中国人民银行黑龙江省分行深入贯彻落实习近平总书记视察黑龙江省期间的重要讲话和重要指示精神， 牢记"中国粮食、中国饭碗"殷切嘱托，坚持以做好"三农"金融服务为头等大事。2023年以来，以创建金 融支持乡村振兴先行先试样板区为引领，推动全省金融机构探索出一套符合现代化大农业发展特点的龙 江经验。全省涉农贷款由2023年初的9296.1亿元，提升至2025年11月末的10294.3亿元。截至11月末，全 省农户贷款余额2375.6亿元，同比增长11.6%，比年初增加245.3亿元；农业贷款余额2631.9亿元，同比 增长11.0%，比年初增加235.1亿元；农村贷款余额5455.4亿元，同比增长7.4%，比年初增加266.5亿元。 金融助力黑龙江省粮食实现"二十二连丰"，今年粮食总产量达到1640亿斤，连续16年位居全国第一。 一、加强联动协同，深化顶层设计，构建金融服务乡村振兴全方位政策支持体系 中国人民银行黑龙江省分行坚持把金融服务乡村振兴摆在突出位置，强化组织领导和顶层推动，系统谋 划、整体协同，为全省农业农村现代化注入强劲金融动能。一是党委高度重视，专班推进落实。分行党 委坚决扛起政治责任，将服务乡村振兴列 ...

勇探金融创新，激活低碳转型新动能。该行将企业碳账户作为落实"双碳"战略的核心抓手，有效促 进碳汇资源向金融资源的转化，加速转型金融落地实践。率先落地多项创新产品，包括省内首笔"农业 转型+可持续挂钩"贷款、分行首笔碳账户优惠贷款、可持续挂钩贷款以及可再生能源补贴确权贷款 等，累计实现信贷投放8400万元。同时，创新定价机制，依据企业碳排放表现实施差异化、引导性的优 惠利率政策，有效降低了绿色转型企业的融资成本，激发企业内生减排动力。 践行大行担当，共筑青藏生态安全屏障。该行始终将经济责任与社会责任有机统一，争做生态文明 建设的坚定守护者和积极贡献者。深度参与生态保护修复，与三江源生态保护基金会战略合作，捐资建 设"中国工商银行黄河上游千亩经济生态公益林项目"，2022年至2024年共完成造林430余亩，栽植苗木 3.6万余株，为筑牢黄河上游及青藏高原生态屏障添绿增彩。创新设计发行"大美青海·三江源"贵金属产 品，加大文化宣传力度、提升环保意识，实现公益价值与金融价值的融合互促。积极组织员工参与"一 元钱一滴水 爱我三江源""我为高原种棵树""饮水思源·探秘三江源"系列公益活动，营造守护"中华水 塔"的浓厚社会 ...

坚定深化"四贷联动"服务模式 工行苏州分行坚持"金融为民"，以满足小微企业需求为服务宗旨，做好首贷、信用贷、无还本续贷、转 贷"四贷联动"，深化支付结算、经营流水、知识产权等大数据应用，完善行内信用评价模型，构建大数 据模型科学测算授信额度，推动风险控制前移，为广大小微企业提供预授信。创新推出挖机e贷、国网 电力贷、太仓农贸贷、科创企业贷等产品，降低小微企业融资对抵押担保的过度依赖，显著扩大服务覆 盖面。今年以来，该行服务小微企业首贷户近1500户，较上年同期多增350余户。信用贷款发放金额和 户数显著增长，截至2025年11月末，该行小微企业信用贷款余额超350亿元，较年初增长超100亿元，增 幅达40%。 坚定秉持"政策+服务"双轮驱动 转自：新华财经 近年来，苏州市延续"工业立市"传统，着力打造1030现代产业体系，通过智转数改网联和绿色发展，推 动制造业向高端化、智能化、绿色化转型，赋能新质生产力发展。 在此进程中，工商银行苏州分行始终秉持金融服务实体经济的宗旨，以金融为笔墨，提升服务能力，做 到"五个坚定"，重点加大民营企业、制造业等领域信贷支持，当好服务实体经济主力军，为民营企业稳 健发展注入信心 ...

党建引领筑根基治理效能再提升 甘肃始终把党建引领作为基层治理的根本保证，构建起"一盘棋"组织体系，推动优质资源和力量向基层 汇聚。 甘南州推行"群众工作五个全覆盖"行动，以党建凝聚民心、汇聚合力，让党的旗帜在基层一线高高飘 扬；兰州基层统战工作者化身"连心桥"，在网格间传递石榴籽情怀，推动互嵌式社区建设，让民族团结 之花常开长盛。 在机制创新中破解治理难题，甘肃各地亮点纷呈。武威市推广"坐着能说，说了管用"的基层协商模式， 让群众诉求得到高效回应；瓜州县以方言普法、盲盒抽奖等"走心"方式传播宪法精神，让法治理念融入 日常生活；清水县法院通过"巡回审判"进乡村、观摩实战强本领等举措，将司法服务送到群众家门口， 让公平正义触手可及。 图为技术 中新网甘肃新闻12月16日电 甘肃省近年来在社会治理精细化、公共服务优质化、民生保障多元化等方 面持续发力，通过一系列有温度、有力度、有创新的实践举措，让群众的获得感成色更足、幸福感更可 持续、安全感更有保障，绘就出一幅共建共治共享的善治画卷。 民生保障无死角幸福底色更厚重 从"一老一小"到困难群众，从就业创业到健康医疗，甘肃始终把民生实事办到群众心坎上。 人员进行气密性试 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Qingdao Branch is actively implementing the central government's rural revitalization strategy by providing targeted financial support to rural industries through innovative financial products and collaborative efforts with government and enterprises [1][2]. Group 1: Financial Products and Innovations - ICBC Qingdao Branch has developed a digital inclusive financial product system, including "Breeding e-loan" and "Planting e-loan," to address the unique challenges of the agricultural sector, such as seasonality and lack of collateral [1]. - The bank utilizes big data risk control models and industry chain evaluation mechanisms to convert farmers' production data and agricultural enterprises' operational cash flow into financing currency, significantly increasing the proportion of credit loans [1]. Group 2: Support for Small and Micro Enterprises - The branch has established a coordination mechanism to support financing for small and micro enterprises and farmers, conducting initiatives like "Thousand Enterprises and Ten Thousand Households Visits" to tailor comprehensive financial service plans [2]. - The Qingdao Branch has launched a special column to showcase successful cases of inclusive finance and rural revitalization, providing a model for the entire bank's inclusive finance efforts [2]. Group 3: Case Studies of Financial Support - The Shinan Branch has successfully provided nearly 500 million yuan in loans to over 200 breeding households through the "Breeding e-loan" product, addressing the financing difficulties faced by farmers and promoting the integration and upgrading of the breeding industry [2]. - The Huangdao Branch customized a "Breeding e-loan" financing plan for a technology-based aquaculture company, approving 2.2 million yuan to help the company expand its capacity and ensure a stable supply of quality shrimp seedlings and high-end feed [5]. - The Pingdu Branch identified a seed company in need of financing for expansion and quickly provided a 500,000 yuan credit loan through the "Planting e-loan," supporting the construction of standardized seedling greenhouses [7]. Group 4: Overall Impact on Rural Revitalization - ICBC Qingdao Branch's inclusive finance initiatives are effectively supporting various sectors, enhancing agricultural productivity, and contributing to the coordinated development of urban and rural areas [9].

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively implementing inclusive finance strategies, focusing on innovation and precise services to enhance financial support for key industrial clusters, industrial parks, and rural revitalization initiatives [1][2] Group 1: Financial Products and Services - The bank has customized financial products such as "Transaction e-loan" and "Merchant e-loan" for local industries, resulting in over 600 million yuan in new loan disbursements by the end of October, significantly enhancing credit services across 31 key industrial clusters and specialized markets [1] - Two core products, "Purchase and Construction Loan" and "Industrial e-loan," have been introduced to alleviate the financial burden on enterprises in industrial parks, with over 600 million yuan in inclusive loans disbursed to more than 200 small and micro enterprises by the end of October [1] Group 2: Support for Local Enterprises - The bank has established a dynamic financing demand matching mechanism to support the "Yushang Return" initiative, providing priority service channels for quality enterprises and promoting products like "Industrial e-loan" and "New Generation Business Quick Loan" [2] - By the end of October, the bank has issued over 60 million yuan in loans to enterprises involved in the "Yushang Return" initiative, significantly reducing financing costs through a combination of services, products, and policy incentives [2] Group 3: Agricultural and Rural Development - The bank prioritizes agricultural and rural development as a core aspect of inclusive finance, launching online and convenient agricultural financial products such as "Agricultural e-loan," "Planting e-loan," and "Breeding e-loan" to meet diverse financing needs [2] - These products effectively support local agricultural industries, including the production and sales of specialty crops like Shatian pomelo and medicinal herbs, injecting vital financial resources into rural revitalization efforts [2]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Hechi Branch is enhancing its financial support for small and micro enterprises, focusing on key areas such as agriculture and rural development, with a net increase of 425 million yuan in inclusive small and micro enterprise loans, representing a growth of 25.23% as of September 30, 2025, which is higher than the overall loan growth rate [1][2] Group 1 - The bank has placed inclusive finance at the core of its development strategy, establishing a dedicated task force and regularly holding communication meetings to optimize its inclusive finance business development plan [1] - The internal assessment mechanism has been improved, increasing the weight of inclusive finance and rural revitalization in KPI evaluations to guide branches in allocating more credit resources to these areas [1] - The bank is enhancing training for frontline staff and customer managers to improve service quality and professionalism in serving small and micro enterprises [1] Group 2 - The bank is implementing a "one enterprise, one policy" approach to address the diverse financing needs of small and micro enterprises, conducting outreach activities to understand client pain points [2] - Tailored financial service plans are being developed based on industry characteristics and client needs, leveraging innovative products like industrial e-loans and agricultural e-loans to meet financing demands [2] - Risk management is prioritized to ensure sustainable and high-quality development, with a focus on comprehensive risk control throughout the loan process [2]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively responding to the call for financial services transformation, integrating digitalization to enhance the coverage, accessibility, and satisfaction of inclusive financial services [1][2] - By September 2025, the bank's network financing business loan balance is expected to exceed 2.7 billion yuan, significantly contributing to the high-quality development of the local economy [1] Group 1: Digital Transformation and Financial Products - The bank is innovating digital inclusive financial products to address financing challenges, promoting online products such as "New Generation Business Quick Loan," "Chain Group Transaction e-Loan," and "Cluster Merchant e-Loan" [1] - A case study illustrates the efficiency of these services, where a local spice business received a loan approval of 300,000 yuan on the same day of application, showcasing the effectiveness and convenience of digital inclusive financial services [1] Group 2: Targeted Marketing and Rural Development - The bank employs a three-dimensional driving model of "digital technology + scenario ecology + multi-party cooperation" to enhance inclusive finance by expanding its reach and improving service quality [2] - It has developed rural digital inclusive finance as a key path for supporting rural revitalization, launching online agricultural credit products like "Agricultural e-Loan," "Breeding e-Loan," and "Planting e-Loan" to support local agricultural industries [2] - The establishment of 12 "Xingnong Tong" rural inclusive financial service points aims to deliver financial and non-financial services efficiently to rural areas, addressing the last mile of financial service delivery [2]

Core Points - Inner Mongolia Mingquan Agricultural and Animal Husbandry Co., Ltd. successfully obtained 5 million yuan financing through the "Central Bank Credit Pass," marking the first successful implementation of this financing service in Inner Mongolia [1] - The "Central Bank Credit Pass" is a credit market service platform established by the People's Bank of China, aimed at facilitating financing connections and policy transmission, enhancing the precision and directness of credit policy transmission [1] - The financing was crucial for the company, which specializes in dairy cattle breeding, as it faced difficulties in cash flow and required immediate financial support [1] Financing Process - The People's Bank of China Inner Mongolia Branch assigned personnel to assist the company in registering for the "Central Bank Credit Pass" and successfully submitted the financing application [1] - After the application was submitted online, the Bank of Communications Baotou Branch quickly responded by matching the company with a tailored breeding loan product and increased the credit limit through third-party guarantees [1] - The entire process from application to funding took only 2 days, demonstrating high efficiency in bank-enterprise connections and providing a practical example for promoting the "Central Bank Credit Pass" financing service across the region [1]

Core Viewpoint - The launch of the People's Bank of China's credit market service platform, "Central Bank Credit Connect," is seen as a significant measure to alleviate corporate financing difficulties and optimize credit resource allocation [1][4]. Group 1: Platform Features - "Central Bank Credit Connect" offers three main functions: publishing financing needs, selecting financial products, and accessing policy information [2][3]. - Enterprises can independently fill out financing needs and choose suitable financial products from those published by banks, enhancing their ability to connect with financial institutions [2]. - The platform allows businesses to browse financial products like an online store, providing them with more autonomy and choice in the financing process [4]. Group 2: Impact on Financing - The platform aims to provide efficient and convenient financing information matching services, addressing the information asymmetry between supply and demand in the credit sector [4]. - It is expected to significantly improve the financing situation for small and micro enterprises, as well as individual businesses, by facilitating better access to financial resources [4]. - Financial institutions are likely to gain new clients through the platform, which may enhance overall service efficiency and coverage in the financial system [4]. Group 3: Implementation and Results - Since its launch over a month ago, multiple financing transactions have been successfully executed in regions such as Yunnan, Jiangxi, Liaoning, and Inner Mongolia [6]. - A notable case involved Inner Mongolia Mingquan Agricultural and Animal Husbandry Co., Ltd., which secured 5 million yuan in financing through the platform, demonstrating its operational effectiveness [6]. - The rapid processing of financing requests, with a notable case completed in just two days, highlights the platform's potential to improve the efficiency of bank-enterprise interactions [6].