在乡村振兴战略向纵深推进的关键阶段，农商银行与供销社的合作不仅是资源互补的必然选择，更是破 解农村金融服务痛点、打通农业产业链堵点的重要抓手。 作为服务"三农"的重要力量，农商银行需始终坚持"以农为本"的初心，主动打破合作壁垒，在资源整合 中找准定位，在模式创新中提升效能，让金融服务与供销服务同频共振，为农业强、农村美、农民富持 续贡献金融力量，为乡村振兴战略的实施筑牢坚实根基。 笔者认为，作为扎根县域、服务"三农"的金融主力军，农商银行需主动作为，从产品、渠道、数据等多 维度探索合作路径，让双方走向深度合作，真正为农村经济发展注入金融活水。 （文章来源：证券日报） 数据共享与科技赋能，是推动双方合作提质增效的关键。在数字化时代，单一机构的信息壁垒往往制约 服务效率，农商银行需主动与供销社建立数据共享机制，整合双方的客户信息、交易流水、业务数据等 资源。通过大数据技术，农商银行可以更精准地掌握农户和涉农企业的经营状况。如依据供销社的农资 销售数据，预判农户的生产周期和资金需求，提前为农户规划信贷额度；依托农产品销售数据，为加工 企业提供融资支持，避免因资金短缺影响生产经营。在此基础上，农商银行还可联合供销社搭 ...

"园区里的企业基本都有自己的'碳账户'。"在青海省西宁市南川工业园区，丽豪半导体碳排放管理师李 晓静已从业超过3年，她每天的主要工作是分析企业各生产流程碳排放及企业落实碳减排情况。"此前只 能根据用电量粗略估计，现在有了绿电溯源系统，用了多少火电、多少清洁能源一清二楚，没有'糊涂 账'。" "碳账户"是人民银行青海省分行为企业量身定做的绿色账户。"'碳账户'包含碳排放和绿电使用两个维度 共计6项核心指标，我们对应建立了实施方案、业务指引、碳效评价等工作机制，引导金融机构将'碳账 户'数据纳入授信决策，为碳减排成效明显的企业在贷款利率、期限、额度方面提供优惠。"人民银行青 海省分行工作人员山成英说。 "截至今年二季度末，仅清洁能源产业中的装备制造、设施建设和运营、抽水蓄能电站建设3个板块，信 贷余额同比分别增长40.5%、22.1%和34.7%，'滴灌效应'进一步放大。"人民银行青海省分行行长翟向祎 介绍。 作为"中华水塔"，青海省生态旅游资源丰富。但由于地处偏远，很多资源"养在深闺人未识"。"青海是 国家的生态战略要地，在荒漠治理、水土保持、林草固碳等领域投入较多但回报慢。"山成英说。 2024年，人民银行青 ...

"截至今年二季度末，仅清洁能源产业中的装备制造、设施建设和运营、抽水蓄能电站建设3个板块，信 贷余额同比分别增长40.5%、22.1%和34.7%，'滴灌效应'进一步放大。"人民银行青海省分行行长翟向祎 介绍。 作为"中华水塔"，青海省生态旅游资源丰富。但由于地处偏远，很多资源"养在深闺人未识"。"青海是 国家的生态战略要地，在荒漠治理、水土保持、林草固碳等领域投入较多但回报慢。"山成英说。 "园区里的企业基本都有自己的'碳账户'。"在青海省西宁市南川工业园区，丽豪半导体碳排放管理师李 晓静已从业超过3年，她每天的主要工作是分析企业各生产流程碳排放及企业落实碳减排情况。"此前只 能根据用电量粗略估计，现在有了绿电溯源系统，用了多少火电、多少清洁能源一清二楚，没有'糊涂 账'。" "碳账户"是人民银行青海省分行为企业量身定做的绿色账户。"'碳账户'包含碳排放和绿电使用两个维度 共计6项核心指标，我们对应建立了实施方案、业务指引、碳效评价等工作机制，引导金融机构将'碳账 户'数据纳入授信决策，为碳减排成效明显的企业在贷款利率、期限、额度方面提供优惠。"人民银行青 海省分行工作人员山成英说。 "传统企业在技术改造过 ...

Group 1: Policy Support for Advanced Manufacturing - The government is increasing support for advanced manufacturing through credit enhancement and guidance, providing low-interest loans to SMEs in this sector to mitigate financing risks [1] - Policy banks are encouraged to increase investments in advanced manufacturing, broadening financing channels for enterprises [1] - Capital markets are being utilized to provide guidance for equity restructuring, aiding companies in achieving direct financing [1] Group 2: Current Financing Status and Challenges - Advanced manufacturing shows high growth potential but faces challenges, particularly for small and micro enterprises that struggle with financing and long recovery periods [2] - Investment risks are high due to potential technology failures and market demand fluctuations, leading to cautious behavior from financial institutions [2] - Different fields within advanced manufacturing receive varying levels of investment, with high-end materials and smart manufacturing attracting more attention compared to niche sectors with high technical barriers [2] Group 3: Key Development Areas and Opportunities - Smart manufacturing is a focal point, leveraging data and IoT technologies to enhance production efficiency and product quality, particularly in high-end markets [3] - Green manufacturing is gaining traction, with rapid developments in solar energy and new energy equipment, aligning with environmental policies and market demand [3] - The rail transit sector is innovating financing models, such as bond issuance, to support its development, showcasing stable market demand and high investment value [4] Group 4: Strategies and Recommendations to Address Challenges - The government should enhance policy support systems, ensuring precise policies that promote risk-sharing and benefit-sharing mechanisms for sustainable development in advanced manufacturing [5] - Financial institutions are encouraged to innovate financing models tailored to the characteristics of advanced manufacturing, such as industry chain finance and intellectual property pledge financing [6] - Companies need to increase investment in technology R&D to overcome core technical challenges and enhance overall competitiveness through industry collaboration [6] - Advanced manufacturing firms should optimize management and capital operations, improving equity structures and utilizing capital markets to enhance funding efficiency and resilience [7]