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深耕县域乡村市场 提升“三农”领域金融服务质效
Jing Ji Ri Bao· 2025-09-25 23:33
金融作为支持"三农"发展的重要力量,发挥着重要作用。今年上半年,银行业积极创新金融产品,进一 步加大普惠型涉农贷款投放力度,为乡村振兴注入金融动能。国家金融监督管理总局数据显示,2025年 二季度末,普惠型涉农贷款余额13.9万亿元,较年初增加1.1万亿元。未来,金融机构如何更好地服 务"三农"领域?记者采访了金融机构有关负责人和业内专家。 完善农村信用体系 农村地区数据孤岛现象突出,农户的基本信息、生产、财务、诚信、资产等数据没有实现有效归集,信 用信息采集、评估体系尚未完全建立,金融机构难以利用丰富的数据开展信用评估。推动金融更好地服 务"三农"需要重视堵点,持续推进农村信用体系建设。7月份,中国人民银行、农业农村部联合印发 《关于加强金融服务农村改革推进乡村全面振兴的意见》明确,深入推进农村信用体系建设,提升农村 基础金融服务水平。 "金融机构可借助数字技术搭建开放平台,获得更多维度信息,降低信息不对称,提高金融服务可得性 和覆盖面。"招联首席研究员董希淼说,金融机构应建立资源共享数据库,对信用等级高、资信程度好 的农户优先发放贷款。通过开展信用村、信用乡镇创建活动,逐步扩大个人数据库在农村地区的覆盖范 ...
提升“三农”领域金融服务质效
Jing Ji Ri Bao· 2025-09-25 22:06
Core Insights - Financial institutions are increasingly focusing on rural revitalization by innovating financial products and increasing inclusive agricultural loans, with a reported balance of 13.9 trillion yuan in inclusive agricultural loans by the end of Q2 2025, an increase of 1.1 trillion yuan from the beginning of the year [1] Group 1: Policy and Regulatory Support - Regulatory bodies have introduced policies to guide financial resources towards rural revitalization, with a specific directive for banks to continue increasing agricultural loan balances and focus on key areas like grain production [2] - The Agricultural Development Bank plays a crucial role in supporting agricultural financing, having disbursed 410 million yuan in advance funds for summer grain purchases [2] Group 2: Financial Products and Services - Agricultural Bank has significantly increased its financial services for farmers, reporting a balance of 1.79 trillion yuan in its "Huinong e-loan" product and 1.24 trillion yuan in loans related to grain supply [3] - Rural small and medium banks are innovating products like "biological live collateral loans" to address the unique needs of the agricultural sector, with 71 loans amounting to 47.32 million yuan issued [3] Group 3: Credit System Development - The rural credit system faces challenges due to data isolation, with efforts needed to establish a comprehensive credit information collection and assessment system [4] - Financial institutions are encouraged to leverage digital technology to build open platforms for better credit assessment and to create credit villages and townships to enhance data coverage [4] Group 4: Technological Advancements - Financial technology is being utilized to improve service efficiency in rural finance, with mobile banking significantly reducing service costs [7] - Agricultural Bank is accelerating its digital transformation, implementing AI applications in various areas to enhance customer service and operational efficiency [7][8] Group 5: Innovative Financing Solutions - New financial products like "Agricultural and Animal Husbandry Loans" are being developed to meet the specific needs of farmers, allowing for flexible loan terms without the need for collateral [8] - Future developments in digital credit products are expected to automate agricultural loan processes, addressing the unique demands of rural businesses [8]
金融赋能+智慧养殖 山西汾西养殖产业跑出加速度
Zhong Guo Xin Wen Wang· 2025-09-23 09:02
中新网山西新闻9月23日电 (记者 杨静)在黄土高原沟壑纵横的吕梁山区,山西省临汾市汾西县依托得天 独厚的牧草资源和传统养殖基础,肉牛养殖正通过"规模化+标准化+智慧化+保险兜底"模式实现产业质 变。 作为服务"三农"的"主力军",邮储银行汾西县支行立足当地产业实际,通过客户全面走访、资源优先配 置、产品创新支持等助力肉牛产业发展。 智慧养殖引领转型 生态循环绿色发展 邮储银行汾西县支行工 作人员在养牛场察看养殖情况。邮储银行汾西县支行供图 鸿兴养殖专业合作社位于汾西县僧念镇段村,其负责人陈林林从工程行业转型养殖业,2019年获邮储银 行汾西县支行15万元贷款启动养牛场,后扩大规模,2024年在邮储银行汾西县支行授信70万元用于日常 经营。目前存栏量稳定在140头,效益良好。 "邮储银行审批高效、服务周到,有效解决了养殖户资金周转难题。"陈林林说。 三大金融产品精准滴灌 5000万贷款惠及300农户 数据显示,汾西县肉牛养殖户约690户,存栏突破2万头。当地政府创新推出目标价格保险、奖补政策与 伤亡险组合拳,目前市场主体投保覆盖5753头,累计赔付153.96万元,有效对冲市场价格波动与疫病风 险,为产业稳定 ...
邮储银行上海分行:科技赋能“三农”金融服务创新
Xin Hua Cai Jing· 2025-09-22 05:48
据悉,"农牧贷"后续将持续优化升级,对接获取更多外部农业数据、数据实验室(如保险、地块、补贴 等),搭建"智慧农贷"系统进行动态授信。对于符合要求、可提供经营规模佐证材料的申贷客户,可进 一步简化贷款流程及材料,有效提升作业效率及用户体验。 新华财经上海9月22日电(记者王淑娟)近日,邮储银行上海松江区支行成功发放首笔"农牧贷",标志 着邮储银行上海分行在创新服务"三农"方面取得又一突破。据悉,邮储银行上海分行充分发挥自身优 势,以科技赋能金融服务创新,助力乡村全面振兴。截至2025年7月末,该行涉农贷款净增超3亿元;普 惠涉农贷款净增超0.5亿元,为助力上海乡村振兴和农业现代化发展持续注入金融动能。 上海松江区的农户阮锋伟表示:"以前贷款是线下办理,要收各种材料,现在方便了,准备好材料现场 拍照,线上就能提交。"在邮储银行上海松江区支行工作人员的指导下,农户通过移动展业Pad端即可完 成绝大部分操作流程操作,实现从贷前调查、资料采集、影像上传到合同签约及双录的高效无缝衔接。 "农牧贷"是邮储银行聚焦种养殖客户群体的融资痛点,量身打造的一款小额信贷产品,该产品通过"经 营数据+农业数据"相结合的模式给予授信额 ...
邮储银行赣州市分行:以绿色金融绘就“生态美产业兴百姓富”和美画卷
Core Viewpoint - Postal Savings Bank of China (PSBC) Ganzhou Branch is actively promoting green finance initiatives to support ecological and economic development in Jiangxi province, focusing on sustainable projects that enhance both environmental protection and local income generation [1][2][6]. Financial Support for Ecological Projects - PSBC Ganzhou Branch has established a dedicated financial service team to address the financing challenges faced by national reserve forest projects, providing a total credit of 170 million yuan, with the first loan of 100 million yuan allocated for land transfer and forest cultivation [1][2]. - The funding not only supports ecological projects but also stimulates under-forest planting, contributing to local income growth [2]. Green Industry Development - The bank's financial services align with green development, focusing on low-carbon industries such as photovoltaic power, waste incineration, and sewage treatment, with over 88 million yuan in loans issued for urban water supply projects benefiting 185,000 residents [2][5]. - PSBC has provided 75 million yuan in credit support for county-level photovoltaic energy storage projects, expected to generate over 10 million kilowatt-hours annually [2]. Support for Manufacturing Transformation - PSBC has facilitated the transformation of Jiangxi Weimian Textile Group into an intelligent manufacturing model, providing 15 million yuan in loans to overcome funding barriers and an additional 20 million yuan for new production lines [3]. - The company has achieved a 30% reduction in energy consumption and a 70% decrease in labor costs due to automation and digital upgrades [3]. Promotion of Inclusive Finance - The bank has issued over 21 billion yuan in loans to support more than 1,500 small and medium-sized enterprises, driving the transition towards low-carbon and efficient industries [4][5]. Agricultural Financing Initiatives - PSBC has supported ecological agriculture projects, providing 500,000 yuan in loans to local entrepreneurs for aquaculture, which has led to significant business growth and job creation in the community [5][6]. - The bank's agricultural loans reached 17.2 billion yuan, with nearly 7 billion yuan in inclusive agricultural loans, reinforcing the role of green finance in rural revitalization [6]. Growth in Green Financing - As of the end of July, the green financing balance of PSBC reached 2.63 billion yuan, reflecting a 52% year-on-year increase, demonstrating the bank's commitment to sustainable development [6].
邮储银行吉安市分行 金融春雨润葡萄 “串”起农户致富路
Group 1 - The core viewpoint of the articles emphasizes the role of Postal Savings Bank in supporting local特色产业 (characteristic industries) as part of the rural revitalization strategy, focusing on comprehensive financial services across the entire industry chain from planting to sales [1][2] - The bank has introduced innovative credit products such as "Industry Loan" and "Agriculture and Animal Husbandry Loan" to enhance financial services for rural clients, particularly targeting ordinary farmers and new agricultural operators [2] - As of now, the bank has issued loans to over 200 households in the agricultural sector, with a total amount exceeding 1 billion yuan, demonstrating a significant increase in agricultural loan disbursement [2] Group 2 - The bank's proactive approach includes on-site services and delivering loans directly to rural areas, ensuring that financial support reaches the "three rural" clients effectively [2] - The bank has provided 700,000 yuan in credit support to a grape planting base, indicating its commitment to facilitating local agricultural expansion and development [1]
邮储银行赣州市分行“邮‘粮’策”奏响颗粒归仓交响曲
Group 1 - The core viewpoint of the articles highlights the proactive role of Postal Savings Bank in supporting rural revitalization through tailored financial services for the agricultural sector [1][2][3] - The bank has organized 18 party member teams to provide comprehensive financial services, including demand assessment and personalized loan solutions for grain industry clients [2][3] - The bank's initiatives have resulted in the disbursement of over 100 million yuan in agricultural loans to nearly 600 clients this year, demonstrating its commitment to enhancing food security and supporting local farmers [3] Group 2 - The "Industry Loan" product has been particularly effective, providing timely financial support to grain storage facilities, enabling them to purchase necessary supplies for grain collection [1][2] - The bank's approach includes a full-chain understanding of agricultural financing needs, from planting to storage and processing, ensuring that financial products are well-suited to the specific requirements of farmers [2][3] - The establishment of a direct communication mechanism between bank branches and village committees has facilitated real-time updates on the needs of grain producers, allowing for more responsive financial services [3]
数字信用引来“金融管家”
Jin Rong Shi Bao· 2025-08-26 02:34
Core Viewpoint - The article highlights the innovative credit system established by the People's Bank of China in Sanmenxia, which simplifies the loan application process for farmers and enhances access to financing through a dynamic credit evaluation system [1][2][4]. Group 1: Credit System Innovation - The Sanmenxia branch of the People's Bank of China has developed a dual platform for inclusive finance and rural revitalization, incorporating over 4,000 new agricultural operators into a database to address information asymmetry in agricultural financing [1][2]. - A new credit evaluation module has been implemented, managing over 7,000 agricultural entities and cleaning up more than 2,000 abnormal entities, thereby breaking down data barriers between departments [2][3]. - The platform integrates various agricultural credit information from multiple departments, using AI algorithms to create accurate profiles of farmers and agricultural operators, achieving near-complete coverage of agricultural entities [3]. Group 2: Financial Products and Services - The bank has introduced specialized credit products such as "Rural Revitalization Guarantee Loan," "Mushroom Loan," and "Planting Loan," which leverage both the credit status of farmers and a guarantee mechanism to mitigate credit risks [4]. - A new service mechanism combining online intelligent matching and offline precise connections has been established, significantly reducing the average loan approval time for new agricultural operators [4]. - The comprehensive launch of the rural revitalization financial service platform is creating a "smart finance" landscape in Sanmenxia, where data-driven processes reduce the need for farmers to travel for financial services [4].
宁夏中卫:金融积极支持海原肉牛产业发展
Jin Rong Shi Bao· 2025-08-21 04:56
Core Insights - The meat cattle industry in Haiyuan County is crucial for rural revitalization and increasing farmers' income, experiencing rapid growth due to rising market demand and policy support [1][2] - Financial institutions are focusing on the financing needs of the meat cattle industry, enhancing credit products and services to facilitate industry transformation and upgrading [1][2] Group 1: Industry Development - As of June 2025, Haiyuan County has seen a meat cattle output of 49,900 heads, representing an 18.2% year-on-year increase [1] - The loan balance for the meat cattle industry reached 1.63 billion yuan, accounting for 16% of the agricultural loan balance in Haiyuan County and 38.10% of the total meat cattle loans in Zhongwei City [1] Group 2: Financial Support Mechanisms - The People's Bank of China in Zhongwei City has guided local financial institutions to create a whitelist system for meat cattle farmers, allowing prioritized credit approval and interest rate discounts [2] - Haiyuan Rural Commercial Bank has issued 1.306 billion yuan in loans for the meat cattle industry, making up 19.28% of its total loans [2] Group 3: Tailored Financial Products - Financial institutions have developed specialized credit products for the meat cattle industry, such as "Smart Livestock Loan" and "Agricultural Benefit e-Loan," optimizing loan amounts, terms, and interest rates [4] - Agricultural Bank of Haiyuan has implemented a "5+X" credit model to support impoverished households in expanding production, providing additional credit beyond the initial 50,000 yuan loan [4] Group 4: Risk Management and Insurance - The Haiyuan County government has established a special guarantee fund to support financing for meat cattle enterprises and farmers, offering risk compensation for qualifying guarantee businesses [5] - Insurance companies have expanded coverage for meat cattle insurance, developing products for different growth stages to mitigate risks in the breeding process [5]
邮储银行江西吉安市分行 赋能产业振兴助农增收致富
Group 1 - The article highlights the role of Postal Savings Bank of China in supporting the development of the grape and bamboo fungus industries in Jiangxi Province, specifically in Ji'an City, through tailored financial services [1][2] - The bank has identified financing pain points for farmers, such as expanding scale, upgrading technology, and managing natural disasters, and has developed customized credit solutions like "Reemployment Subsidy Loan," "Agricultural and Animal Husbandry Loan," and "Industry Loan" [1] - The bank's initiatives aim to lower financing costs and ensure timely funding during critical agricultural periods, thereby enhancing the quality and marketability of agricultural products [1][2] Group 2 - Farmers like Tan Xiaohui have benefited from the bank's financial support, receiving loans that enable them to upgrade facilities and improve product quality, leading to increased confidence in income generation [1] - The article emphasizes the positive impact of financial services on rural economic development, showcasing how credit funds are directed towards the real economy to promote rural industry growth and contribute to rural revitalization [2]