培育和发展新质生产力已经成为我国追求经济高质量增长的核心动力，而发展新质生产力关键在于 科技创新。2024年底召开的中央农村工作会议强调要"强化农业科技和装备支撑"，2025年中央一号文件 提出"推进农业科技力量协同攻关""以科技创新引领先进生产要素集聚，因地制宜发展农业新质生产 力"，2025年《政府工作报告》也明确提出"深入实施种业振兴行动""加快先进适用农机装备研发应用和 农业科技成果大面积推广"。农业科技创新是推动农村经济发展、乡村振兴、农业农村现代化、培育农 业新质生产力的核心引擎，已被广泛验证和认知。 金融赋能农业新质生产力，是金融服务实体经济的内在要求和必然选择。金融如何赋能农业新质生 产力发展？如何赋能农业科技创新？深入推动构建赋能农业科技创新的金融服务机制，以破解农业科技 创新融资难题、深化智慧农业发展、推动农业产业结构优化和升级，对于培育农业新质生产力和提升农 业生产效率、建设农业强国和增强粮食安全保障甚至是提升农业国际竞争力等，都具有重要意义。 围绕"金融如何更好赋能农业新质生产力发展"的相关问题，《金融时报》记者专访了中国农业大学 经济管理学院教授、农村金融与投资研究中心主任何广文。何 ...

Core Viewpoint - Tianjin Rural Commercial Bank has been dedicated to serving the agricultural sector for 75 years, contributing to rural revitalization with a focus on financial support for agriculture, rural areas, and farmers [1] Group 1: Financial Performance - As of June 2025, the bank's agricultural loan balance exceeded 34.3 billion, representing a growth of 13.95% since the beginning of the year, providing substantial financial support for urban rural revitalization [1] - The bank disbursed a total of 11.6 billion in agricultural loans in the current year, an increase of 1.5 billion compared to the previous year, enhancing rural industrial upgrades through diversified financial tools [3] Group 2: Service Innovations - The bank has established a comprehensive service system characterized by "institution + mechanism + cooperation" to support urban rural revitalization, including the formation of a Financial Promotion Committee for Rural Revitalization [2] - A "Four-Domain" linkage mechanism has been implemented to cover rural areas across the city, ensuring efficient and comprehensive service delivery [2] - Digital services have been enhanced through systems like "Silver Agriculture Direct Connection" and "Auspicious Property Pass," providing one-stop solutions for rural economic organizations and agricultural enterprises [3] Group 3: Future Directions - The bank aims to continue deepening product innovation and expanding cooperative ecosystems, working alongside government, enterprises, and farmers to further the goals of rural revitalization [4] - The bank's commitment to "financial services for the people" remains strong, as it seeks to write a new chapter in its legacy while promoting shared prosperity [4]

Core Insights - Tianjin Rural Commercial Bank reported total assets of 455.3 billion yuan, a year-on-year growth of 6.20% as of the end of 2024 [1] - The bank's net profit reached 2.946 billion yuan, with a growth rate of 5.98% [1] - The non-performing loan ratio improved to 1.5%, indicating enhanced asset quality [4] Financial Performance - Total liabilities amounted to 417.5 billion yuan, growing at 5.89% [1] - Operating income was 9.361 billion yuan, reflecting a growth of 3.34% [1] - The bank's net interest income accounted for 73.73% of total income, while non-interest income made up 26.27%, showing an improvement in income structure [5] Business Strategy - The bank adheres to a "six-pronged" operational philosophy focusing on differentiated operations, specialized services, and digital empowerment [1] - It aims to optimize its business structure by concentrating on inclusive finance, elderly finance, and green finance [2] Sector-Specific Initiatives - In technology finance, the bank established specialized branches and increased loans to tech enterprises by 24%, reaching 19.887 billion yuan [2] - Green loans surged by 57% to 19.212 billion yuan, significantly outpacing overall loan growth [2] - Inclusive finance initiatives led to a 9.11% increase in loans to small and micro enterprises, totaling 37.857 billion yuan [2] Risk Management and Compliance - The bank's non-performing asset ratio decreased to 1.79%, and the provision coverage ratio improved to 200.31% [4] - Core Tier 1 capital adequacy ratio stood at 11.74%, exceeding regulatory requirements by 4.24 percentage points [4] Future Outlook - The bank plans to focus on optimizing asset structure, enhancing retail capacity, and improving digital financial capabilities in 2025 [5]