又是一年秋种忙，《金融时报》记者来到长江之滨的"中国甘蓝之乡"嘉鱼县。清晨的嘉鱼县潘家湾镇， 露水还挂在叶尖，菜农已在田间忙碌，他们或是精心管护田里的作物，或是将刚采摘的蔬菜装车发运。 在这片希望的田野上，一股股金融活水正悄然流淌，滋养着这处享有"北有寿光，南有嘉鱼"美誉的蔬菜 之乡。 精准滴灌 解产业发展之渴 金秋十月，嘉鱼县潘家湾镇的连片大棚内，甘蓝等蔬菜长势喜人。对于湖北金润农业发展有限公司副总 经理张建建来说，今年的丰收季格外不同。 "这笔信用贷款来得及时、利率很优惠！"站在蔬菜大棚前，张建建难掩激动。今年6月，这家省级农业 龙头企业获得贷款授信500万元，成为嘉鱼县作为湖北省"两农信用贷"（农民个人信用价值、农村资产 信用价值贷款）试点县市的首批受益者。作为中国农业科学院和湖北省农科院的定点科技示范基地，金 润农业一直致力于蔬菜绿色种植和新品种推广。张建建坦言："农业企业普遍面临轻资产、缺抵押的融 资困境。这笔信用贷款利率优惠，可以随借随还，大大降低了企业的用款成本，为企业后期研发、推广 科技良种提供了更多的资金。"据悉，享受财政贴息优惠后，企业贷款实际融资成本仅2.75%。 张建建介绍，基地每年培 ...

Core Viewpoint - The financial support in Jia Yu County is significantly enhancing the agricultural sector, particularly in vegetable cultivation, through innovative credit products and services tailored to the needs of farmers [3][4][12]. Financial Support and Credit Innovations - The Agricultural Bank of China provided a credit loan of 5 million yuan to Hubei Jinrun Agricultural Development Co., which has a planting area of 8,250 acres and is focused on green vegetable cultivation [3][4]. - As of September 20, the Agricultural Bank in Jia Yu County has granted credit of 16.79 million yuan to 59 vegetable growers and 7.3 million yuan to 28 livestock farmers, effectively addressing funding bottlenecks [4]. - Jia Yu County has established a multi-layered rural financial service system, with agricultural loans reaching 9.86 billion yuan, a year-on-year increase of 18.3% [4]. Innovative Financial Products - Jia Yu Rural Commercial Bank launched the "Jia Nong Loan" series, which calculates credit value based on planting area, allowing larger areas to receive higher credit limits [6][10]. - The bank has issued loans totaling 89.13 million yuan under the "Jia Nong Loan" program, benefiting 260 households [6]. - The bank's innovative approach has led to a 173.67% year-on-year increase in the balance of re-loans for supporting agriculture and small businesses, reaching 466 million yuan [6]. Infrastructure and Service Expansion - The establishment of 75 village service points has improved access to financial services, allowing villagers to conduct transactions conveniently [7]. - The bank's efforts have resulted in a significant increase in the number of loan clients, surpassing 18,300 by mid-year [13]. Impact on Agricultural Development - The financial support has led to an expansion of vegetable planting areas to 460,000 acres, generating an annual output value exceeding 6 billion yuan, contributing to an increase in per capita income for farmers by over 10,000 yuan [12][13]. - The Agricultural Development Bank has invested 90 million yuan in projects aimed at upgrading agricultural infrastructure, enhancing irrigation and access to fields [12]. Conclusion - The integration of financial services with the agricultural sector in Jia Yu County is fostering a robust environment for vegetable production, demonstrating the effectiveness of targeted financial strategies in rural development [12][13].