在天津市静海区独流镇，部分粮油购销龙头企业门口的收储点一派繁忙景象。满载新麦的卡车有序排 队，传送带轰鸣运转，金灿灿的麦粒源源不断涌入粮仓。 眼下，正是夏粮收购的关键期。为做好夏粮收购工作，天津市粮食和物资局等部门召开夏粮收购贷款协 调保障机制联席会议，根据天津市粮食预计产量、预计收购量、价格走势，分析研判粮食收购资金需 求，为天津市夏粮收购做好资金保障。 津北沃野，夏风拂过丰收的麦堆，天津市宝坻区部分小麦已归仓。在这片年粮食交易额超20亿元的热土 上，100余家粮食购销企业正开秤收粮，迎来一年中最繁忙的交易时节。 宝坻区是天津的农业大区，粮食收购行业发展完备。截至目前，宝坻全区近100家粮企散布各乡镇，多 为个体工商户，年收购量从2000万斤至8000万斤不等，形成庞大产业链。上游连接千家种植户，下游对 接饲料厂、面粉厂及粮储库，资金需求贯穿全年。 宝坻区牛道口镇芮家庄村收粮大户陈大友说："去年我收购了5000吨小麦、1000吨玉米、2000吨水稻。 今年我家种了1000亩地，随着小麦夏收结束，我的收购资金紧张。多亏了农行的'惠农e贷—大户贷'专 项产品，从资料收集到审批放款，仅2天我就获得300万元资金。 ...

金融是现代经济的核心，是国民经济的血脉。 旗帜引领方向，行动诠释担当。在八闽大地高质量发展的征程中，交行人始终胸怀"国之大者"，守正创 新、笃行实干，在服务实体的土壤里深耕，在造福民生的答卷上落笔。 破解堵点回应时代科技创新之需 科技创新是金融支持实体经济的重要着力点。交行充分认识到科技型中小企业在推动国家创新驱动发展 战略、培育新质生产力中的关键作用，将服务科技型企业作为战略重点，革新科技金融服务模式，通过 构建差异化的信贷审批机制、风险定价模型和考核激励机制，破除"唯抵押、唯财报"的传统束缚。在福 建，为破解科技型企业"轻资产、缺抵押、融资难"困境，交行创新推出"科技通"专属金融服务方案，为 科技型企业量身定制"科创属性"评价体系，实现对科技型小微企业"短频快"金融服务需求的快速响应。 祥鑫股份有限公司扎根福建闽侯，是一家专注于高性能合金材料及精密部件研发、制造的前沿科技企 业，致力于新能源、电池等领域关键材料的国产化突破与产业化应用，其研发生产的核心产品凭借卓越 性能填补国内多项技术空白。在伴随企业发展的过程中，交行不断创新服务模式，满足企业各阶段所 需。 "与交行的合作，最初也是从抵押等传统模式开始的 ...

Core Viewpoint - The People's Bank of China, Panjin Branch, is actively enhancing financial services in county areas through a comprehensive framework that emphasizes collaboration, increased credit supply, improved financial management, and public financial literacy, thereby supporting the coordinated development of the county economy and finance [1][2][3][4]. Group 1: Financial Collaboration Framework - The Panjin Branch is establishing a new model of cooperation between grassroots central banks and local governments, creating a collaborative work structure that includes regular communication with banking institutions and local governments [1]. - A joint "County Financial Service Joint Conference System" has been implemented to facilitate information exchange, resource sharing, and cooperation [1]. - The branch has initiated over 30 engagements with local banks to enhance policy promotion and financial services in county areas [1]. Group 2: Credit Supply Enhancement - The Panjin Branch is guiding banks to innovate financial products focusing on key local industries such as rice and river crabs, launching over 30 credit products including "Golden Crab Loan" and "Agricultural Machinery Loan" [2]. - New financing mechanisms have been developed for modern agricultural entities, including collateral loans based on agricultural inventory [2]. - The branch is also promoting green finance initiatives and has introduced various online financial products to increase accessibility [2]. Group 3: Financial Service Optimization - The Panjin Branch is improving the rural financial infrastructure and enhancing the credit system, establishing a model for credit villages and initiating a "whole village credit" project [3]. - The branch has set up 143 rural bank outlets and installed 1,963 ATMs and POS terminals to facilitate financial services [3]. - A comprehensive optimization plan for nine business lines has been introduced to streamline financial service processes [3]. Group 4: Public Financial Literacy Promotion - The Panjin Branch is conducting extensive financial literacy campaigns through various community engagement activities, reaching over 50,000 individuals [4]. - Financial knowledge dissemination is being carried out in rural areas via lectures and promotional videos, focusing on enhancing public understanding of financial services [4]. - The branch has organized over 600 activities related to financial knowledge promotion and legal education in rural areas [4].

6月初，小麦生产大县江苏南通如东县90余万亩麦田满地金黄。位于马南村的如东县马南立新家庭农场 也迎来农忙季，夏收夏种两茬活儿，几乎是脚前脚后地在赶。 "我们这里是稻麦轮作，机器和人都要'接力跑'，钱也得无缝衔接。"农场负责人蔡立新说。 在农业银行的资金支持下，蔡立新和他的农场"接力跑"进展十分顺利。 "三夏"工作关乎夏粮归仓和秋粮播种，是全年粮食增产的关键一仗。围绕粮食种收主体的各类金融服务 需求，银行业金融机构强化信贷供给、优化金融服务，为全年粮食稳产增收打下坚实基础。 高效满足"三夏"资金需求 "有了这些'新农具'，以往费时费力的工作变得更加高效精准。"种植户王先生说。 "农行帮我提高了贷款额度，这次有100万元，速度也快，3天就到账了。"蔡立新说，"今年农场里的小 麦亩产达500公斤，还可以利用部分贷款资金去邻县再收点小麦，烘干后一起卖到镇上的粮库里，多挣 点钱。"蔡立新十分开心地说。 《金融时报》记者从农业银行了解到，针对粮食企业夏收期间资金需求量大、投放集中等特点，该行着 力提高企业授信额度，建立绿色审批通道，优化办贷服务流程，切实做到"钱等粮"。 "农行江苏分行聚焦保障'三夏'生产，倾斜配置信贷资 ...

Group 1 - The core viewpoint of the articles highlights the transformation in rural credit access facilitated by the integration of digital financial infrastructure and data sharing among government departments, significantly improving loan approval processes for farmers [1][2][3] - Jiangxi Province's Ganzhou City, known for its large citrus production, has implemented a rural credit information verification platform that aggregates agricultural data from various sectors, enhancing credit evaluation for rural operators [2] - The platform has led to a reduction in loan approval procedures by 2 to 3 steps, increasing efficiency by approximately one-third, and has expanded the coverage of credit services to previously underserved rural operators [2] Group 2 - By April 2025, the platform had aggregated 14.75 million pieces of agricultural data, covering various aspects of rural operations, which has been crucial for financial institutions in assessing creditworthiness [2] - The platform has supported the issuance of 20,600 loans amounting to 1.868 billion yuan, demonstrating its effectiveness in facilitating access to credit for rural businesses [2] - The integration of agricultural data into credit products has accelerated the digital transformation of financial institutions, allowing for more precise identification of customer groups and tailored financial solutions [3]

近年来，峡阳镇在闽台乡建乡创领域成绩斐然。2024年，该镇成功申报闽台乡建乡创合作样板集镇，并 入选《福建省2024年村镇建设可复制经验清单》。2025年，该镇获评闽台乡建乡创成效突出样板，作为 全省第二批41个闽台乡建乡创合作省级补助项目之一，发展势头强劲。 金融资源持续注入，为峡阳镇乡建乡创事业注入"源头活水"。据悉，峡阳镇金融服务主要由农业银行、 邮储银行和南平农商行3家金融机构承担。截至5月末，3家金融机构对延平区峡阳镇贷款户数达762户， 贷款总额1.77亿元。其中，对公贷款36户、贷款余额7176.22万元；个体经营户贷款128户、贷款余额 2659.62万元。 "福建为台胞提供了许多便利和优惠条件，这里有很多创业发展的机遇。"台北姑娘陈榆文在接受《农村 金融时报》记者采访时感慨道。 在提升"宜游"吸引力上，南平农商银行创建"福农e贷"产品。截至5月末，已发放"福农e贷"322户、贷款 余额2746.24万元。依托该产品，当地推出"峡阳人的一天"主题线路，联合周边景区打造"闽北古厝之 旅"精品线路，建立地方文化IP市场化运营机制，将"峡阳战胜鼓""南剑戏"等非遗项目纳入专业化运营 体系。借助峡阳与 ...

Core Viewpoint - The article highlights the proactive role of the Industrial and Commercial Bank of China (ICBC) in supporting the fruit industry in Baise City, leveraging favorable climatic conditions to enhance agricultural productivity and contribute to rural revitalization [1][2]. Group 1: Financial Support for Agriculture - ICBC Baise Branch is actively supporting the entire fruit industry chain, including planting, processing, and sales, by providing inclusive loans to boost farmers' income and strengthen enterprises [1]. - The bank utilizes a rich product portfolio to offer precise financing services tailored to the seasonal and fast-turnover nature of the fruit industry, ensuring timely financial support for farmers and businesses [2]. - Specific loan products like "Operating Quick Loan" and "Planting e-loan" are designed to meet the needs of farmers and enterprises, providing low-threshold, high-amount, and efficient credit support [2][3]. Group 2: Brand Development and Market Expansion - "Baise Mango" has gained recognition as a geographical indication product, known for its high sweetness and unique flavor, contributing to the brand effect in the market [3]. - A trade enterprise has successfully expanded its market from Baise Mango to Southeast Asia, indicating the establishment of a mature supply chain supported by ICBC's financial assistance [3]. - The bank has issued a total of 4 million yuan in inclusive loans to support the upgrading of cold chain transportation and storage equipment for quality enterprises in the fruit trade [3]. Group 3: Future Directions - By June 30, 2025, ICBC plans to continue its support for agriculture in Baise, having issued a total of 42.23 million yuan in "Agricultural e-loans" to enhance agricultural production and product circulation [3]. - The bank aims to deepen cooperation with leading agricultural enterprises and explore new models that integrate finance, technology, and industry to promote the branding, standardization, and digitalization of the fruit industry [3].

林先生，作为当地赤嘴鳘养殖及初加工的知名企业负责人，每日穿梭于渔排间，精心照料这些被称 为"水中黄金"的珍贵鱼种。然而，近期受多方因素影响，企业面临资金链紧张困境，险些让这片生机盎 然的渔排陷入沉寂。 "鱼苗、饲料价格上涨，老设备还时不时'罢工'，真的很发愁。"林先生蹲在渔排边说道。赤嘴鳘养殖对 水温、投喂时机要求苛刻，一旦错过合适的鱼苗投放期，后续的经营、收入就会大打折扣。 正当他焦灼之际，当地工行服务团队"踏浪前来"，多次与林先生一起搭乘小渔船，实地勘察渔排养殖情 况。经综合评估，迅速为企业发放"粤农e贷"100万元，用于鱼苗采购、饲料储备及设备改造，并依托优 惠的贷款利率以及灵活的还款政策，直接降低企业原有的融资成本。 "从提交材料到资金到账，工行的效率超乎想象，而且利率还比以前的低！我们对接下来的养殖更有信 心！"林先生望着远处的渔排，笑得笃定。 近年来，赤嘴鳘(mǐn)鱼胶火遍了大江南北，由于富含丰富的蛋白质、维生素、矿物质等，被视作"软黄 金"般的存在。 更让林先生安心的是，该行立下的"铁规矩"——贷款条件公开透明、明确告知融资成本，并将廉洁承诺 书嵌入信贷审批流程，让靠海吃饭的人心里"亮堂堂"。 ...

本报记者 陈衍水 近日，记者走进福建省南平市建阳区麻沙镇竹洲村，空气中弥漫着杨梅特有的清甜气息。对杨梅家庭农 场负责人施民生来说，这本该是满怀喜悦、期待丰收的季节。然而，望着满园挂满枝头、日渐红润的杨 梅，施民生的心中却充满焦虑。 "今年的杨梅长势好，果子又大又甜。可这60亩杨梅林，规模翻了一倍，压力也翻了倍。"他站在郁郁葱 葱的杨梅林中眉头微蹙。 这份压力源自丰收背后的巨大投入。施民生的杨梅家庭农场刚刚从30亩扩大到60亩，正是需要资金的关 键时期，杨梅熟得快，采摘期就十来天，必须争分夺秒。雇工费、包装材料费等都离不开钱。果子挂在 树上，是沉甸甸的希望，也是沉甸甸的负担，收晚了、运慢了，一年的辛苦将大打折扣，因此，采收季 的资金缺口成为施民生的最大难题。 幸好在不久前，因为一次采购，施民生与农行结缘。在农行南平麻沙支行，他第一次在农行办理公户开 户相关业务时，经办客户经理小游了解到他的农场经营情况、扩张历程及当前资金需求后，向他推荐了 特色农户贷款。 农 行南平分行客户经理走访杨梅种植户了解其资金需求 黄炜航/摄 随着15万元贷款审批顺利完成，施民生紧锁的眉头舒展开来，望着即将迎来盛果期的杨梅树，眼中充满 ...

Core Insights - The article highlights the challenges faced by rural poultry farmers, particularly in securing necessary funding for feed, which is critical for maintaining operations and production levels [1][2] - The introduction of the "Nong e Loan" by Shishou Rural Commercial Bank is a significant development, providing credit to farmers without the need for collateral, thus supporting agricultural sustainability and rural economic growth [1][2] Group 1: Financial Support for Farmers - Liu, a poultry farmer in Hubei, struggles with a funding gap for feed, which costs approximately 3000 pounds daily [1] - The bank's "Nong e Loan" program targets farmers with solid credit histories but lacking sufficient collateral, facilitating easier access to credit [1] - The loan of 300,000 yuan was processed quickly, demonstrating the bank's commitment to supporting local agricultural businesses [1] Group 2: Impact on Rural Economy - The provision of credit without collateral not only helps individual farmers like Liu but also stabilizes the employment of numerous workers in the agricultural supply chain [2] - The financial support contributes to the broader goal of rural revitalization, as evidenced by the increased production of fresh eggs, which reflects the positive impact of financial services on agriculture [2]