稻浪翻金季，硕果盈枝时。伴着丰收的欢歌，又到了一年农民丰收节。 在这片充满希望的土地上，除了忙碌的农人，还有一群特殊的"陪伴者"——工商银行正以"有温度、有力度、 有深度"的金融服务，为丰收保驾护航，为乡村振兴注入源源不断的动力。 在河南、天津等地，工商银行推进乡村人居环境治理，新建农村污水处理设施、污水管网，改造农户厕所， 同时配套建设公共厕所、垃圾中转站等，惠及百余个行政村。 乡村的"面子"要靓，"里子"更要实。工商银行深知，完善的基础设施是村镇焕新的前提，更是乡村治理的"硬 件基础"。 在秋收之期，累累硕果也见证着工行的"丰收答卷"：2021年以来，工商银行在"三农"领域融资投放超过11万 亿元，截至2025年6月末，涉农贷款余额近5万亿元，较2021年初翻了一番。 工商银行执金融画笔，描绘出一幅"兴村、兴业、兴民"的乡村振兴新图景。 运"兴村"之笔着色乡村焕彩 从阡陌纵横的田野到错落有致的村落，从传统农耕的坚守到数字治理的革新，乡村的每一次蝶变，都离不开 金融力量的深度赋能。 作为党领导下的国有大行，工商银行始终胸怀"国之大者"，积极响应"国之所需""民之所盼"，以金融服务乡 村振兴主力银行为目标，扎 ...

Core Viewpoint - The article emphasizes the role of Postal Savings Bank in facilitating financial support for private enterprises and rural revitalization in Guangdong's Heyuan city, highlighting a collaborative approach between government, banks, and businesses to create a sustainable financial ecosystem [1][8]. Group 1: Financial Support Mechanisms - Postal Savings Bank of Heyuan has established a collaborative platform that allows banks to proactively engage with businesses, breaking down information barriers and creating a "whitelist" of enterprises for targeted financial services [2]. - The bank offers customized financial products to address the specific needs of private enterprises, particularly those with limited assets and collateral, optimizing the credit approval process [2][4]. - The bank has provided credit support to nearly 500 private enterprises and individual businesses in Heyuan, with a loan balance exceeding 1.5 billion, of which nearly 60% is directed towards rural revitalization-related industries [8]. Group 2: Customized Services - The bank's approach includes tailored financial solutions based on the unique circumstances of each business, moving from generic loan products to bespoke services that align with the operational needs of enterprises [3][4]. - For example, a fruit orchard owner received a loan without traditional collateral requirements, enabling him to invest in advanced irrigation systems, resulting in a 30% increase in annual output [3][6]. Group 3: Industry Chain Empowerment - The bank focuses on empowering core enterprises within industry chains, which in turn support smallholder farmers and micro-enterprises, fostering collective growth across the agricultural sector [5][6]. - A notable case is the support provided to Guangdong Xinghui Biotechnology Co., which received a quick loan approval to enhance its oil tea production capabilities, subsequently increasing its processing efficiency by 40% and adding 20 new farmers to its cooperative [5][6]. Group 4: Inclusive Financial Services - The bank has committed to providing 300 million in credit annually to individual business owners and private enterprises, ensuring that financial services reach the grassroots level of the economy [7]. - This initiative includes tailored service packages for different business types, such as retail and agriculture, and aims to make financial services accessible at local bank branches [7]. Group 5: Future Directions - The bank plans to continue innovating its credit products and reducing financing costs for private enterprises, ensuring that financial services are not only precise but also affordable [8].

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]

Core Viewpoint - Hainan Rural Commercial Bank has successfully completed its first year of reform and listing, focusing on local roots, innovation, and service to drive high-quality development in line with provincial government goals [3][4][5]. Group 1: Reform and Development - The bank is the first and currently the only fully provincial unified legal entity rural commercial bank in China, marking a significant achievement in the reform of the rural credit system [4][5]. - The unified legal entity model has transformed the previous decentralized operations of local rural credit institutions into a streamlined, efficient decision-making process, enhancing service efficiency and product innovation capabilities [5][6]. Group 2: Financial Performance - As of April 2025, the bank's total assets reached 394.38 billion yuan, with deposits of 343.39 billion yuan and loans of 198.73 billion yuan, reflecting increases of 4.97%, 8.08%, and 6.08% respectively compared to before the reform [6]. - The bank has maintained the highest market share among commercial banks in the province and has been the top taxpayer among local financial institutions [6]. Group 3: Support for Agriculture and Small Enterprises - The bank has established a dedicated team of over 850 personnel focused on rural revitalization financial services, enhancing its capacity to support agriculture and small enterprises [10]. - A series of policies have been introduced to increase the proportion of agricultural and small micro-loans, with a notable increase in the number of agricultural loan accounts [8][11]. Group 4: Technological Innovation - The bank has launched various digital products aimed at enhancing financial services, including "Rural Revitalization e-loan" and "Inclusive Small Micro e-loan," facilitating a digital transformation in its operations [12]. - A new risk management framework has been implemented to improve risk control capabilities, enhancing the bank's ability to monitor and manage risks dynamically [16][17]. Group 5: Contribution to Free Trade Port Development - In the first quarter of 2025, the bank issued loans totaling 20.84 billion yuan, a year-on-year increase of 25.31%, with significant support for key industrial parks and innovative financing projects [18]. - The bank has played a crucial role in financing healthcare projects and supporting local enterprises, contributing to the development of the Hainan Free Trade Port [18]. Group 6: Future Outlook - The next three years are deemed critical for the bank's transformation and high-quality development, with a commitment to leveraging reform for growth and efficiency [19].