2024年11月，中国人民银行等七部门联合印发《推动数字金融高质量发展行动方案》，支持金融机构以 数字技术赋能提升金融"五篇大文章"服务质效，推动我国数字经济高质量发展。 作为坚守"三农"服务主阵地的国有大行，中国农业银行山东省分行（以下简称"农行山东省分行"）迅速 响应政策号召，运用数字技术赋能，持续优化金融产品，上线"大棚保"场景，助力农户破解生产痛点， 让数字红利切实直达田间地头。 科技扎根大棚，让种植告别"看天吃饭" 面对这个不起眼的小设备，妻子燕青香起初满是疑虑："就这么个小玩意儿，真能解决大问题？"面对疑 问，农行工作人员并未急于辩解，而是通过耐心讲解功能、手把手教学操作，指导她通过手机小程序实 时查看大棚温湿度数据。 "大棚保"的实效很快显现。一天深夜，燕青香被手机上的预警铃声惊醒，显示棚内湿度急剧上升，温度 也在持续下降，蔬菜面临冻害风险。她立刻叫醒家人，按照提示打开通风设备，调整温控系统，成功避 免了损失。 "除了实时监测温湿度，'大棚保'还能监测长势，用手机拍下叶子状态，专家就能给诊疗建议。"刘杰介 绍道。 如今，借助"大棚保"，刘杰夫妻二人的大棚管理变得更加科学高效。 智慧赋能棚舍，数字 ...

Group 1 - Agricultural Bank of China Liuzhou Branch focuses on serving "three rural issues" and has provided a total of 2.19 billion yuan in agricultural loans since 2025, including 114 million yuan in "Fumin Loans" [1] - The bank has issued 435 million yuan in loans to the sugar and forestry industries this year, with rural industry loans increasing by 370 million yuan since the beginning of the year [1] - Innovative financial products such as "Jinjiao Loan" and "Luosifen e-loan" have been introduced to support local specialty industries [1] Group 2 - Liuzhou's forestry land area is 1.27 million hectares, with a forest coverage rate of 67.22%, supporting industries like timber planting and furniture production [2] - The bank promotes "forest rights mortgage loans" and has issued 75 million yuan in loans to state-owned forest farms, addressing land rights and mortgage registration issues [2] - The bank supports the development of the under-forest economy through products like "Huinong e-loan" and rural production operation loans [2] Group 3 - The bank prioritizes financial support for grain production, offering tailored financial services based on the needs of different agricultural operators [3] - Since 2025, the bank has provided over 26.6 million yuan in loans to the grain production sector, covering processing and sales [3] - The bank facilitates connections between grain producers and processing enterprises to streamline the supply chain [3] Group 4 - The bank actively supports local green economic development and renewable energy projects, providing fixed asset loans at preferential rates [4] - A total of 330 million yuan has been loaned for the construction of wind power projects, improving local infrastructure [4] - The construction of the wind power project has resulted in the assembly of 33 wind turbines and the development of over 30 kilometers of roads benefiting local farmers [4] Group 5 - The bank has established 72 rural service points, covering 95.18% of towns, to provide essential financial services [5] - Financial technology applications are being promoted to enhance service efficiency and accessibility [5] - The bank has issued 53.62 million yuan in loans since 2025 to support 130 business entities through various innovative financial products [6]

Core Viewpoint - The article highlights the integration of digital technology in agriculture and rural revitalization efforts in Linyi, Shandong, showcasing successful initiatives that enhance agricultural productivity and improve market access for farmers [4][12]. Group 1: Agricultural Modernization - Linyi Unicom has implemented various digital solutions such as the "Big Shed Protection" and agricultural traceability systems to modernize agriculture, addressing challenges like small-scale farming and low added value [5]. - The "Big Shed Protection" system allows real-time monitoring of greenhouse conditions, providing alerts and expert guidance when anomalies occur [5]. - The traceability system assigns a "digital ID" to agricultural products, ensuring quality and safety from production to sale, thereby enhancing market competitiveness [5]. Group 2: E-commerce and New Farmers - The establishment of the Linyi County E-commerce Association aims to promote e-commerce development, with training programs for new farmers on video production and online sales [7]. - Nearly 100 new farmers have joined the live-streaming initiative, effectively expanding sales channels and increasing the added value of agricultural products [7]. - The efforts of the village secretary, Wei Shiyou, have been recognized with multiple awards, highlighting the success of the e-commerce initiatives [7]. Group 3: Communication Infrastructure - Linyi Unicom has invested over 60 million yuan in the "Broadband Rural" initiative, achieving a broadband installation satisfaction rate of over 99% in rural areas [8]. - Plans are in place to increase rural broadband coverage from 65% to over 70% by 2025, alongside significant investments in upgrading to gigabit networks [8]. - The company has also invested 200 million yuan in mobile network coverage, establishing over 1,500 4G and 1,000 5G base stations, ensuring comprehensive connectivity in rural areas [8]. Group 4: Digital Governance and Services - A digital village platform has been established in Zhenliuzhuang Village, integrating governance, agricultural production, and product sales through a three-tier interaction system [10]. - The platform has achieved a 99.6% resolution rate for conflicts through a "smart security" network, exemplifying effective digital governance [10]. - The digital services have facilitated the sale of local products worth 20 million yuan and improved the implementation of social welfare policies [10]. Group 5: Future Outlook - The article emphasizes the importance of digital empowerment in rural construction, with Linyi Unicom committed to enhancing rural infrastructure and exploring innovative applications of digital technology in agriculture [12].