Core Insights - The People's Bank of China in Liangshan Prefecture is focusing on rural revitalization and food security by leveraging financial technology to support agricultural financing during the spring plowing season [1][2][3] Group 1: Financial Support Initiatives - As of the end of March, Liangshan's agricultural loan balance reached 1340.44 billion yuan, an increase of 102.37 billion yuan since the beginning of the year [1] - Agricultural Bank of Liangshan has utilized a big data-based platform to streamline loan approval processes, significantly reducing the time required for farmers to access funds [2] - The "Huinong E-loan" balance surpassed 106.84 billion yuan, with a net increase of 16.94 billion yuan since the start of the year, and a total of 14.94 million loans issued [2][4] Group 2: Technological Innovations - A cloud computing-based grid management platform has been established to assist large-scale agricultural producers in securing loans by accurately assessing their financial needs and production capabilities [3] - The platform employs geographic fencing technology to monitor agricultural activities in real-time, facilitating precise credit assessments and efficient loan disbursement [3] - The bank has visited 35,600 farmers and 35,000 individual businesses, collecting 3,934 customer needs, and has disbursed 5.22 billion yuan in loans for spring farming [4]

优化金融服务体系 加大信贷投放。截至2024年末，全行"惠农E贷"等专案产品60余个，涉农贷款余额约1，950亿元，同比增长逾14%；普惠 型涉农贷款余额增速逾17%，高于其他各项贷款增速，为乡村经济可持续发展提供强有力的金融支持。创新产品矩阵。围 绕"村、圈、链"真实场景，创设"惠农E贷""农保贷"等多个金融产品；制定小微客群农村承包土地经营权和林地使用权抵押贷 款服务方案，提供明确业务指引；以定点帮扶点为目标客群，推出"惠民兴村贷"标准产品，并推出"葡萄贷""烟农贷"等特色专 案，进一步优化乡村金融服务的覆盖面和便捷性。 金融行业在助力乡村振兴中扮演着越来越重要的角色。随着国家政策的不断深化，如何创新服务模式、精准对接"三农"需 求，成为金融机构推动乡村振兴的关键。最新发布年报显示，2024年广发银行依托金融服务创新精准帮扶模式，在组织保障、 金融助农、产业帮扶、消费帮扶等领域持续发力见成效。 强化组织保障机制 统筹战略部署。召开全行2024年助推乡村振兴工作会议，各直属机构通过党委会、理论学习中心组等形式，研究细化工作 举措，压实各级责任。构建制度框架。印发《广发银行2024年推进乡村全面振兴重点工作落 ...