2025年,是"十四五"规划的收官之年,也是"十五五"规划的谋篇布局之年。 "十四五"以来,面对田间地头、鸭舍间的县域产业发展难题,省农信联社给出金融解题方案；面对厂房、 生产线、技术研发的经营主体需求,省农信联社弹奏出助力科创企业跑出"加速度"的金融和弦。 播撒金融甘霖,助力乡村产业发展 省农信联社始终把助力乡村振兴,服务"三农"作为核心使命,以实际行动服务实体经济,打造乡村振兴齐鲁 样板。 阳谷地处黄河沿岸,具有鲜明的黄河流域特色农业布局。往年,阳谷县寿张镇合盛果蔬专业合作社在300亩 苹果园丰收时,总会因缺乏仓储设施选择集中出售苹果,影响了价格。今年,阳谷农商银行四棚支行了解到 合作社修建保鲜库资金需求,主动上门对接,三天内发放40万元贷款。有了冷库,苹果能错峰销售,合作社更 加从容了。 成武县汶上集镇秦田庄村的蝶变是农商银行发展绿色金融、支持沿黄发展的生动缩影。这个人口822 人、耕地2405亩的村庄,曾面临空心化、空巢化、老龄化困境。在成武农商银行的信贷支持下,村"两 委"把闲置宅院改造成花园、果园、菜园、游园,使村庄成为乡村振兴示范村。 近年来,全省农商银行学习运用"千万工程"经验,全面助力打造乡 ...

创新经营机制，实现集体群众双增收。针对平原特点，阳谷县向土地要效益，创新推广"村党组织领办合作社自营流转土地"模式，全县418个村党组织领 办合作社自营流转土地10.03万亩，带动集体增收4200万元。全县行政村集体收入结构持续优化，2024年集体收入超50万元的村占比达32%，切实实现 了"集体有积累、群众得实惠"。下一步，将推动合作社与龙头企业对接联建，探索多元经营路径，增强乡村产业内生动力。 齐鲁晚报.齐鲁壹点张同建 强化要素保障，夯实产业发展后劲。着力破解资金、服务、人才等关键瓶颈，金融赋能方面，大力推广"鲁担惠农贷""强村贷"等政策性金融产品，累计为 合作社解决土地流转资金4000余万元。社会化服务方面，各镇街成立农业社会化服务中心，整合农机、技术等资源，为农户提供全链条服务，助农户每亩 降低约12%种植成本。科技与人才支撑方面，深化与省农科院、中国农业大学等高校院所合作，推广优质品种和技术，培育高素质农民，以科技赋能产业 升级。 12月22日，阳谷县政府新闻办召开"走在前、挑大梁"开创阳谷高质量发展新局面主题新闻发布会。会上，阳谷县农业农村局党组成员、副局长李斌介绍， 近年来，阳谷县始终将乡村富民 ...

8年来，山东省农业发展信贷担保有限责任公司（以下简称"山东农业信贷担保公司"）实现从"规模 提速"到"质量提质"的华丽转身，在齐鲁大地上书写政策性财金支农的生动实践。 回望"十四五"征程，山东农业信贷担保公司始终坚守政策性定位，持续聚焦支农惠农主责主业，发 挥财政资金"四两拨千斤"作用，为新型农业经营主体提供精准高效的信贷担保服务，破解农业融资难、 融资贵问题，逐步形成了以服务体系、产品体系、获客渠道、风控策略、数字化转型五大要素为支撑的 发展模式，最大化发挥农担政策价值，撬动金融支持乡村全面振兴取得积极成效。 截至2025年11月末，山东农业信贷担保公司累计为全省"三农"领域提供担保贷款2219亿元，扶持了 全省33万户次农业经营主体，是全国唯一累保破2000亿元的省级农担公司，多项主要经营指标稳居全国 前列。 数说 农产品单价高、储量大，资金占压成了卡住产业链喉咙的"隐形之手"，而传统银行贷款对固定资产 抵押的要求，更让缺乏合格抵押物的农业经营主体陷入融资难、融资贵的困境。 瞄准这一痛点，山东农业信贷担保公司济宁分公司立足地方特色产业，联合邮储银行等金融机构精 准破局，创新推出电子仓单质押模式，将库存大蒜 ...

Core Insights - The article emphasizes the importance of the "Strong Village Loan" initiative in promoting rural revitalization and enhancing village collective economies in Guancheng County, with a total of 2 billion yuan in guaranteed loans provided to over 240 village organizations [1][3][5] Financial Mechanism - Guancheng County has actively engaged with the provincial agricultural guarantee company to implement the "Strong Village Loan" as a key strategy for improving village collective economies, establishing a three-tiered promotion mechanism [3][5] - Since 2022, over 500 policy promotion meetings have been held across 18 towns, reaching more than 135,000 participants to ensure awareness and access to the "Strong Village Loan" [3][5] Policy Support - In 2023, Guancheng County introduced various financial support policies to reduce financing costs for agricultural entities, including customized services that lower entry barriers and extend repayment periods [5][6] - Local financial institutions are offering preferential interest rates for the "Strong Village Loan," significantly reducing the financial burden on village cooperatives [5][6] Economic Transformation - The "Strong Village Loan" has enabled village cooperatives to diversify their operations from traditional grain farming to more profitable ventures such as fruit and vegetable cultivation and livestock farming [7][9] - Specific examples include a cooperative in Tianmayuan Village that upgraded its cherry greenhouse, increasing annual production from 50,000 to 80,000 pounds and generating over 500,000 yuan in collective income [9][11] Community Impact - The initiative has led to improved livelihoods for villagers through rental income, employment opportunities, and enhanced public services, significantly increasing their overall happiness and satisfaction [11][13] - Over 4,000 villagers have found local employment through cooperatives supported by the "Strong Village Loan," with an average annual income increase of 28,000 yuan per person [13][11] Risk Management - Guancheng County has established a robust risk management framework for the "Strong Village Loan," ensuring clear fund allocation and usage, resulting in no bad loans reported to date [15] - The county aims to deepen collaboration with the agricultural guarantee company to further integrate financial support with rural industry development [15]

Core Insights - The article emphasizes the importance of the "Strong Village Loan" initiative in promoting rural revitalization and enhancing village collective economies in Guancheng County [1][3][10] Financial Mechanisms - Guancheng County has actively engaged with the provincial agricultural guarantee company to implement the "Strong Village Loan," which has provided over 200 million yuan in guaranteed loans to more than 240 village party organizations [1][3] - A special task force was established to streamline the loan process, addressing challenges such as high costs and difficult access to loans for village cooperatives [3][5] Policy Implementation - In 2023, Guancheng County introduced various subsidy policies to reduce financing costs for agricultural entities, thereby increasing collective income and improving the livelihoods of residents [5][11] - Customized services were launched to lower entry barriers, simplify approval processes, and extend repayment periods for loans, specifically tailored to local agricultural characteristics [5][9] Economic Transformation - The "Strong Village Loan" has enabled village cooperatives to diversify their operations from traditional grain farming to more profitable ventures such as fruit and vegetable cultivation and livestock farming [7][9] - Specific examples include a cooperative in Tianmayuan Village that upgraded its cherry greenhouse, resulting in increased production and sales through e-commerce platforms [9] Community Impact - The initiative has significantly improved the income of local villagers, with many benefiting from land rental income and employment opportunities created by cooperatives [11][13] - Infrastructure improvements funded by collective income have enhanced the quality of life in villages, fostering a sense of community and cohesion among residents [11][13] Risk Management - Guancheng County has implemented a robust risk management framework for the "Strong Village Loan," ensuring clear tracking of loan funds and maintaining a record of zero non-performing loans [15]

Group 1 - The People's Bank of China in Meishan has implemented financial support actions for rural revitalization, focusing on activating rural asset resources and transforming "sleeping assets" into "development capital" for rural areas [1][2] - As of the end of June, the agricultural loan balance in Meishan reached 127.271 billion yuan, effectively meeting the reasonable credit demand of agricultural entities [1] - The bank has introduced live animal collateral, allowing livestock such as pigs and dairy cows to be used as collateral, utilizing IoT and blockchain technology for real-time monitoring and identity verification [1] Group 2 - The bank has guided financial institutions to include agricultural production facilities like grain drying and irrigation systems in the credit enhancement scope, successfully issuing the province's first loan backed by livestock farming facilities [2] - A total of 1.5 billion yuan in loans has been issued to 206 agricultural entities for agricultural production facility credit enhancement [2] - The bank has promoted a "housing credit enhancement" model, incorporating rural housing into credit assessments, resulting in 35.89 million yuan in loans to 142 market entities [2] Group 3 - The bank is actively supporting rural collective economic development by facilitating loans backed by collective income distribution rights, with over 90 million yuan in loans issued [2] - Innovative financial products for forestry have been developed, including loans backed by forest carbon credit rights, with over 1.5 billion yuan in loans issued for forest rights [3] - The bank plans to continue enhancing financial services for rural reform and revitalization by deepening the exploration of rural resource asset values and optimizing product offerings [3]

Core Viewpoint - The company is enhancing financial services for rural households in Zhejiang, focusing on improving loan accessibility and convenience to support rural revitalization efforts [1][2][3][4] Group 1: Financial Products and Services - The company has introduced various financial products such as "农担通" loans, which have provided 2.51 billion yuan to 177 farmers, addressing financing difficulties [2] - New loan products like "美丽乡村贷" and "强村贷" have been launched to support rural infrastructure projects, with nearly 600 million yuan disbursed to local cooperatives [2] - The company has established 60 new standard financial service stations and 196 convenience service points, facilitating over 204,300 transactions worth more than 960 million yuan for rural residents [3] Group 2: Financial Guidance and Community Engagement - A mechanism for deploying 155 rural financial service specialists has been implemented to enhance service levels and expand outreach [4] - The company promotes a "household asset-liability statement" financing model, with a coverage rate of 58%, aiming for over 70% by year-end [4] - Over 120 financial knowledge promotion events have been conducted, benefiting more than 2,400 farmers, to raise awareness about financial management and fraud prevention [4]

Core Viewpoint - The transformation of Yishao Village from an economically weak area with environmental issues to a thriving tourist destination is largely attributed to the financial support from Wuxing Rural Commercial Bank, which has facilitated significant improvements in infrastructure and local economy [1][2][3] Group 1: Financial Support and Economic Development - Wuxing Rural Commercial Bank provided loans totaling 10 million yuan for the renovation and enhancement of Yishao Village, focusing on environmental cleanup, waste management, transportation, energy, and cultural facilities [1] - The village's operating income reached 3.08 million yuan in 2024, with per capita disposable income increasing to 45,000 yuan, reflecting several times growth compared to previous levels [1] Group 2: Environmental and Cultural Transformation - Yishao Village has been recognized with multiple honors, including "National 3A Scenic Village" and "National 4A Scenic Area," attracting more tourists and revitalizing local culture and economy [3] - The village has developed a new model of integrated development, combining agriculture and tourism, enhancing the utilization of nearly 2,000 acres of arable land [1][3] Group 3: Community Services and Future Plans - Wuxing Rural Commercial Bank established a "Harvest Station" in Yishao Village to provide convenient financial services, including money transfers and bill payments, aiming to enhance community welfare [3] - Future plans include expanding services at the Harvest Station to include parcel delivery and convenience stores, further supporting rural revitalization efforts [3]

Core Viewpoint - The Agricultural Bank of China’s Zibo Branch is actively integrating financial services with the development needs of the Yiyuan revolutionary area, focusing on major projects, infrastructure, small and micro enterprises, and characteristic industries to stimulate local economic growth and support rural revitalization [1]. Group 1: Major Projects - The Yiyuan Economic Development Zone is identified as a core engine for regional economic transformation, with the bank providing over 400 million yuan in loans to key industrial projects [2]. - A specialized service team was formed for the Huaren Wind Power project, completing a loan approval of 387.8 million yuan in just 45 days, with over 32 million yuan already disbursed [2]. - The project is expected to generate 180 million kWh annually, benefiting local farmers with an average annual income increase of over 20,000 yuan per household [2]. Group 2: Infrastructure Development - The bank is addressing infrastructure weaknesses by providing 276 million yuan in loans for water supply improvements, benefiting 230,000 rural residents and increasing drinking water quality from 75% to 100% [4]. - A loan of 87 million yuan was issued for upgrading heating networks, improving heating performance from 82% to 98% for 28,000 households [5]. Group 3: Support for Small and Micro Enterprises - The bank has launched innovative financial products to support technology-based small and micro enterprises, providing 85 million yuan in credit to 23 companies [6]. - A dual approach of offline visits and online products has been implemented, resulting in a 40% increase in first-time loan approvals [6]. Group 4: Agricultural Development - The bank is enhancing the "Yiyuan Red" apple brand by providing 300 million yuan in credit for cooperative expansion and supporting over 500 farmers to increase apple yields by 15% [7]. - A total of 23.36 million yuan in loans has been issued to lead enterprises, fostering a model of "enterprise-led, cooperative-organized, farmer-participated" development [8]. Group 5: Community Engagement and Party Building - The bank has integrated party building with financial services, addressing 136 financing challenges faced by cooperatives and farmers [9]. - During the pandemic, a "green channel" was established to ensure uninterrupted supply of agricultural materials, with 8 million yuan in loans disbursed to 12 cooperatives within three days [9].

Core Viewpoint - Yiyuan Rural Commercial Bank is focusing on the needs of county economic development, leveraging financial innovation and precise services to enhance credit investment and optimize financial service models, playing a crucial role in stabilizing employment, promoting consumption, and supporting the recovery of the real economy [1] Group 1: Support for Small and Micro Enterprises - Yiyuan Rural Commercial Bank is committed to serving private enterprises and the real economy, enhancing financial service quality through strategies aimed at agriculture, individual businesses, and small enterprises [3] - As of the end of April, the bank's entrepreneurial guarantee loan balance reached 203 million yuan, benefiting 1,043 households [3] - A case study highlights a local entrepreneur who received a 100,000 yuan loan, enabling his glass craft business to grow, achieving annual sales exceeding 1 million yuan and creating 10 temporary jobs [3] Group 2: Empowering Rural Revitalization - The bank has established a specialized financial advisory team, implementing a "one-on-one" door-to-door service model, reducing financing costs through policy loans, and enhancing service convenience [4] - As of the end of April, the "Strong Village Loan" balance was 22.36 million yuan, and loans for the accommodation and catering sector reached 2.12 billion yuan, with an increase of 16.42 million yuan since the beginning of the year [4] - The bank supported a rural tourism cooperative with a 500,000 yuan "Strong Village Loan," facilitating the development of a modern agriculture and tourism model, which has diversified the cooperative's product offerings and strengthened the local economy [4] Group 3: Transformation of Local Communities - Jibao Yu Village has transformed into a scenic village in Shandong Province, recognized as a provincial-level rural revitalization boutique area and a base for food education research and practice [5] - The village has also been established as a research base for primary and secondary school field studies in Zibo City [5]