助力生产线升级 当清晨第一缕阳光洒在武夷山茶山上，茶农陈兴民正在茶厂里操控崭新的自动烘茶机。 这套30台设备组成的生产线，让他的茶厂年加工能力跃升至210吨——这背后，是农行南平分行首笔农 机分期贷款帮助传统制茶作坊实现了机械化生产。 曾经，茶企面临这样的困境——想批量采购揉捻机、烘干机，却因传统分期"一人一机一贷款"限制，不 得不为多台设备提交多次申请。"银行贷款最多只能贷2台，剩下的钱得东拼西凑。"陈兴民告诉《农村 金融时报》记者，这是福建武夷山茶产业升级背后面临的融资难点。 为有效破解这个融资难题，农行南平分行成立专项服务小组，带着笔记本走遍茶园茶厂，最终形成具有 可行性的调研报告，撬动政策创新——将多台农机打包为单一分期项目，单笔额度按实际需求核定。 ■本报记者 陈衍水 在乡村振兴与消费升级交汇点上，广大城乡居民的生产生活不断变化。农行福建南平分行坚持以人为 本，将农机分期、家居换新、绿色出行等消费场景嵌入城乡融合中，引金融活水穿透县域经济毛细血 管，更好满足千万居民多层次消费需求。截至今年5月末，该行分期余额15.61亿元，今年新增分期交易 额5.5亿元，服务居民2.3万户。 据悉，农行家装分期产品 ...

Group 1 - In 2024, China's grain production is expected to exceed 1.4 trillion jin, with per capita grain availability significantly above the internationally recognized safety line of 400 kg [1] - Financial institutions are actively providing support to farmers through innovative credit products and optimized financial services to ensure the successful harvest of summer grain [2][3] - The modernization of agricultural machinery, including the adoption of smart technology, is crucial for increasing grain production efficiency [4] Group 2 - Agricultural banks are offering specialized loans to support various stages of the agricultural supply chain, from production to processing and logistics [5] - A significant loan of 30 million yuan was provided to a food production company in Guangdong to assist in purchasing quality rice for their operations [6] - The establishment of digital agricultural platforms is enhancing the management of the entire grain production process, contributing to national food security [5]

转自：新华财经 据了解，"农行惠农农机分期业务"是专为农户设计，满足农户在合作农机经销商购买农业机械的消费需 求，具有手续简便、利率优惠、还款方式灵活等特点。单笔农机分期最高额度可达100万，期限最长3 年，农户还可以选择适合自己的还款计划。农行宁夏分行精准对接农机经销商与农户需求，加大与种粮 大户、家庭农场、农民专业合作社等农业经营主体对接，通过创新服务模式、优化审批流程、升级服务 系统等举措，形成了高效的业务推进机制，提升了服务效率和风险管控能力，为业务发展注入新动能。 截至5月末，农行宁夏分行累计投放惠农分期贷款1.42亿元、服务农户1400余户，其中农机分期贷款0.98 亿元，增量排名位居系统第一。 接下来，农行宁夏分行将进一步加大对自治区"六特"产业的支持力度，将葡萄酒庄、枸杞等产业的加工 机械纳入农机分期产品的服务范围中，同步完善线上化服务流程，推广"惠农分期"线上申请、审批和放 款功能。同时，加强与政府部门、农机经销商、农业合作社等合作，通过开展农机手培训，提升农户农 机使用技能，构建"金融+产业+服务"生态体系。 编辑：穆皓 芒种已至，"三夏"大忙。为压茬推进夏收、夏种和夏管机械化作业，夯实秋 ...

"提振消费"是当前经济领域的热词。在"扩内需、促消费"的大背景下，作为政策执行的重要主体，金融 机构如何在风险可控的前提下履行好责任，成为业内共同关注的课题。 "提振消费可以刺激企业扩大生产规模，增加就业岗位，进而提高居民收入，进一步促进消费，形成经 济增长的正反馈机制。"广西灌阳农商银行党委书记、董事长荣健智在接受《农村金融时报》记者采访 时表示，从宏观层面看，强大的消费市场能够增强经济的抗风险能力，缓解外部环境变化带来的压力。 "支持小微企业高质量发展是稳定宏观经济大盘、促进就业的现实需要，是推动经济转型升级的必然要 求和走好中国特色金融发展之路的应有之义。在'稳就业'方面，我行通过建立信贷资源、审批机制、营 销费用等一系列普惠金融业务倾斜政策，下沉金融服务重心，强化考核指挥棒作用，持续加大小微企业 支持力度。"桂林银行相关负责人告诉记者，截至今年一季度末，该行普惠型小微企业贷款余额431.01 亿元，较年初新增4.71亿元。 荣健智表示，灌阳农商银行通过一系列信贷支持与普惠金融手段助力小微企业稳定经营，进而稳定就业 岗位。在信贷支持方面，该行积极投放"桂惠贷"等优惠信贷产品，不断加大对小微企业的信贷投放 ...

Core Viewpoint - The article emphasizes the importance of enhancing consumer spending and financial capabilities to drive high-quality economic development, highlighting the role of financial institutions in implementing the "Special Action Plan to Boost Consumption" [1][8]. Group 1: Strategies to Boost Consumption - The Agricultural Bank of China (ABC) in Pu'er focuses on seven key areas to stimulate consumption, including collaboration with government and enterprises to promote trade-in programs [1]. - ABC has launched various credit card promotional activities targeting key consumption sectors such as food, tourism, and retail, resulting in a total of 120,000 yuan in benefits this year [2]. - The bank has optimized financial products and services, with personal consumption loans reaching 2.09 billion yuan, an increase of 112 million yuan since the beginning of the year [2]. Group 2: Financial Support for Small and Micro Enterprises - ABC has introduced tailored financial products for small and micro enterprises, including "Micro Loan" and "Science and Technology Loan," to address their unique financing challenges [5]. - The bank has implemented a "no repayment" renewal loan policy, providing 25.237 million yuan in support to nearly 33 clients, with a total loan balance for small enterprises reaching 4.998 billion yuan [6]. - ABC has established a professional service team to assist small businesses with policy interpretation and financial management, enhancing their operational stability [5]. Group 3: Consumer Rights Protection and Financial Literacy - The bank has strengthened consumer rights protection by establishing a comprehensive management system and conducting financial education activities, reaching over 804,679 consumers since 2025 [4]. - ABC aims to enhance consumer financial literacy through diverse educational initiatives, fostering a safe consumption environment and boosting consumer confidence [10]. Group 4: Future Focus Areas - ABC plans to intensify cooperation with government and enterprises to promote trade-in policies and support key consumption sectors such as housing, automobiles, and home decoration [8]. - The bank will enhance financing support for the consumer industry, particularly in catering, retail, and tourism, to alleviate financial pressures on small businesses [9].