央视网消息：最新数据显示，今年以来我国涉农贷款持续增长。近日，中国人民银行、农业农村部联合推出19条举措，着力 解决农村金融融资难、融资贵、融资慢等问题。 在宁夏，普惠金融正加速下沉乡村，攻克乡村融资"手续繁、门槛高、覆盖窄"的难题，探索出一条服务"三农"的崭新路径。 了解情况后，刘杰为合作社匹配了当地的线上融资产品"富宁贷"，把合作社的农业设施资源转化为可抵押的资产，通过"农业 设施产权抵押"快速为合作社发放了300万元贷款。 工商银行宁夏分行普惠金融事业部总经理 冯斌：在线上，依托金融科技，推动普惠金融服务加速向数字化智能化转型，引导 金融活水精准滴灌三农客群。在线下，创新构建"服务网点、流动银行车、普惠金融服务点"三维农村服务网络，首创"金融副乡 长、金融村官，驻村第一书记"三级联动的服务机制，打通了金融服务乡村振兴的"最后一公里"。 这几天，派驻在望洪镇的金融副镇长刘杰几乎每天都要走乡入户，挨家挨户了解农户需求。不久前的一次走访中，他得知当 地农业专业合作社正深陷资金困境。 在宁夏，还有多名像刘杰这样的驻村金融官活跃在田间地头，量身匹配最合适的贷款产品和额度。 ...

农业观察 经济观察网 据央视新闻报道，最新数据显示，今年以来我国涉农贷款持续增长。近日，中国人民银行、农业农村部联合推出19条举措，着力解决农村金融 融资难、融资贵、融资慢等问题。 宁夏： 驻村金融官为乡村振兴按下"快进键" 在此次中国人民银行、农业农村部联合出台的19项举措中，明确提到要创新乡村"土特产"融资模式和专属金融产品，支持拓宽农民增收渠道。 记者在采访中发现，不少地方正创新和深化乡村富民产业金融服务，让"土特产"变身富民"金疙瘩"。 在宁夏，普惠金融正加速下沉乡村，攻克乡村融资"手续繁、门槛高、覆盖窄"的难题，探索出一条服务"三农"的崭新路径。 这几天，派驻在望洪镇的金融副镇长刘杰几乎每天都要走乡入户，挨家挨户了解农户需求。不久前的一次走访中，他得知当地农业专业合作社正深陷资金困 境。 宁夏永宁县望洪镇伟国农业专业合作社理事长 潘伟国：去年流转了3000亩地，连现在的地加起来差不多6000亩了，资金就不够用了。农业资金方面最难就 是没有抵押物，像我们的设施、农机、加工设备都不能作为抵押，所以贷款难。 了解情况后，刘杰为合作社匹配了当地的线上融资产品"富宁贷"，把合作社的农业设施资源转化为可抵押的资 ...

Core Viewpoint - The article emphasizes the role of green finance in promoting the comprehensive green transformation of rural industries, aligning with the concept that "lucid waters and lush mountains are invaluable assets" and serving as a crucial pathway for rural ecological revitalization and the construction of a strong agricultural nation [1] Group 1: Green Finance Initiatives - The People's Bank of China (PBOC) in Guyuan City is actively constructing a green finance system that integrates policy guidance, innovative tools, and ecological empowerment to channel financial resources towards rural green industries [2] - By the end of 2024, financial institutions in the region have utilized carbon reduction support tools to issue loans amounting to 30 million yuan, focusing on key areas such as water conservation, soil protection, and carbon reduction [2] - The balance of green loans in Guyuan City reached 4.68 billion yuan by the end of 2024, reflecting a year-on-year growth of 17.7% [2] Group 2: Focus on Agricultural Sectors - The PBOC in Guyuan City is leveraging local green resources to support rural specialty industries such as cool-season vegetables, traditional Chinese medicine, and eco-tourism, guiding financial institutions to innovate tailored green financial products [3] - Cool-season vegetables are identified as one of the key agricultural advantages in Guyuan City, with financial institutions developing specialized credit products to support the entire industry chain from planting to sales [4] Group 3: Financial Product Innovations - The PBOC has encouraged financial institutions to create differentiated credit products like "Vegetable Greenhouse Loans" and "Planting E-Loans," providing low-cost, efficient funding to scale up vegetable production [4] - A loan of 2 million yuan was issued to support the establishment of 30 standardized vegetable greenhouses, demonstrating the targeted financial support for agricultural development [4] Group 4: Resource Optimization and Integration - The PBOC is focusing on the integrated utilization of financial resources in key areas such as specialty agriculture, ecological resources, and rural tourism, establishing green channels for financial cooperation [5] - By the end of 2024, the balance of loans for ecological environment industries in Guyuan City reached 110 million yuan, showing a year-on-year increase of 62% [5] - The PBOC is also promoting a sustainable tourism financial ecosystem by enhancing communication with government departments and tourism enterprises, directing funds towards eco-friendly tourism facility upgrades [5]