为深入贯彻落实党的二十大和二十届历次全会精神，落实《中共中央 国务院关于统筹建立常态化 防止返贫致贫机制促进乡村全面振兴的意见》和《中共中央 国务院关于锚定农业农村现代化扎实推进 乡村全面振兴的意见》部署要求，深入学习运用"千万工程"经验，加快构建过渡期后常态化金融帮扶机 制，持续提升金融支持的力度、精度和实效，扎实推进乡村全面振兴，推动城乡融合发展，近日，中国 人民银行、金融监管总局、中国证监会、农业农村部联合发布《关于统筹建立常态化金融支持机制 助 力防止返贫致贫和乡村全面振兴的意见》（以下简称《意见》）。 《意见》提出，要健全重点人群开发式金融帮扶长效机制，调整优化脱贫人口小额信贷，完善农户 小额信用贷款政策，常态化支持防止返贫致贫对象发展。发挥金融助力产业帮扶带动作用，鼓励金融机 构开发特色优势产业贷款，有条件的地区可提高创业担保贷款额度上限。建立分层分类的欠发达地区金 融支持机制，坚持新增金融资金优先满足、新增金融服务优先布设乡村振兴重点帮扶县。加大对民族地 区、革命老区、边疆地区等区域的金融资源倾斜力度。 《意见》强调，要强化重点领域金融资源投入，做好粮油生产金融服务，支持农业综合生产能力和 质量 ...

Core Viewpoint - The People's Bank of China, along with financial regulatory bodies, has issued guidelines to establish a normalized financial support mechanism aimed at preventing poverty and promoting rural revitalization and urban-rural integration [1][2]. Group 1: Financial Support Mechanism - The guidelines propose a long-term financial support mechanism for key populations, optimizing microloans for impoverished individuals and enhancing credit policies for farmers [1]. - Financial institutions are encouraged to develop loans for specialized industries, with some regions allowed to increase the upper limit for entrepreneurial guarantee loans [1]. - A tiered financial support system for underdeveloped areas will be established, prioritizing new financial resources and services for key rural revitalization counties [1]. Group 2: Agricultural and Rural Development - The guidelines emphasize strengthening financial resource investment in key areas, particularly in grain and oil production, to enhance agricultural productivity and quality [2]. - Supply chain financial services, such as accounts receivable financing, will be developed to meet the financial needs of the entire agricultural industry chain [2]. - Increased long-term funding for rural infrastructure construction will support the integration of agriculture, culture, and tourism [2]. Group 3: Financial Services and Innovation - The guidelines call for enhanced financial service capabilities and the establishment of a robust financial organization system [2]. - The implementation of financial technology initiatives for rural revitalization will be deepened, promoting the adoption of mobile payment and credit evaluation systems [2]. - Financial institutions, especially local ones in underdeveloped areas, are encouraged to issue special financial bonds for small and micro enterprises and agriculture [2].

意见还提出，要强化重点领域金融资源投入，做好粮油生产金融服务。开发应收账款融资等供应链金融 服务场景，保障农业全产业链金融需求，扩大县域富民产业发展金融供给。加大农村基础设施建设中长 期资金投入，支持"农文旅"融合发展。 意见要求，鼓励金融机构尤其是欠发达地区地方法人金融机构发行小微、"三农"等专项金融债券。构建 资本市场综合支持体系，继续实施企业上市"绿色通道"政策。创新发展保险产品和服务。 中国人民银行有关负责人表示，下一步，中国人民银行将加强与金融监管总局、中国证监会、农业农村 部等部门的协同配合，及时总结常态化帮扶和乡村振兴金融服务工作特色经验做法，加强统计监测与考 核评估，创新乡村振兴投融资机制，助力守住不发生规模性返贫致贫底线，推进乡村全面振兴。 据介绍，四部门联合发布的《关于统筹建立常态化金融支持机制 助力防止返贫致贫和乡村全面振兴的 意见》提出多项金融举措，旨在加快构建过渡期后常态化金融帮扶机制，扎实推进乡村全面振兴，推动 城乡融合发展。 意见提出，要健全重点人群开发式金融帮扶长效机制，调整优化脱贫人口小额信贷，完善农户小额信用 贷款政策，常态化支持防止返贫致贫对象发展。鼓励金融机构开发特色优 ...

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has issued guidelines to establish a normalized financial support mechanism aimed at preventing poverty and promoting rural revitalization, in line with the directives from the 20th National Congress of the Communist Party of China [1][4]. Group 1: Financial Support Mechanism - The guidelines emphasize the need to develop a long-term financial support mechanism for key populations, optimizing microcredit for impoverished individuals and supporting those at risk of falling back into poverty [4]. - Financial institutions are encouraged to create loans for specialized industries and increase the upper limit for entrepreneurial guarantee loans in eligible regions [4]. - A tiered financial support mechanism for underdeveloped areas will be established, prioritizing new financial resources for key rural revitalization counties [4]. Group 2: Investment in Key Areas - The guidelines stress the importance of financial resource allocation in key sectors, particularly in grain and oil production, to enhance agricultural productivity and quality [5]. - Supply chain financial services, such as accounts receivable financing, will be developed to meet the financial needs of the entire agricultural industry chain [4][5]. - There will be increased long-term funding for rural infrastructure projects and support for the integration of agriculture, culture, and tourism [4]. Group 3: Financial Innovation and Collaboration - The guidelines call for enhanced collaboration among various financial sectors, encouraging local financial institutions in underdeveloped areas to issue special bonds for small and micro enterprises and agriculture [5]. - A comprehensive capital market support system will be constructed, including the continuation of a "green channel" policy for company listings [5]. - The implementation of innovative insurance products and services will be promoted, alongside a monitoring mechanism to assess the effectiveness of financial support policies [5].

一图读懂 关于统筹建立常态化金融支持机制 助力防止返贫致贫和乡村全面振兴的意见 近日,中国人民银行、金融监管总局、中 国证监会、农业农村部联合印发《关于统筹建 立常态化金融支持机制 助力防止返贫致贫和 乡村全面振兴的意见》,聚焦防止返贫致贫对 象和欠发达地区内生发展能力培育,加快构建 过渡期后常态化金融帮扶机制,推动城乡融合 发展。 健全重点人群开发式 金融帮扶长效机制 优化脱贫 完善农户 人口小额 小额信用 信贷政策 贷款政策 ▲ 继续实施好创业担保、国家助学贷款政策。 建立分层分类的 欠发达地区金融支持机制 常态化支持防止返贫致贫对象发展 发挥余融助力产业帮扶持动作用 开发特色产业贷 用好扶持政策同带动 农户增收挂钩机制, 款,强化帮扶产业 全链条信贷服务。 共享经营主体名单。 促进重点人群创业就业就学 加大乡村振兴重点帮扶县金融支持 坚持新增金融资金优先满足、 新增金融服务优先布设。 发挥融智融资优势, 提供综合性金融服务。 做好融资情况监测, 健全风险分担和补偿机制。 做好易地搬迁后续扶持金融服务 加大特色产业培育、职业技能培训等领 域金融支持力度。 创新投融资模式,支持安置区配套基础设 施、产业园区 ...

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has issued guidelines to establish a normalized financial support mechanism aimed at preventing poverty and promoting rural revitalization, in line with the directives from the 20th National Congress of the Communist Party of China [1][2]. Group 1: Financial Support Mechanism - The guidelines emphasize the need to develop a long-term financial support mechanism for key populations, optimize microcredit for impoverished individuals, and provide ongoing support to prevent poverty [1][2]. - Financial institutions are encouraged to create loans for specialized industries and increase the upper limit for entrepreneurial guarantee loans in eligible regions [2]. Group 2: Investment in Key Areas - There is a strong focus on enhancing financial resource allocation in critical sectors, particularly in grain and oil production, to improve agricultural productivity and quality [2]. - The guidelines call for increased long-term funding for rural infrastructure and support for the integration of agriculture, culture, and tourism [2]. Group 3: Financial Services and Innovation - The guidelines advocate for the development of supply chain financial services, such as accounts receivable financing, to meet the financial needs of the entire agricultural industry chain [2]. - Financial technology initiatives will be implemented to empower rural revitalization, including the promotion of mobile payment systems and the establishment of credit rating systems for rural entities [2]. Group 4: Collaborative Financial Strategies - The guidelines stress the importance of multi-faceted financial collaboration, encouraging local financial institutions in underdeveloped areas to issue special bonds for small and micro enterprises and agriculture [2]. - A comprehensive capital market support system will be constructed, continuing the "green channel" policy for company listings [2]. Group 5: Monitoring and Evaluation - The People's Bank of China will enhance collaboration with regulatory bodies to summarize effective practices in financial support and monitor the implementation of policies aimed at rural revitalization [3].

《意见》强调，要强化重点领域金融资源投入，做好粮油生产金融服务，支持农业综合生产能力和质量 效益提升。开发应收账款融资等供应链金融服务场景，保障农业全产业链金融需求，扩大县域富民产业 发展金融供给。加大农村基础设施建设中长期资金投入，支持"农文旅"融合发展。要强化金融服务能力 建设，健全金融组织体系。深化实施金融科技赋能乡村振兴示范工程，推动移动支付等新兴支付方式普 及应用，持续开展"信用户、信用村、信用乡（镇）"及新型农业经营主体评定工作，夯实农村基础金融 服务。 《意见》要求，要强化金融多业态协同，发挥债券市场融资功能，鼓励金融机构尤其是欠发达地区地方 法人金融机构发行小微、"三农"等专项金融债券。构建资本市场综合支持体系，继续实施企业上市"绿 色通道"政策。创新发展保险产品和服务。强化政策保障和组织实施，充分发挥货币、信贷政策的激励 作用，引导金融机构持续加大对乡村振兴领域尤其是防止返贫致贫对象和欠发达地区的信贷资源投入。 建立健全常态化的金融帮扶政策效果统计与动态监测机制，定期跟踪分析政策落实成效。 中国人民银行金融监管总局中国证监会农业农村部印发《关于统筹建立常态化金融支持机制助力防止返 贫致贫和乡 ...

Core Viewpoint - The People's Bank of China, along with financial regulatory bodies, has issued guidelines to establish a normalized financial support mechanism aimed at preventing poverty and promoting rural revitalization, emphasizing the need for targeted financial assistance and resource allocation to underdeveloped areas [1][3][17]. Group 1: Financial Support Mechanism - The guidelines propose a long-term financial support mechanism for key populations, optimizing microcredit policies for impoverished individuals and ensuring continuous support for those at risk of falling back into poverty [1][3][5]. - Financial institutions are encouraged to develop loans for specialized industries and increase the upper limit for entrepreneurial guarantee loans in suitable regions [1][2][4]. Group 2: Investment in Key Areas - The guidelines stress the importance of enhancing financial resources in critical sectors, particularly in agricultural production and rural infrastructure, to improve overall productivity and quality [2][8][11]. - There is a focus on expanding financial supply for county-level industries and supporting the integration of agriculture, culture, and tourism [2][10][12]. Group 3: Financial Service Capacity Building - The guidelines call for the establishment of a robust financial organization system, with state-owned banks and rural financial institutions playing a pivotal role in supporting rural revitalization [12][13]. - Financial institutions are urged to innovate and diversify their product offerings to meet the specific needs of agricultural enterprises and rural communities [12][14]. Group 4: Multi-Industry Financial Collaboration - The guidelines encourage the issuance of special financial bonds by local financial institutions to raise stable, low-cost funds for rural development [15][16]. - There is an emphasis on creating a comprehensive capital market support system to facilitate financing for rural enterprises and agricultural projects [15][16]. Group 5: Policy Implementation and Monitoring - The guidelines highlight the need for effective monitoring and evaluation of financial support policies, ensuring that resources are allocated efficiently and effectively to prevent poverty [17][18]. - Financial institutions are encouraged to share successful practices and experiences in rural financial services to promote a positive social environment for ongoing support initiatives [17][18].

意见全文： 中国人民银行 金融监管总局 中国证监会 农业农村部 为深入贯彻落实党的二十大和二十届历次全会精神，落实《中共中央 国务院关于统筹建立常态化防止 返贫致贫机制促进乡村全面振兴的意见》和《中共中央 国务院关于锚定农业农村现代化扎实推进乡村 全面振兴的意见》部署要求，深入学习运用"千万工程"经验，加快构建过渡期后常态化金融帮扶机制， 持续提升金融支持的力度、精度和实效，扎实推进乡村全面振兴，推动城乡融合发展。近日，中国人民 银行、金融监管总局、中国证监会、农业农村部联合发布《关于统筹建立常态化金融支持机制 助力防 止返贫致贫和乡村全面振兴的意见》（以下简称《意见》）。 《意见》提出，要健全重点人群开发式金融帮扶长效机制，调整优化脱贫人口小额信贷,完善农户小额 信用贷款政策，常态化支持防止返贫致贫对象发展。发挥金融助力产业帮扶带动作用，鼓励金融机构开 发特色优势产业贷款，有条件的地区可提高创业担保贷款额度上限。建立分层分类的欠发达地区金融支 持机制，坚持新增金融资金优先满足、新增金融服务优先布设乡村振兴重点帮扶县。加大对民族地区、 革命老区、边疆地区等区域的金融资源倾斜力度。 《意见》强调，要强化重点领域 ...

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has issued guidelines to establish a normalized financial support mechanism aimed at preventing poverty and promoting rural revitalization, in line with the directives from the 20th National Congress of the Communist Party of China [1][2]. Group 1: Financial Support Mechanism - The guidelines propose the establishment of a long-term financial support mechanism for key populations, optimizing microcredit for impoverished individuals and enhancing credit policies for farmers [1][2]. - Financial institutions are encouraged to develop loans for specialized industries and increase the upper limit for entrepreneurial guarantee loans in eligible regions [1][2]. - A tiered financial support mechanism for underdeveloped areas will be established, prioritizing new financial resources for key rural revitalization counties [1][2]. Group 2: Agricultural and Rural Development - The guidelines emphasize the need for financial resources to be directed towards key areas, including grain and oil production, to enhance agricultural production capacity and quality [2]. - Supply chain financial services, such as accounts receivable financing, will be developed to meet the financial needs of the entire agricultural industry chain [2]. - There will be increased investment in rural infrastructure and support for the integration of agriculture, culture, and tourism [2]. Group 3: Financial Services and Innovation - The guidelines call for strengthening the financial service capacity and improving the financial organizational system [2]. - Financial institutions, particularly local ones in underdeveloped areas, are encouraged to issue special financial bonds for small and micro enterprises and agriculture [2]. - The guidelines advocate for the innovation of insurance products and services, as well as the establishment of a monitoring mechanism for the effectiveness of financial support policies [2][3]. Group 4: Collaboration and Implementation - The People's Bank of China will enhance collaboration with regulatory bodies to summarize effective practices in financial support and rural revitalization [3]. - There will be a focus on statistical monitoring and evaluation of the financial services provided for rural revitalization [3]. - The aim is to innovate financing mechanisms to prevent large-scale poverty and promote comprehensive rural revitalization [3].