当总资产已接近47万亿元大关时，每前进一步都来之不易，中国农业银行（以下简称"农行"）仍能保持资产质量稳定、"三农"县域业务护城河更宽，纵观可比同 业，这也是亮眼且独特的存在。 8月29日，农行发布了上半年经营数据，营业收入和净利润继续"双增"，且增速还在逐季加快。 多维度的同业首位，刻画了农行上半年经营业绩的"含金量"——境内人民币日均存款增量、增速居可比同业首位，普惠贷款余额、增量及普惠小微有贷客户数、客 户增量居可比同业首位，拨备余额和拨备覆盖率居可比同业首位…… "上半年经营成果为全年高质量发展打下了坚实基础，让我们有更充分的信心迎接新的挑战和考验。"农行行长王志恒展望下半年业绩时多次提到"充满信心"。 盈利"含金量"：高基础上"更上一层楼" 近年来，农行持续亮眼的业绩表现不仅引发业内关注和热议，资本市场也投下认可票，股价一路攀升，前不久A股流通股市值一举跃升至上市银行之首。细看今年 上半年成绩单，在高基础上还能保持稳健增长，这份答卷的"含金量"更为扎实。 另一方面，盈利增长的根基——资产质量依旧"硬核"。农行拥有超万亿元的拨备余额，拨备覆盖率295%，这些指标均居可比同业首位，厚实的拨备资金是农行抵 ...

Core Viewpoint - Agricultural Bank of China is actively supporting the agricultural sector in Inner Mongolia's Xingan League through various financial products and services, significantly boosting local agricultural production and economic development [1][2][4]. Group 1: Agricultural Credit Support - The Agricultural Bank of Xingan League has invested a total of 6.976 billion yuan in agricultural loans in the first half of the year, with a loan balance of 14.244 billion yuan, an increase of 2.241 billion yuan from the beginning of the year, representing a growth rate of 18.67% [2]. - The bank has focused on the entire agricultural industry chain, promoting products like "Nongyin e-loan" and "Huinong e-loan," with a total of 6.202 billion yuan allocated to agricultural entities, benefiting 68,100 households [2][3]. Group 2: Credit Loan Innovations - The bank has introduced innovative credit loan products such as "Smart Livestock Loan" and "Grain Storage Loan," utilizing collateral methods like livestock and grain inventory to alleviate guarantee difficulties for agricultural operators [3]. - In the first half of 2025, the bank provided 6.218 billion yuan in credit loans to agricultural entities, with a loan balance reaching 9.461 billion yuan, an increase of 1.922 billion yuan from the beginning of the year [3]. Group 3: Financial Supply for Key Agricultural Products - The bank has conducted a "Thousand Enterprises, Ten Thousand Households" outreach initiative to strengthen financial support for key agricultural enterprises, ensuring the financial supply for important agricultural products [4]. - As of June 2025, the bank's county-level loan balance reached 23.912 billion yuan, with significant increases in loans for grain (6.431 billion yuan), rural industries (11.439 billion yuan), and agricultural loans (10.106 billion yuan) [4]. Group 4: Financial Services for Farmers - The bank has established over 30 mobile service teams to provide credit loans directly to farmers, adapting repayment methods to align with agricultural production cycles [5]. - New products like "Huinong e-loan Merchant Loan" and "Huinong e-loan Rural Tourism Loan" have been launched, with individual credit limits up to 2 million yuan, supporting various agricultural clients [6]. Group 5: Overall Loan Performance - In the first half of the year, the bank issued a total of 10.923 billion yuan in various entity loans, with an overall loan balance of 23.001 billion yuan, an increase of 2.920 billion yuan from the beginning of the year [6].

Core Viewpoint - The recent notice from the National Financial Supervision Administration emphasizes the importance of rural finance in supporting the "Three Rural Issues" (agriculture, rural areas, and farmers) and outlines specific requirements for enhancing financial services in this sector by 2025 [1] Group 1: Deepening Systematic Reforms - The notice calls for a well-structured rural financial service system that promotes differentiated financial services to support the "Three Rural Issues" [2] - Policy banks like the Agricultural Development Bank play a crucial role in providing favorable loan conditions, with a total of 104.69 billion yuan in agricultural land loans disbursed by March 2025 [2] Group 2: Support from State-Owned Banks - State-owned banks have increased their support for rural finance, with China Construction Bank's agricultural loan balance reaching 3.33 trillion yuan, an increase of 251.32 billion yuan (8.16%) from the end of 2023 [3] - Postal Savings Bank's agricultural loan balance also grew to 2.29 trillion yuan, with an increase of 254.57 billion yuan, accounting for over 25% of total customer loans [3] Group 3: Role of Small and Medium Banks - Small and medium-sized banks, particularly rural commercial banks, are essential in providing financial services to the agricultural sector, with Zhejiang Rural Commercial Bank issuing 13.33 billion yuan in agricultural loans by March 2024 [3] Group 4: Ensuring Key Financial Supply - The notice emphasizes the need to secure financial support for grain and important agricultural products, with Agricultural Development Bank focusing on grain storage and supply [5][6] - Industrial and Commercial Bank of China reported an increase of nearly 800 billion yuan in agricultural loans for 2024, while Agricultural Bank of China provided 994.5 billion yuan in loans related to grain and agricultural product supply [6] Group 5: Enhancing Digital Financial Services - The notice highlights the importance of digital finance in transforming banking services, advocating for improved rural digital financial development and data sharing mechanisms [8] - Financial institutions are encouraged to leverage technology to enhance agricultural credit services, addressing issues like insufficient credit ratings and lack of collateral [9]

近期，上市银行陆续发布了2024年可持续发展报告或环境、社会和公司治理（ESG）报告。2024年是金 融业做好金融"五篇大文章"的首个完整年度。随着上述报告的披露，上市银行特别是国有六大行的普惠 金融答卷逐渐明晰。 综观六大行普惠金融一年来所取得的成绩，可以说，作为服务实体经济的"头雁"，六大行普惠金融已从 政策任务转化为经营自觉，展现出前所未有的创新活力，正在步入高质量发展的新阶段。 2024年，围绕中小微企业经营资金需求，六大行普惠金融信贷呈现高速增长。 截至报告期末，工商银行（601398）普惠型小微企业贷款余额为2.89万亿元，比年初增长29.9%。该行 打造普惠金融旗舰网点1433家，标杆网点3206家。农业银行（601288）普惠型小微贷款余额3.23万亿 元，较上年末增长31.3%，以金融力量托举458.18万户小微企业。中国银行（601988）普惠型小微企业 贷款为2.28万亿元，比年初增长29.63%；涉农贷款余额增长25.01%。该行建成普惠金融特色网点4707 家。建设银行披露了普惠金融领域信贷总额，该行普惠金融贷款余额达3.41万亿元，较上年增长 12.01%。交通银行（601328） ...