Group 1 - The core viewpoint highlights the successful implementation of a credit system in Ningde City, which has significantly improved the financial situation of local farmers and businesses, particularly in the aquaculture and agricultural sectors [1][2][3] - The establishment of a dual-driven mechanism combining government leadership and market collaboration has led to the creation of a unique financial ecosystem in the region, with various credit ratings assigned to towns and villages [1] - As of the first quarter of 2025, the financial institutions have issued credit loans totaling 86.5 billion yuan, representing a 130% increase since 2019, showcasing the effectiveness of the credit system [1] Group 2 - In the credit tea area, a model involving leading tea enterprises and local farmers has resulted in a loan balance of 20.3 million yuan, benefiting 751 tea farmers and increasing their average income by 27% over six years [2] - The establishment of a credit cooperative in Fuda Village has transformed the traditional agricultural village into a financially viable entity, with 45.65 million yuan in credit funds activating 5,200 acres of pear orchards [2] - The average income of farmers in Ningde City has risen from 17,800 yuan in 2019 to 26,300 yuan in 2024, reflecting an annual growth rate of 8.2% and a reduction in urban-rural income disparity [3]