中新网兰州2月28日电 (王牧雨)昔日农牧民口中"家财万贯，带毛的不算"的无奈，正在成为历史。28 日，记者从中国人民银行甘肃省分行了解到，该行联合多部门印发《关于推广农业设施和畜禽活体抵押 融资 助力全省农业农村现代化建设的通知》(以下简称《通知》)，旨在通过一揽子创新举措，让"沉 睡"的温室大棚和圈舍里的活畜变成可用于融资的"有效资产"。 图为甘肃平凉崆峒区农户正在给"红牛"喂食。(资料图)李亚龙 摄 长期以来，由于农业设施确权难、畜禽活体价值评估缺乏标准且存在死亡风险，这两类资产在传统金融 体系中长期被排斥在合格抵押物之外。甘肃泾牛牧业有限公司负责人王超对此深有感触："以前想贷 款，圈里的牛再壮实，银行不认，我们也只能干着急。" 此次《通知》的印发，正是瞄准了这一制约甘肃"牛羊菜果薯药粮种"八大特色产业发展的融资堵点。新 政最核心的突破，在于从制度层面为农业设施和畜禽活体"赋权"。 根据《通知》要求，甘肃将对权属清晰、符合规划的温室大棚、养殖圈舍等设施依法进行确权登记。同 时，针对活体资产流动性大的特点，创新性引入科技手段，大力推广电子耳标、智能项圈等识别技术。 这意味着，每一头作为抵押物的牛、羊都将拥 ...

中国青年报客户端银川2月27日电（中青报·中青网记者 焦敏龙）在今天宁夏回族自治区政府新闻办举行 的"固原市普惠金融改革试验区"新闻发布会上，国家金融监督管理总局宁夏监管局党委委员、副局长蒋 志平介绍，目前，固原市共有164家银行网点、67家保险网点、626个乡村振兴服务站，其中，县域银行 网点101家、保险网点46家，基本实现了"村村有金融站点、家家有服务"。 来源：中国青年报客户端 蒋志平介绍，2025年9月中国人民银行等7个部门联合印发《关于在青海西宁、广西百色、贵州毕节、宁 夏固原、广东茂名五地深化普惠金融改革的指导意见》（以下简称《指导意见》）以来，宁夏金融监管 局围绕固原市"三农"、民营和小微企业等重点领域和薄弱环节，持续加大信贷供给和资源倾斜，截至 2025年年末，固原市普惠金融重点领域贷款余额占各项贷款余额的比重为51.08%，高于全自治区水平 31.9个百分点。 同时，宁夏金融监管局为固原市推广"肉牛活体抵押""土地经营权抵押""农牧贷""农机贷""富农贷"等专 属信贷产品；推动保险服务向"事前防损+事中减灾+事后补偿"的全链条风险管理转型，开发了近30个 覆盖面广、保费适中、保障精准的肉牛 ...

Core Insights - The financing development meeting for the black goat industry in Weiyuan County, Sichuan, was successfully held, with Postal Savings Bank as a key financial supporter [1] - The black goat industry in Weiyuan County has established a complete value chain from breeding to processing and sales, aiming for an annual output value of 1.6 billion yuan by 2025, with an annual output of about 50,000 goats, accounting for nearly 40% of the city's total [1] - There are existing challenges in financing for farmers, including lack of collateral and guarantees, as well as urgent funding needs for enterprise expansion [1] Financial Solutions - Postal Savings Bank has tailored financial support solutions to meet the diverse needs of farmers and enterprises in the black goat industry [1] - Specific loan products include "Postal Guarantee Quick Loan" for large-scale enterprises, "Agricultural and Animal Husbandry Loan" for scale farmers, and "Entrepreneurial Guarantee Loan" for startup farmers, with interest subsidies to lower the barriers to entrepreneurship [1] - The bank's customized loan proposals have received strong recognition from government and enterprise representatives, becoming a focal point for collaboration [2] Future Plans - Postal Savings Bank will continue to deepen the "government-bank-guarantee" cooperation mechanism and open a green approval channel for industrial loans, enabling online applications and rapid disbursement [2] - The focus will remain on key areas such as breeding, processing, and brand upgrading to ensure financial support effectively benefits the entire black goat industry chain [2]

Core Viewpoint - Xinjiang is accelerating the construction of a green livestock industry cluster, focusing on ecological priority and green development, supported by Postal Savings Bank's financial solutions to invigorate traditional livestock farming [1] Group 1: Company Development - The company, Yihama Pastoral Dairy Co., has successfully implemented an automated production line for dairy products, enhancing operational efficiency [2] - Postal Savings Bank provided a timely loan of 400,000 yuan to support the company's strategic transformation and diversification into various milk powder products [2][3] - The company has established partnerships with research institutions, resulting in 11 utility model patents and recognition as a "specialized, refined, and innovative small and medium-sized enterprise" [3] Group 2: Industry Upgrades - The company is expanding its operations by planning new standardized fresh milk collection stations and investing in a leisure ranch, aiming for a comprehensive upgrade of the entire industry chain [4] - Postal Savings Bank issued a 5 million yuan "Science and Technology Credit Loan" to facilitate the company's technological upgrades and capacity expansion [4] Group 3: Community Impact - Over the past five years, Postal Savings Bank has provided over 10 million yuan in loans to the company, significantly contributing to its growth and enabling it to process 200 tons of fresh milk daily [5] - The bank has also launched a "Farm and Pastoral Loan" product to support downstream livestock farmers, benefiting over 500 households and facilitating a financing solution for the agricultural community [5][6] - The company's annual sales revenue has doubled compared to 2020, highlighting the impact of Postal Savings Bank's support on both the company and local farmers [5]

Core Insights - The article highlights the successful integration of modern agricultural practices and financial support in Wushan County, Gansu, leading to enhanced agricultural productivity and economic development [1][2] Group 1: Financial Support and Agricultural Development - Postal Savings Bank has invested 4 million yuan in building smart greenhouses, enabling farmers to adopt advanced agricultural techniques and significantly improve their yields [1] - The bank's "Shan Shang You Dai" initiative, along with other financial products, provides essential funding and support to farmers, addressing their challenges in cultivation [1][2] - The bank collaborates with government agencies to offer technical guidance, helping farmers overcome barriers related to knowledge and confidence in farming [1] Group 2: Technological Integration in Agriculture - Modern greenhouses in Wushan County utilize technology such as remote control via mobile apps and IoT sensors for real-time monitoring of environmental conditions [2] - Farmers are shifting from traditional experience-based methods to data-driven approaches, enhancing their ability to manage crops effectively [2] - The introduction of high-tech solutions is expected to double the market price of certain crops, such as the net melon, by the time they are harvested [2] Group 3: Broader Economic Impact - The Postal Savings Bank has implemented 18 support projects focusing on the "Five Major Revitalizations," which include infrastructure improvements and educational support [2] - The initiative aims to create a regional brand, "Shan Shang You Li," which has already generated over 20 million yuan in consumption assistance over two years [2] - The overarching strategy emphasizes a comprehensive approach to rural development, integrating industry, consumption, and finance [1][2]

Core Insights - The article highlights the role of Postal Savings Bank in supporting agricultural development in Yunnan Province, particularly in Zhaotong City, through tailored financial services that align with local agricultural characteristics and the rural revitalization strategy [1][2][3][4][5][6] Group 1: Agricultural Development - The diverse climate and geography of the region contribute to a rich agricultural landscape, with low-altitude tropical fruits and high-altitude cool vegetables thriving [1] - In Yongshan County, the area dedicated to specialty fruit cultivation has reached 195,000 mu, with an annual output of approximately 100,000 tons and a production value exceeding 1.1 billion yuan [2] - The bank's "industry loan" products have been instrumental in addressing the financing needs of local farmers, enabling them to expand their operations and improve productivity [2][3] Group 2: Financial Support Mechanisms - Postal Savings Bank has introduced various financial products, such as "loquat loans" and "citrus loans," to support the development of specialty fruit industries [2] - The bank's proactive approach includes on-site visits and personalized financial solutions, which have effectively resolved funding challenges for farmers [2][3] - The bank has streamlined its loan approval process, reducing the time to 24 hours, thus enhancing accessibility for farmers and businesses [5][6] Group 3: Impact on Local Economy - The modernization of agricultural practices, supported by the bank's loans, has led to significant increases in crop yields, with some farmers reporting a 30% increase in production [3] - The transformation of previously idle land into productive agricultural areas has created job opportunities and increased income for local communities [5][6] - As of October 2025, the bank's inclusive finance initiatives have resulted in a balance of 960 million yuan in loans for small and micro enterprises, serving 4,528 clients [6]

Core Insights - Postal Savings Bank of China (PSBC) in Anhui Province is actively supporting rural revitalization by providing financial services tailored to local agricultural industries, including grain, tea, traditional Chinese medicine, and specialized breeding [1][2]. Strategic Leadership - PSBC has established a three-tiered industrial system focusing on provincial, municipal, and county-level industries, creating a detailed financial map to align financial resources with local development plans [2]. - The bank aims to support the development of ten key green food industries in Anhui, conducting in-depth research to customize credit services for local agricultural sectors [2]. Precision Financing - The bank's strategy involves deep engagement in the agricultural supply chain, offering innovative products and services to meet the unique financing needs of local industries [3]. - In Xiaoxian County, PSBC provided timely financial support during the grain harvest season, including an additional 1.7 million yuan in "industry loans" to help farmers manage storage issues caused by adverse weather [3][4]. - In Qingyang County, PSBC issued a 500,000 yuan unsecured loan to a poultry farmer, facilitating the transition from traditional to standardized breeding practices [4]. Long-term Partnership - PSBC emphasizes the importance of long-term relationships with agricultural enterprises through the "Joint Development Plan," which offers enhanced loan limits and favorable interest rates [5]. - As of November 2025, PSBC has signed agreements with 1,108 enterprises under this plan, with a total credit amount exceeding 3.1 billion yuan [5]. Future Outlook - PSBC is committed to continuing its support for the development of Anhui's unique industries, aiming to provide more precise, long-term, and intelligent financial services to foster rural revitalization [6].

Core Viewpoint - Shandong Agricultural Credit Guarantee Company has successfully transitioned from "scale acceleration" to "quality improvement" over the past eight years, focusing on policy-driven financial support for agriculture and rural development, significantly alleviating financing difficulties for agricultural operators [1][2]. Group 1: Financial Performance and Impact - As of November 2025, the company has provided a total of 221.9 billion yuan in guarantee loans to the agricultural sector, supporting 330,000 agricultural operators, making it the only provincial agricultural guarantee company in China to exceed 200 billion yuan in cumulative guarantees [2][3]. - In the current year, the company added 23.1 billion yuan in guarantee amounts, with an outstanding guarantee amount of 31.72 billion yuan, maintaining a leading position among 33 provincial agricultural guarantee companies [2]. Group 2: Innovative Financial Solutions - The company has introduced innovative financial models, such as electronic warehouse receipt pledges, to address the financing challenges faced by agricultural operators lacking qualified collateral [3][4]. - The company has developed a comprehensive product system targeting key agricultural sectors, including "Agricultural Loan" and "Agricultural Service Loan," which have collectively provided 19.89 billion yuan in guarantee loans to 44,000 grain producers, covering over 14 million acres of planting area [4]. Group 3: Digital Transformation and Efficiency - The company has implemented a digital transformation strategy, creating an integrated guarantee business platform that covers the entire process and includes over 31 subsystems, enhancing operational efficiency and service quality [6][8]. - The digital initiatives have streamlined the loan application process, allowing for rapid approvals and reducing the time from application to funding to as little as 1-3 days [7][8]. Group 4: Collaborative Efforts and Risk Management - The company has established strategic partnerships with 233 banks, creating a collaborative model that shares risks and responsibilities, effectively addressing the challenges of financing in agriculture [11]. - The risk management framework includes a comprehensive data-sharing system and advanced technologies such as remote sensing, which have contributed to a low compensation rate of 0.67%, significantly below the national average [8][9]. Group 5: Support for Rural Revitalization - The company actively collaborates with local governments to enhance financial services for rural revitalization, establishing over 1,000 township workstations to ensure comprehensive coverage and support for agricultural operators [10][11]. - The innovative cooperation model has not only facilitated the implementation of agricultural policies but has also provided robust financial support for the modernization of agriculture and rural revitalization efforts in Shandong [11].

Core Viewpoint - The article highlights the role of Postal Savings Bank in supporting the orange farming industry in Ganzhou, Jiangxi, through tailored financial services that enhance productivity and profitability for local farmers [1][5]. Group 1: Financial Support for Farmers - Postal Savings Bank's Ganzhou branch provides customized financial solutions to smallholders, large-scale growers, and industry leaders, facilitating their agricultural operations from spring preparation to summer maintenance [1][5]. - The bank's "Spring Cultivation Service Team" assists farmers like Li Defu by offering quick access to loans, such as the "Express Loan" of 400,000 yuan, enabling them to expand their operations and adopt modern agricultural technologies like drones [2][5]. Group 2: Enhancing Scale and Efficiency - Large-scale grower Zhang Wang received a tailored loan of 300,000 yuan to address urgent funding needs during the critical summer maintenance period, ensuring the quality of his orange crop [3][5]. - The bank's efficient loan processing and on-site support help farmers manage their cash flow effectively, allowing them to focus on quality production and scaling their operations [3][5]. Group 3: Upgrading Production and Sales - Wu Guoxing, another large grower, benefited from a comprehensive financial and logistics solution, including a 500,000 yuan "Industry Loan" and a 300,000 yuan re-employment interest subsidy loan, to meet increased demand and streamline logistics [4][5]. - The bank has invested over 13.2 billion yuan in the orange industry, benefiting around 80,000 customers, thereby contributing to rural revitalization and economic growth in the region [5].

Core Insights - The article highlights the role of Postal Savings Bank in supporting the tea industry in Xianshanling, Jiangxi Province, through innovative financial products that address the challenges of financing in the sector [1][2]. Group 1: Financial Support and Innovation - Postal Savings Bank's "Express Loan" and "Industry Loan" have successfully alleviated financing difficulties for local tea farmers, enabling them to expand operations and modernize facilities [1][2]. - The bank has provided over 20 million yuan in credit to more than 50 tea farmers in Xianshanling, facilitating upgrades to production facilities and enhancing market access through e-commerce [2]. Group 2: Industry Development and Community Impact - The tea industry in Xianshanling serves as a microcosm of the broader tea culture in Lian County and the thriving tea sector in Shangrao City, showcasing the impact of financial services on rural revitalization [2]. - The bank plans to further optimize its financial product offerings, extending support to the entire tea industry chain, including packaging, branding, and rural tourism, to enhance the overall development of the tea sector [3].