Agriculture Loan" series has addressed financing issues for nearly 148,100 farmers, with a loan balance of 18.8 billion yuan [3]. Group 2: Tourism and Cultural Finance - Fudian Bank has developed specialized financial products for the tourism sector, such as the "Golden Travel Loan," which has evolved over eight years to support the development of a world-class health and wellness tourism destination [4][5]. - The bank has disbursed over 174.52 million yuan through the "Golden Travel Loan," serving more than 310 tourism-related entities [5]. - The bank's financial support has enabled local accommodations to upgrade and attract more visitors, enhancing the overall tourism experience [4]. Group 3: Cross-Border Financial Services - Following the opening of the China-Laos Railway, Fudian Bank has established the "Futong Lancang-Mekong" cross-border financial brand to facilitate trade and tourism between China and Southeast Asia [6]. - In 2024, Fudian Bank's Xishuangbanna branch processed 294,000 transactions worth 3.749 billion yuan through cross-border settlement services, significantly boosting local economic activity [6]. - The bank has implemented various measures to enhance financial services for foreign visitors, including the installation of ATMs at border stations and simplified account opening procedures for foreign nationals [7][8].