■本报记者 余连斌 "180万元优惠贷款真是'及时雨'，让我们顺利补栏增养，稳住了生猪供应。"广安市臻福祥种植养殖专 业合作社负责人吴志红告诉记者，受流动资金短缺影响，合作社一度面临养殖规模收缩的困境，农行广 安分行的信贷支持让企业重拾发展信心。 "从最初的几百万元到如今累计超3200万元支持，没有农行的信用贷款，我的葡萄园扩建计划根本落不 了地。"在四川广安华蓥市阳和镇的千亩葡萄种植基地里，基地负责人汪珣指着挂满枝头的果实，向 《农村金融时报》记者算起了"信用账"。今年年初，凭借"信用村农户"身份，她顺利获得农行广安分行 570万元贷款，破解了扩大种植规模的资金难题。 汪珣的融资故事，是农行广安分行深耕农村信用体系建设、赋能地方经济发展的生动缩影。近年来，该 分行紧扣"征信为民"理念，以服务信贷、服务实体、服务群众为核心，将金融资源精准滴灌到乡村振兴 和实体经济的关键领域，用金融力量绘就广安高质量发展新图景。 信用筑基 织密乡村金融服务网 "以前贷款要跑好几趟，还要找担保人，现在在村里就能办，手机上点一点钱就到账了。"广安区龙安乡 群策村村民张大爷的感慨，道出了农村金融服务的变迁。这份便利，源于农行广安分行 ...

Core Viewpoint - The People's Bank of China in Xingan League is actively promoting financial technology to enhance financial services in rural areas, particularly supporting agriculture and livestock development, thereby contributing to rural revitalization [1][2]. Group 1: Financial Technology Implementation - The Xingan League's banks are building an online service matrix and improving offline service networks to increase accessibility for farmers, allowing them to enjoy efficient financial services without leaving their villages [2]. - The Industrial and Commercial Bank of China (ICBC) in Xingan League has promoted the "Xingnongtong" app, which integrates village management, agricultural product information, and financial services, with 22,945 new users and approximately 6,000 personal clients served by August 2025 [2]. - The Postal Savings Bank of China has established a fully online credit system, reducing approval times to under 10 minutes and increasing efficiency by over 90% [2]. Group 2: Credit Innovation and Support - The People's Bank of China in Xingan League is advancing the "Financial Technology Empowering Rural Revitalization Demonstration Project," guiding financial institutions to innovate credit products tailored to local agricultural and livestock industries using advanced technologies [3]. - Agricultural Bank of China has launched several online credit products, including "Grain Storage Loan" with a total of 60.55 million yuan and "Huinong e-loan" with 16.246 billion yuan, benefiting over 60,000 farmers [3]. - The Bank of China in Ulanhot has established a high-standard farmland construction supervision platform, providing over 30 million yuan in loans for key projects [4]. Group 3: Risk Management and Service Efficiency - The People's Bank of China in Xingan League is guiding financial institutions to optimize risk control systems and expand service scenarios through technology, enhancing service efficiency [4]. - The Postal Savings Bank has implemented remote video loan inspections, improving inspection efficiency by over 50%, and utilized satellite remote sensing for accurate pre-loan investigations, increasing accuracy by over 30% [4]. - Various banks are exploring new paths for integrating financial services with rural life, such as the "Weican Tong" system in schools benefiting over 10,000 students [4]. Group 4: Agricultural Support and Consumer Activation - By August 2025, the total online loan products for agriculture in Xingan League exceeded 20 billion yuan, serving over 100,000 farmers and new agricultural operators [5]. - The Inner Mongolia Bank collaborated with Meituan to launch the "Food Enjoyment Plan," activating rural consumption with 1,890 orders redeemed [5]. - Financial technology initiatives have made rural financial services in Xingan League more efficient and accessible, enhancing the overall service experience for farmers [5].