Core Viewpoint - The Bank of China Ningbo Branch is actively supporting rural revitalization by providing targeted financial resources to key areas in agriculture and rural development, thereby injecting new momentum into the local economy [1][2]. Group 1: Financial Support for Agricultural Innovation - The Bank of China Ningbo Branch has provided a loan of 10 million yuan to a high-tech agricultural company focused on modern agricultural technology, enabling the company to enhance its market expansion and technological research [1]. - This financial backing is aimed at overcoming challenges such as high costs and financing difficulties, thus promoting efficiency in local agriculture and increasing farmers' income [1]. Group 2: Innovative Financial Products for Small Farmers - The "Merchant Convenience Loan" service was introduced to address the financing challenges faced by small agricultural entities, characterized by light assets and lack of collateral [1]. - A family farm in Xiangshan benefited from this service, receiving a credit line of 200,000 yuan without traditional collateral, which helped boost the online sales of local citrus products [2]. Group 3: Commitment to Rural Revitalization - Since 2025, the Bank of China Ningbo Branch has disbursed over 20 billion yuan in loans to more than 5,700 agricultural entities, demonstrating its commitment to rural revitalization [2]. - The branch plans to continue optimizing financial supply and providing precise financial support to enhance rural development [2].

转自：新华财经 象山某家庭农场正是这一乡村普惠金融服务的受益者。家庭农场负责人罗师傅在象山定塘镇上承包了近 20亩土地，用于象山"红美人"柑橘种植，除自身种植销售外，罗师傅还收购镇上村民的柑橘进行网上销 售，带动当地柑橘产业的健康发展。然而，自身种植和收购当地村民柑橘给罗师傅带来了一定的资金压 力。中行宁波象山支行基于其良好的经营状况和线上销售潜力，通过"商户便利贷"金融服务方案，在缺 乏传统抵押物的情况下，迅速提供20万元纯信用授信支持，为农场插上了"云翅膀"，让象山定塘镇 的"红美人"柑橘通过网络畅销四方，显著提升了农场和当地柑橘种植农民的经营效益。 从支持前沿农业科技企业打造核心竞争力，到金融赋能家庭农场拥抱数字经济拓宽增收渠道，中行宁波 市分行以灵活多样的金融产品和精准高效的服务模式，展现了金融助力乡村振兴的深度与温度。今年以 来，该行已为5700余家涉农经营主体累计投放超200亿元贷款。未来，中行宁波市分行将继续坚守服 务"三农"初心，持续优化金融供给，引金融"活水"精准滴灌乡村沃土，书写普惠金融服务乡村振兴新篇 章。（葛宁杰、谢可馨） 编辑：赵鼎 宁波某农业科技公司是一家致力于现代农业科技研发与应 ...

Core Viewpoint - China Bank Ningbo Branch has made significant strides in promoting inclusive finance and supporting the development of small and micro enterprises, achieving a milestone with over 20,000 clients by mid-2025, reflecting an average annual growth rate of nearly 40% over the past three years [1] Group 1: Financial Products and Services - The bank has introduced various innovative financial products such as "Specialized, Refined, New Loans," "Science and Technology Loans," and "Talent Loans," providing over 17.5 billion yuan in credit to nearly 700 specialized enterprises in Ningbo [2] - The bank has developed an online product called "Export E-Loan" to support small foreign trade enterprises, enhancing financial services in line with national policies [2] - A "risk-sharing" model has been established in collaboration with financing guarantee and insurance companies to strengthen credit support for enterprises, with an increasing proportion of inclusive credit loans [2] Group 2: Employment and Community Support - The bank has launched "Hui Chuang Loan" and "Chuang Dan Loan" to support employment and entrepreneurship for veterans and university graduates, providing 16.1 billion yuan in credit support to approximately 1,900 clients, benefiting around 110,000 people [3] - The bank has implemented policies for loan renewals, offering nearly 6 billion yuan in support through products like "Relay Tongbao" and "Renew E-Loan" [3] Group 3: Future Directions - The bank aims to deepen its commitment to financial services that prioritize the public and enhance the role of inclusive finance in supporting the local economy [3]

Core Insights - The "Xianjin Tong" digital financial platform in Xianning, Hubei Province, has significantly supported the China Bank Xianning Branch in serving the real economy, with over 2.5 billion yuan in loans disbursed by June 18, benefiting more than 110 small and micro enterprises and urban residents [1][2] Group 1: Support for Small and Micro Enterprises - The Xianning Branch focused on addressing the financing difficulties of small and micro enterprises, issuing 330 million yuan in inclusive loans to 51 small entities through the platform [1] - A specific agricultural trading enterprise in Jiayu County received a rapid loan approval of 10 million yuan within just two days, alleviating their funding shortage during the procurement season [1] Group 2: Services for Individual Residents - The branch issued 4.05 million yuan in personal operating loans in the second quarter, utilizing products like merchant convenience loans and E-commerce loans [1] - A resident in Chongyang County successfully obtained a 200,000 yuan loan for expanding her hotel business, highlighting the platform's accessibility and lower interest rates compared to the market [1] Group 3: Digital Empowerment and Efficiency - The "Xianjin Tong" platform has achieved full service coverage across 11 branches, with over 80% of 150 registered users completing credit applications via mobile [2] - The average approval time for small and micro enterprises has been reduced to within 24 hours, enhancing the flow of financial resources to the real economy [2] Group 4: Future Development Plans - The bank plans to deepen the application of the platform by expanding collaborations with agricultural cooperatives and business associations [2] - A "mobile financial service team" will be established to reach parks and communities, translating more beneficial policies into tangible development outcomes [2]