转自：新华财经 在八桂大地的青山绿水间，工商银行柳州分行正以金融之笔勾勒乡村振兴的生动画卷。该行聚焦兴村、 兴业、兴民，创新推出"种植E贷"、"养殖E贷""金桔贷"和"兴农E贷"等特色涉农信贷产品，以适农化、 特色化金融服务助力乡村振兴。截至2025年10月末，该行涉农贷款余额47.61亿元，较年初增6亿元，其 中普惠型涉农贷款余额11.89亿元，增幅达28%。 "数据增信"破解养殖融资难。在养殖户林先生的智能化猪舍里，自动喂料系统正精准投喂着1.6万头生 猪。"猪舍建好了，设备也装了，可是还缺买饲料的钱，幸亏办了工行270万元的'养殖E贷'。"养殖户林 先生介绍到。该养殖户在升级智能化猪舍，即将原有的养殖设施升级为配备电梯的三层标准化猪舍，同 时在猪舍中安装了自动喂料系统和能精准控温控湿的环控系统后，面临流动资金短缺的难题。工行柳州 分行在了解客户的资金难题后，实地调研其养殖情况和资金需求，根据其养殖场的出栏成活率等"养殖 数据增信"，为其办理了"养殖E贷"，且提供利率优惠，有效解决了养殖户的资金难题。该行以"养殖E 贷"为重点产品，加大对养殖领域的支持，截至10月末，该行通过"养殖E贷"，累计为养殖户提供 ...

Core Viewpoint - The company emphasizes the importance of building a credit system to support rural revitalization and promote inclusive finance, focusing on enhancing financial services for the real economy [1]. Group 1: Credit System Construction - Since 2022, the company has developed targeted credit products like "Grain Farmer Loan" and "Crab Farmer Connection" to support food security and key rural industries [2]. - In 2024, the company plans to enhance the coverage and adaptability of rural inclusive finance by collaborating with local government agencies to build an industry credit system based on credit information from upstream and downstream enterprises [2]. Group 2: Innovation in Financial Products - The company has created over ten multi-dimensional credit scoring models for agricultural entities, facilitating precise credit assessments based on various operational and credit conditions [3]. - New financial products such as "Xingnong E-loan" and "Xingnong Industry Loan" have been introduced to address the needs of modern agricultural operators and ensure financial support for farmers [3]. Group 3: Policy Support for Agriculture - The company employs various monetary policy tools to increase and reduce the cost of inclusive loans for agriculture, addressing the uncertainties in the agricultural sector [4]. - Collaborative efforts with local governments and insurance companies have led to risk-sharing mechanisms that significantly lower financing costs for agricultural entities [4]. - The company is committed to long-term efforts in building a robust credit system to contribute to rural revitalization and agricultural modernization [4].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Wuzhou Tengxian Branch is actively implementing financial policies to support rural revitalization, focusing on inclusive finance and successfully launching its first "Xingnong E-loan" of 3 million yuan to promote agricultural development [1][2]. Group 1: Financial Initiatives - The bank has prioritized inclusive finance as a key area of work, closely monitoring local government policies and engaging with various departments to support rural revitalization efforts [1]. - The successful launch of the "Xingnong E-loan" is part of the bank's strategy to deepen its presence in rural markets and enhance financial services for agricultural enterprises [2]. Group 2: Agricultural Development - Tengxian County has been cultivating key agricultural products such as Dahuang Bajiao, Powdered Cassava, Lychee, and Liubao Tea, with significant recognition for its agricultural strengths [1]. - The county's agricultural output has shown steady growth, with pig production reaching 495,300 heads (up 3.4%), fruit production at 339,900 tons (up 5.2%), and tea production at 1,884.58 tons (up 26.2%) [1].