转自：新华财经 锡林郭勒盟威远畜产品有限责任公司作为农业产业化国家重点龙头企业，以"龙头企业+合作社+牧 户"模式带动牧民增收，但缺乏传统抵押物导致融资困境。农行锡林郭勒分行创新推出冷冻肉抵押贷 款，投放1000万元信贷资金。"这笔'及时雨'让我们得以扩大生产、升级技术。"公司负责人表示，金融 支持让企业进一步延伸了产业链条。 创新服务模式畅通惠民通道 "让农牧民足不出村享便捷金融服务"是农行内蒙古分行的坚守。该行构建"网点+掌上银行+惠农服务站 +金融村主任+流动党员先锋队"五位一体服务体系，持续提升服务覆盖面与可得性。 针对地域辽阔、交通不便的实际，该行在偏远地区布局惠农服务站，组建流动团队，将贷款发放、金融 知识普及送到田间地头；选聘"村两委"成员、致富带头人担任"金融村主任"，发挥桥梁纽带作用；升级 掌上银行"乡村版"，推出蒙语版及适老化功能，让农牧民"会用、好用"。 产品创新上，该行推出"粮农e贷""乡旅贷"等专项产品，推广"农担e贷"，探索农村土地承包经营权等特 色抵押方式；加大对脱贫旗县、边境旗县及特殊群体的支持，通过"富民贷""固边贷"传递金融温度，推 动服务从单一贷款向综合金融服务转变。 作 ...

截至目前，银川已向3962户从事种植养殖、自主创业的农户发放"富民贷"3.6亿元，累计发放额达 8.85亿元，惠及8275户农户。 与此同时，银川超额完成近1500栋老旧日光温室改造，推动设施农业向高效化、数字化转型；42家 就业帮扶车间吸纳近3000人就业，年人均收入超过4万元；高素质农民"头雁"行动培育新型职业农民， 直播带货等新技能拓宽了农产品销路。一系列"稳心"实事多维度拓宽增收渠道，让群众的日子越过越红 火，乡村振兴的根基愈发坚实。 "十四五"期间，银川市持续推进民生"十心"实事，聚焦就业创业、产业发展等核心领域，通过设施 农业提质、就业车间稳岗、金融赋能增收、人才培育助力等务实举措，将"承诺账单"变为群众"幸福清 单"，让大家的"钱袋子"越来越鼓。 其中，"富民贷"是撬动农户增收的关键抓手。这款产品凭借额度高(每户最高20万元)、门槛低、期 限长、利率优的突出优势，精准破解了农户"贷款难、贷款贵、担保缺"的发展堵点。永宁县李俊镇的香 芹种植户马万林，靠着"富民贷"将零散种植拓展至千亩规模，实现标准化、集约化经营；闽宁镇养殖户 妥万德则通过贷款扩大养殖规模，肉牛存栏量从40头增至260头，产业发展步 ...

Core Viewpoint - Agricultural Bank of China has become the world's largest commercial bank by market capitalization, reaching approximately 2.74 trillion RMB (about 386.9 billion USD) as of October 30, 2025, reflecting its strategic positioning in serving rural revitalization and the real economy [2]. Financial Performance - For the first three quarters of 2025, Agricultural Bank reported operating income of 550.8 billion RMB and net profit of 222.3 billion RMB, representing year-on-year growth of 1.97% and 3.28% respectively [2]. - The total asset scale of the bank exceeded 48 trillion RMB by the end of the reporting period [2]. County-Level Business Growth - As of September 2025, the bank's county-level loan balance reached 10.90 trillion RMB, growing by 10.57% since the beginning of the year, maintaining over 40% of the bank's total loan proportion [3][18]. - The bank's non-performing loan ratio improved to 1.27%, a decrease of 3 basis points from the beginning of the year [3]. Rural Financing Initiatives - The "Fumin Loan" program has disbursed 273.29 billion RMB, benefiting 321,600 rural households across 14 cities in Gansu province [5]. - The "Huinong e-loan" program has provided 930.92 billion RMB in loans, serving 1,168,700 rural households [5]. Innovative Financial Products - The "Electricity Bill e-loan" product allows small enterprises to secure loans based on their electricity usage data, addressing financing challenges for new businesses [11]. - The "Live Asset Mortgage Loan" has evolved into the "Smart Livestock Loan," utilizing AI technology for monitoring livestock, enhancing efficiency in the lending process [13]. Strategic Partnerships and Projects - Agricultural Bank has established a strategic partnership with China Green Development Group, facilitating financing for multiple renewable energy projects, with a total approval amount of 25.84 billion RMB since 2021 [18]. - The bank's rapid loan approval process has been highlighted in projects like the 300 MW compressed air energy storage project, where it completed a 9 billion RMB loan approval swiftly [14][16]. Conclusion - Agricultural Bank's focus on county-level business and innovative financial products positions it as a leader in rural finance, contributing to its competitive advantage and potential for revenue growth in the future [18].

Core Viewpoint - Agricultural Bank of China has become the world's largest commercial bank by market capitalization, reaching approximately 2.74 trillion RMB (about 386.9 billion USD) as of October 30, 2025, reflecting its strategic positioning in serving rural revitalization and the real economy [1]. Financial Performance - For the first three quarters of 2025, Agricultural Bank reported operating income of 550.8 billion RMB and net profit of 222.3 billion RMB, representing year-on-year growth of 1.97% and 3.28% respectively [1]. - The total asset scale of the bank exceeded 48 trillion RMB by the end of the reporting period [1]. County-Level Business Growth - As of September 2025, the bank's county-level loan balance reached 10.9 trillion RMB, a growth of 10.57% from the beginning of the year, maintaining over 40% of the bank's total loan portfolio [2][21]. - The bank's non-performing loan ratio improved to 1.27%, a decrease of 3 basis points from the start of the year [2]. Rural Financing Initiatives - The "Fumin Loan" program has disbursed 273.29 billion RMB, benefiting 321,600 farmers across 14 cities in Gansu province [4]. - The "Huinong e-loan" program has provided 930.92 billion RMB in loans, serving 1,168,700 farmers [4]. Innovative Financial Products - The bank has introduced innovative products like "Electricity Bill e-loan," which uses actual electricity usage data as a basis for credit assessment, facilitating financing for small and micro enterprises [11]. - The "Live Asset Mortgage Loan" has evolved into the "Smart Animal Husbandry Loan," utilizing AI technology for livestock identification, enhancing efficiency in loan management [16]. Strategic Partnerships and Projects - Agricultural Bank has established a strategic partnership with China Green Development Group, supporting multiple renewable energy projects with a total approval amount of 25.84 billion RMB since 2021 [21]. - The bank's rapid loan approval process has been highlighted in projects like the 300MW compressed air energy storage project, where it completed a 9 billion RMB loan approval swiftly [17][20].

Core Viewpoint - The People's Bank of China (PBOC) is implementing a new management approach for relending, closely integrating it with the financial "five major articles" to stimulate local economic development through targeted financial support for specific industries [1] Group 1: Relending and Financial Support - The PBOC is leveraging monetary policy tools to create a virtuous cycle of "central bank relending - bank precision lending - entity development - farmer income increase" [1] - The PBOC has introduced differentiated financial products such as "Red Fire Loan," "Goji Trust Loan," and "Goods Easy Loan" to support the goji berry industry, facilitating financing for over 950 market entities with a relending balance of 430 million yuan by the end of Q3 [2] - The PBOC is guiding financial institutions to utilize low-cost funds to support the beef cattle industry, resulting in a relending balance of 460 million yuan by the end of Q3, benefiting 3,756 market entities [3] Group 2: Industry-Specific Initiatives - The PBOC is focusing on the goji berry supply chain, collaborating with five units to promote financial support and innovative products tailored to the needs of goji berry enterprises [2] - The PBOC is supporting the beef cattle industry in Haiyuan County, aiming to create a national-level beef cattle industry demonstration county, with loans provided to cooperatives to expand their operations significantly [3] - The PBOC is promoting the cultivation of the Xian Shaguo watermelon by developing financial products like "Xian Shaguo E-loan" and "Agricultural Material Loan," with a relending balance of 410 million yuan supporting 3,068 market entities by the end of Q3 [4]

在卓尼县的温室大棚里，一排排菌棒整齐列阵，一朵朵肥厚黝黑的木耳竞相"绽放"，焕发着勃勃生 机。 近年来，中国人民银行甘南州分行紧紧围绕乡村振兴战略，依托金融支持"一县一业一品"专项行 动，立足卓尼县木耳产业链发展优势，打造食用菌产业全链条金融服务特色品牌，大力推广"助业快e 贷""种植e贷""富民贷"等惠农金融产品，助力木耳产业规模化、集约化、智能化发展。截至2025年10月 末，卓尼县累计向木耳产业链投放贷款5640万元，同比增长12.32%。在金融的大力支持下，卓尼县木 耳种植规模达到1万亩，年产量2800吨，产值达2.08亿元。 精准施策 金融雨露润田间 卓尼县位于青藏高原东北边缘，高寒阴湿的气候为优质木耳生长提供了条件。中国人民银行甘南州 分行围绕当地"牛羊猪鸡菜果菌药+青稞"的特色产业规划，指导卓尼县金融机构积极对接木耳种植大 户，加大信贷资源倾斜力度，支持农户扩大种植规模、升级设施，将木耳产业打造成为当地农业经济新 的增长点。 工行卓尼县支行在深入调研后，率先推出"种植e贷"产品，以高效便捷的信贷服务精准满足农户需 求。喀尔钦磊族村种植户全扎什在30万元"种植e贷"的支持下，建起了30座标准化温室 ...

Core Viewpoint - The Agricultural Bank of China is actively supporting the consolidation of poverty alleviation achievements and the effective connection with rural revitalization, with a focus on financial assistance and innovative service models to enhance rural development and prevent large-scale poverty recurrence [2][3][4]. Group 1: Financial Support and Loan Balances - As of September 2025, the Agricultural Bank has a loan balance of 2.52 trillion yuan in 832 poverty-stricken counties, with 481.2 billion yuan in 160 key rural revitalization counties, maintaining a growth rate higher than the bank's average loan growth [2]. - The bank has provided a cumulative loan balance of 6.033 trillion yuan for targeted poverty alleviation, supporting nearly 920,000 impoverished individuals in production development and creating job opportunities for about 3.8 million people [4]. Group 2: Innovative Service Models - The bank has implemented the "Financial Village Director" model, appointing 45,000 directors to connect with local communities, provide financial education, and facilitate loan access through the "e-push customer" app, benefiting 6.16 million rural households with over 450 billion yuan in loans [3][4]. - In Inner Mongolia, the "Financial Village Director" model has been adopted in 82 administrative villages and 33 communities, resulting in 4,400 loan recommendations totaling 1.1 billion yuan [4]. Group 3: Targeted Loan Products - The "Rich People Loan" product has been instrumental in providing financial support to farmers, with a balance of 129.2 billion yuan, helping 1.41 million households improve their livelihoods [4][5]. - Since the launch of the "Rich People Loan," the Qinghai branch has issued over 12.9 billion yuan in loans, benefiting approximately 66,000 farmers and herders [5]. Group 4: Infrastructure and Public Services - The bank has increased financial support for infrastructure projects in key rural revitalization counties, with a loan balance exceeding 290 billion yuan, representing a growth of over 170% since 2021 [7]. - In Guizhou, the bank has provided 436 million yuan in credit support for public service facilities in 20 resettlement sites, benefiting 154,000 relocated individuals [7]. Group 5: Comprehensive Assistance and Collaboration - The Agricultural Bank has engaged in multi-faceted cooperation to enhance comprehensive assistance, providing financial services for 324 East-West cooperation projects with a total loan issuance of 12 billion yuan since 2021 [9]. - The bank's "Agricultural Bank Mall" model has facilitated over 10 billion yuan in consumption assistance for poverty-stricken areas, recognized as a national model for rural revitalization [9].

Core Insights - The Hexi Corridor, historically significant as part of the Silk Road, is experiencing revitalization through unique agricultural and renewable energy developments driven by financial support [2][3]. Financial Support and Agricultural Development - Agricultural Bank's timely financial assistance has enabled local farmers to overcome funding challenges, facilitating the growth of organic vegetable farming in Gansu [3][4]. - The introduction of flexible loan products like "Fumin Loan" has encouraged farmers to expand operations, leading to significant increases in income and employment opportunities [4][8]. - Ma Zhaocun's organic vegetable base has grown to 3,600 acres, generating sales of 42 million yuan in 2024, with an average income of 35,000 yuan per acre, five times higher than conventional vegetable farming [4][8]. Specialty Crop Production - The region has become known for its high-quality grapes, with over 10,000 acres dedicated to grape cultivation, yielding more than 20,000 tons annually and generating over 50 million yuan in revenue [7][8]. - Financial support from Agricultural Bank has enabled local farmers to upgrade their production methods, enhancing both quality and profitability [7][8]. Seed Production Industry - Zhangye is recognized as the largest corn seed production base in China, with over 1 million acres dedicated to seed production, accounting for nearly half of the national seed supply [8][12]. - The Agricultural Bank's "Hexi Corridor Seed Loan" has provided crucial funding to ensure timely operations during critical production periods [8][12]. Dairy Farming Innovations - Dairy farming in Gulang County has faced challenges due to funding and asset limitations, prompting the introduction of the "Smart Livestock Loan" to leverage livestock as collateral [12][13]. - The bank's innovative approach includes real-time monitoring of livestock through IoT technology, enhancing asset management and reducing credit risk [14][13]. Renewable Energy Development - The region is transforming its ecological disadvantages into advantages for renewable energy, with significant solar and wind energy projects underway [16][17]. - Agricultural Bank has committed substantial financing to support these projects, including a 15 billion yuan credit line for a solar power project [18][17]. - The introduction of energy storage solutions is addressing the challenges of renewable energy intermittency, with significant investments in compressed air storage technology [18][19]. Credit Innovations - The "Electricity e-Loan" product allows businesses to leverage their electricity payment history as a basis for credit, promoting sustainable agricultural practices [19][18]. - This innovative financing model supports the development of modern irrigation technologies, enhancing water efficiency in agriculture [19][18].

Core Insights - Agricultural Bank of China Ningxia Branch is actively supporting rural development and poverty alleviation through targeted financial services during the 14th Five-Year Plan period, with a focus on enhancing the agricultural sector and assisting ecological migrants [1][4]. Group 1: Agricultural Financing - The agricultural loan balance of Agricultural Bank of China Ningxia Branch increased from 24.75 billion yuan at the end of 2020 to 30.66 billion yuan by the end of August 2025, facilitating the connection between poverty alleviation and rural revitalization in Ningxia [1]. - The bank has focused on six key agricultural industries, including wine, goji berries, milk, beef cattle, Tan sheep, and cool-season vegetables, with a total loan balance of 12.2 billion yuan for these industries, resulting in a compound income growth of 5.8% for farmers over the past three years [2]. - The bank has provided 1.6 billion yuan in loans specifically for the goji berry industry, employing a "company + cooperative + farmer" guarantee model to support market merchants and enhance the supply chain [3]. Group 2: Support for Ecological Migrants - The bank has introduced the "Immigrant Prosperity Loan" to address the financial challenges faced by relocated populations, with a total of 3.19 billion yuan in loans disbursed to support the establishment of a demonstration area for poverty alleviation among relocated migrants in Hongshibao District [4]. - The success stories of relocated individuals, such as Wang Hangdi, highlight the impact of financial support from the bank in establishing profitable agricultural ventures, which in turn benefit the local community [4]. Group 3: Collaboration with Fujian Province - The bank is enhancing financial services in collaboration with Fujian Province, marking the 30th anniversary of the Fujian-Ningxia cooperation in 2026, focusing on mutual benefits and complementary advantages [6]. - A strategic cooperation agreement has been signed with the government of Minning Town to provide comprehensive financial services to over 600 Fujian entrepreneurs operating in Ningxia [6][7]. - The bank's financial support has been crucial for local businesses, such as the Helan Shen Wine Group, which received a 25 million yuan loan to overcome initial funding challenges, subsequently creating approximately 1,500 jobs for local ecological migrants [7].

Core Viewpoint - The event highlighted the significant role of Agricultural Bank of China (ABC) in supporting rural development and poverty alleviation through financial assistance and innovative projects aimed at enhancing agricultural productivity and income for farmers [1][2][3]. Group 1: Financial Support and Impact - ABC provided a 50,000 yuan micro-loan to a local woman, enabling her to open a restaurant and improve her family's financial situation, showcasing the bank's direct impact on individual livelihoods [1][2]. - The bank's assistance has led to the establishment of a tea processing factory in Pingma Community, which has significantly increased the value of tea products, resulting in a collective income exceeding 40 million yuan and an average income increase of over 5,000 yuan per person [2]. Group 2: Community and Economic Development - ABC has been instrumental in connecting local agricultural products to broader markets through initiatives like the "ABC Cup" e-commerce competition, which promotes local products such as citrus and tea to national and international markets [3]. - The bank has invested 900 million yuan in credit to support infrastructure and logistics projects, facilitating the development of the Western Land-Sea New Corridor and enhancing the region's trade capabilities [4]. Group 3: Long-term Commitment and Strategy - Over the past decade, ABC has deployed 18 support staff in Xiushan, focusing on addressing community needs and fostering industrial development through tailored financial solutions [4]. - The bank's comprehensive financial service packages have enabled local manufacturers to access international markets, contributing to the growth of the local economy and improving the quality of life for residents [4].