Group 1 - The core viewpoint of the articles highlights the significant growth of the Agricultural Credit Scale at the Bank of China’s Bayannur Branch, which has expanded from over 10 million yuan in 2018 to over 300 million yuan in loans, serving more than 2,000 households [1] - The Bank of China Bayannur Branch has introduced innovative financial products such as "Longmu Loan" to support local pig farming enterprises, providing over 42 million yuan in loans to help alleviate financial pressures in the industry [1] - The bank's efforts in rural revitalization include a diverse range of loan products tailored to local agricultural needs, contributing to the transformation and upgrading of Bayannur's unique industries [1] Group 2 - The promotion of the "Yunongtong" app by the Bank of China Bayannur Branch has significantly improved access to financial services for rural residents, allowing them to perform transactions such as paying utility bills conveniently from their homes [2] - The "Yunongtong" platform serves as a multifunctional online banking solution, effectively bridging the gap in rural financial services and enhancing the efficiency and warmth of financial technology for farmers [2]

"金融服务不能坐在办公室想，得蹲在田埂上看。"姚冬梅翻开笔记本，里面记满了密密麻麻的需求：西 岗子镇需要大型农机贷款，新生乡养殖户缺疫病保险对接，常胜村电商合作社愁物流周转资金…… 清晨六点，张富清金融服务队"90后"队员陈宇和高烽驾驶越野车碾过结着薄冰的乡间小路，后车厢里装 着便携式打印机和金融知识手册。他们比父辈更懂数字化工具，却坚持用最"笨"的办法——挨村挨户服 务。在瑷珲镇合作社内，陈宇发现种植户王树忠对着手机银行犯难，立刻打开手机相册里的操作流程 图："大叔，您看点这里选'裕农快贷'，人脸一扫就能申请。" 这样的场景几乎每天都在上演。针对顺达合作社等新型农业主体的资金渴求，服务队创新"党建+网 格"模式，将瑷珲镇23个自然村划成责任区，每周蹲点三天，白天跟着农户下地头看墒情，晚上围着火 炉算资金账。数据显示，自启动春耕服务以来，他们累计为4000余农户授信1.2亿元，其中35%通过"移 动柜台"完成签约。 村口小店的"金融驿站"：把服务嵌进生活圈 在距离黑河市区130公里的逊克县干岔子乡，村头的"裕农通"普惠金融服务点成了春耕季最热闹的地 方。店主李春梅熟练地帮农户代缴话费、查询贷款进度，这得益于建 ...