Core Viewpoint - The Agricultural Bank of China Fujian Branch is transforming its "Huinong Tong" service points into "Huinong Service Flagship Stores" to enhance comprehensive financial services for rural customers, addressing the limitations of basic financial functions and improving loan accessibility and customer satisfaction [1][2]. Group 1: Development of "Huinong Service Flagship Stores" - The Fujian Branch has established over 2,000 "Huinong Tong" service points and is upgrading some to "Huinong Service Flagship Stores" to provide a wider range of financial services beyond basic functions [1]. - The flagship stores will utilize smart tools like intelligent POS machines and mobile services to offer comprehensive financial services, including loan applications, account openings, and pension business appointments [1]. Group 2: Expansion of Agricultural Loans - The branch has supported 380,000 farmers through the Huinong e-loan initiative, creating information profiles for 690,000 farmers across 14,000 administrative villages [1]. - The establishment of flagship stores will provide a stable base for marketing personnel to enhance agricultural loan outreach and improve service efficiency in key towns and industries [1]. Group 3: Online and Offline Integration - The flagship stores will implement digital financial tools to facilitate interaction between online and offline customers, promoting mobile banking usage and online transaction habits [2]. - Activities such as online discounts and loyalty programs will be introduced to encourage online customers to visit physical locations for transactions [2]. Group 4: Financial Policy Education - The flagship stores will feature platforms for promoting financial policies and products through videos and educational materials, enhancing community awareness of financial services [3]. - Collaborative efforts with local governments will be made to conduct financial education sessions and consumer rights protection campaigns [3].

当前，随着乡村振兴战略全面深入推进，农村市场金融需求日趋旺盛，但农村金融供需不平衡问题仍较 为突出，部分偏远乡村还存在金融服务空白，农村金融供给存在结构性缺口。 农行福建省分行通过构建新型农村普惠金融体系，探索农村金融服务新模式，不断优化金融供给，畅通 服务乡村振兴"毛细血管"，有效弥补农村金融资源缺口、激发乡村经济活力、缩小城乡发展差距。 "新时代农村金融服务创新，应当以实现好、维护好农民根本利益为基本遵循，多谋民生之利、多解民 生之忧，引领农民农村朝着共同富裕的方向稳步迈进。"农行福建省分行相关负责人表示，"我行始终坚 守金融为民初心，扎根乡村、心系'三农'，积极探索服务乡村振兴有效模式，在提升县域网点金融服务 质效的基础上，推动'惠农通'转型升级，创新打造'惠农服务旗舰店'，有效提升县域到乡到村服务能 力。" "靠山吃山唱山歌，靠海吃海念海经"。福建资源禀赋独特，但山海阻隔也曾是金融服务的"末梢"。为了 让农户能够及时享受到便捷的金融服务，农行福建省分行积极践行"金融为民"，探索农村金融服务新模 式，织密新型普惠金融服务网络，让金融服务"上山下海"走进田间地头、送达海上，金融活水润田 畴、"海上银行"到 ...