记者日前从上海农商银行获悉，该行通过创新金融模式与精准服务，深度赋能乡村产业升级，助力提升 乡村建设、乡村治理水平，绘就一幅从"支持一个项目"到"赋能一类模式"、从"服务一个村庄"到"润泽 一片乡村"的生动图景。 在上海青浦区练塘镇东厍村，一处名为"满山乡遇"的精致康养文旅项目正在开展。该项目是青浦区积极 响应国家乡村振兴及长三角绿色生态一体化发展战略，以乡村田园为核心场景，围绕"居住+餐食+乡野 +疗愈"打造的整村运营项目，其采用的"村民+村集体+企业"合作模式，是当前盘活农村闲置资产、发 展乡村新业态的典型路径。然而，项目方在推进中面临担保支撑不足、经营基础薄弱、回报周期较长等 融资瓶颈。 上海农商银行没有拘泥于传统信贷思维，而是量身定制全周期、组合式综合服务方案：针对项目初期启 动资金需求，该行依托"乡村振兴绿色审批通道"，发放300万元个人经营性贷款，有力保障首期民宿的 顺利启动；随着项目进入滚动开发阶段，该行又精准追加2450万元资金支持，助力后续民宿、餐饮及乡 野等板块建设。 通过"流贷+固贷+个人经营贷+宅基地住宅更新改造贷"的产品组合及"信贷+"一揽子服务方案，以及"阶 段跟进、灵活安排"的服 ...

在长三角一体化发展的浪潮中，乡村振兴已成为国家战略的重要支点。上海农商银行通过创新金融模式 与精准服务，深度赋能乡村产业升级，助力提升乡村建设、乡村治理水平，绘就一幅从"支持一个项 目"到"赋能一类模式"、从"服务一个村庄"到"润泽一片乡村"的生动图景。 从单点突破到系统破局：打造可复制的三农金融范式 在青浦区练塘镇东厍村，一处名为"满山乡遇"的精致康养文旅项目正悄然生长。白墙黛瓦的民宿错落有 致，改造一新的农房与田园风光相映成趣，昔日的"闲置资源"正蝶变为带动村民共富的"活力引擎"。该 项目是青浦区积极响应国家乡村振兴及长三角绿色生态一体化发展战略，以乡村田园为核心场景，围 绕"居住+餐食+乡野+疗愈"打造的整村运营项目，其采用的"村民+村集体+企业"合作模式，是当前盘活 农村闲置资产、发展乡村新业态的典型路径。然而，项目方在推进中面临担保支撑不足、经营基础薄 弱、回报周期较长等融资瓶颈。 上海农商银行没有拘泥于传统信贷思维，而是深入项目肌理，量身定制全周期、组合式综合服务方案： 针对项目初期启动资金需求，该行依托"乡村振兴绿色审批通道"，发放300万元个人经营性贷款，有力 保障首期民宿的顺利启动；随着项目 ...

在长三角一体化发展的浪潮中，乡村振兴已成为国家战略的重要支点。上海农商银行通过创新金融 模式与精准服务，深度赋能乡村产业升级，助力提升乡村建设、乡村治理水平，绘就一幅从"支持一个 项目"到"赋能一类模式"、从"服务一个村庄"到"润泽一片乡村"的生动图景。 从单点突破到系统破局：打造可复制的三农金融范式 为进一步发挥涉农交易数据在信贷领域的价值，该行与市农交所通过"金融+交易"合作，推出农村 产权流转交易领域上海首个创新金融产品"农地鉴证贷"，并发放全市首笔基于农村土地流转交易鉴证的 贷款。该产品面向各类承包或流转本市农地的涉农经营主体，无需抵押，依托农交所平台农地交易鉴 证，可快速获得银行资金支持，助力促进土地流转与农业规模化发展。 针对部分乡村地区治理资源有限、长效激励机制缺乏等挑战，该行联合青浦区白鹤镇政府创新推 出"金融+积分"模式，打造"乡村治理积分管理系统"，将村民的文明行为、志愿服务、环境保护等积极 行动转换为可量化的信用资产，将原本纸质记录的积分制工作升级为线上操作，激发村民投身美丽乡村 建设的积极性，推动构建共建共治共享的乡村治理共同体。 近年来，上海农商银行深耕细作，截至2025年三季末，涉 ...

Core Viewpoint - Tianjin is focusing on the development of urban agriculture, leveraging its unique advantages and addressing the growing demand for high-quality agricultural products in the Beijing-Tianjin-Hebei urban agglomeration, which has over 35 million residents [1] Group 1: Urban Agriculture Development - Tianjin is the only province among seven major grain sales areas to receive an excellent rating in farmland protection assessments, ensuring a nearly 70% self-sufficiency rate in staple food production [1] - The city has launched a comprehensive action plan for rural revitalization, emphasizing the creation of a modern urban agriculture upgrade version as a primary focus [1] - Urban agriculture is increasingly seen as integral to urban-rural integration, requiring financial support to facilitate its development [1] Group 2: Financial Innovations - Tianjin Rural Commercial Bank has introduced the "Agricultural Land Certification Loan" to address financing challenges faced by new agricultural operators, allowing them to apply for loans through an online platform [5] - The bank's innovative approach includes sharing land transfer contracts and operational conditions to streamline loan approval processes, significantly reducing the time required for offline investigations [5] - Financial institutions are actively supporting the integration of farmland to enhance agricultural efficiency and improve land utilization [5] Group 3: Agricultural Production and Market Adaptation - In response to limited arable land, there is a push for land consolidation and resource optimization to enhance agricultural productivity [9] - The introduction of modernized greenhouses in villages is aimed at improving crop quality and aligning production with market demands, reflecting a shift towards high-quality agricultural practices [10][11] - Financial support from banks has been crucial in facilitating the establishment of modern agricultural facilities, enabling farmers to adapt to changing consumer preferences and improve their income [10][12]

Core Insights - Tianjin has a strong necessity and relative advantages in developing urban agriculture, driven by the high demand for quality and safe agricultural products from its population of over 35 million in the Beijing-Tianjin-Hebei urban agglomeration [1] - The city is the only one among seven major grain sales areas to receive an excellent rating in land protection assessments, ensuring a nearly 70% self-sufficiency rate in staple food production [1] - The "14th Five-Year Plan" emphasizes modernizing agriculture and rural areas, with a focus on upgrading urban agriculture [1] Financial Support and Innovation - Financial institutions are innovating to support urban agriculture, addressing the mismatch between traditional business models and the needs of new agricultural operators [4][5] - Tianjin Rural Commercial Bank launched the "Land Certificate Loan" to facilitate financing for farmers like Yao Xingyong, who faced funding gaps due to expanded planting [5] - The bank's innovative approach includes using land transfer contracts to streamline loan applications, significantly reducing the time required for approval [5] Agricultural Efficiency and Resource Utilization - High-standard farmland construction projects in Tianjin are supported by long-term loans from agricultural banks, enhancing land efficiency and addressing issues like soil salinization [6][8] - The construction of high-standard farmland has led to the transformation of 6,000 acres, with an additional 1,000 acres of new arable land created [8] - The integration of land resources and the promotion of mechanized farming are essential for improving agricultural productivity in urban areas [11] Modernization and Market Adaptation - Villages are adapting to market demands by modernizing agricultural practices, such as the establishment of standard planting gardens and advanced greenhouse facilities [12][13] - Financial support from banks has been crucial in enabling these transformations, with loans provided for infrastructure improvements and long-term agricultural projects [12][13] - The focus on high-quality agricultural products aligns with changing consumer preferences, leading to increased market recognition and sales through online platforms and community group purchases [13]