在天津市静海区独流镇，部分粮油购销龙头企业门口的收储点一派繁忙景象。满载新麦的卡车有序排 队，传送带轰鸣运转，金灿灿的麦粒源源不断涌入粮仓。 眼下，正是夏粮收购的关键期。为做好夏粮收购工作，天津市粮食和物资局等部门召开夏粮收购贷款协 调保障机制联席会议，根据天津市粮食预计产量、预计收购量、价格走势，分析研判粮食收购资金需 求，为天津市夏粮收购做好资金保障。 津北沃野，夏风拂过丰收的麦堆，天津市宝坻区部分小麦已归仓。在这片年粮食交易额超20亿元的热土 上，100余家粮食购销企业正开秤收粮，迎来一年中最繁忙的交易时节。 宝坻区是天津的农业大区，粮食收购行业发展完备。截至目前，宝坻全区近100家粮企散布各乡镇，多 为个体工商户，年收购量从2000万斤至8000万斤不等，形成庞大产业链。上游连接千家种植户，下游对 接饲料厂、面粉厂及粮储库，资金需求贯穿全年。 宝坻区牛道口镇芮家庄村收粮大户陈大友说："去年我收购了5000吨小麦、1000吨玉米、2000吨水稻。 今年我家种了1000亩地，随着小麦夏收结束，我的收购资金紧张。多亏了农行的'惠农e贷—大户贷'专 项产品，从资料收集到审批放款，仅2天我就获得300万元资金。 ...

Core Viewpoint - The People's Bank of China, Panjin Branch, is actively enhancing financial services in county areas through a comprehensive framework that emphasizes collaboration, increased credit supply, improved financial management, and public financial literacy, thereby supporting the coordinated development of the county economy and finance [1][2][3][4]. Group 1: Financial Collaboration Framework - The Panjin Branch is establishing a new model of cooperation between grassroots central banks and local governments, creating a collaborative work structure that includes regular communication with banking institutions and local governments [1]. - A joint "County Financial Service Joint Conference System" has been implemented to facilitate information exchange, resource sharing, and cooperation [1]. - The branch has initiated over 30 engagements with local banks to enhance policy promotion and financial services in county areas [1]. Group 2: Credit Supply Enhancement - The Panjin Branch is guiding banks to innovate financial products focusing on key local industries such as rice and river crabs, launching over 30 credit products including "Golden Crab Loan" and "Agricultural Machinery Loan" [2]. - New financing mechanisms have been developed for modern agricultural entities, including collateral loans based on agricultural inventory [2]. - The branch is also promoting green finance initiatives and has introduced various online financial products to increase accessibility [2]. Group 3: Financial Service Optimization - The Panjin Branch is improving the rural financial infrastructure and enhancing the credit system, establishing a model for credit villages and initiating a "whole village credit" project [3]. - The branch has set up 143 rural bank outlets and installed 1,963 ATMs and POS terminals to facilitate financial services [3]. - A comprehensive optimization plan for nine business lines has been introduced to streamline financial service processes [3]. Group 4: Public Financial Literacy Promotion - The Panjin Branch is conducting extensive financial literacy campaigns through various community engagement activities, reaching over 50,000 individuals [4]. - Financial knowledge dissemination is being carried out in rural areas via lectures and promotional videos, focusing on enhancing public understanding of financial services [4]. - The branch has organized over 600 activities related to financial knowledge promotion and legal education in rural areas [4].

6月初，小麦生产大县江苏南通如东县90余万亩麦田满地金黄。位于马南村的如东县马南立新家庭农场 也迎来农忙季，夏收夏种两茬活儿，几乎是脚前脚后地在赶。 "我们这里是稻麦轮作，机器和人都要'接力跑'，钱也得无缝衔接。"农场负责人蔡立新说。 在农业银行的资金支持下，蔡立新和他的农场"接力跑"进展十分顺利。 "三夏"工作关乎夏粮归仓和秋粮播种，是全年粮食增产的关键一仗。围绕粮食种收主体的各类金融服务 需求，银行业金融机构强化信贷供给、优化金融服务，为全年粮食稳产增收打下坚实基础。 高效满足"三夏"资金需求 "有了这些'新农具'，以往费时费力的工作变得更加高效精准。"种植户王先生说。 "农行帮我提高了贷款额度，这次有100万元，速度也快，3天就到账了。"蔡立新说，"今年农场里的小 麦亩产达500公斤，还可以利用部分贷款资金去邻县再收点小麦，烘干后一起卖到镇上的粮库里，多挣 点钱。"蔡立新十分开心地说。 《金融时报》记者从农业银行了解到，针对粮食企业夏收期间资金需求量大、投放集中等特点，该行着 力提高企业授信额度，建立绿色审批通道，优化办贷服务流程，切实做到"钱等粮"。 "农行江苏分行聚焦保障'三夏'生产，倾斜配置信贷资 ...

Group 1 - The core viewpoint of the articles highlights the transformation in rural credit access facilitated by the integration of digital financial infrastructure and data sharing among government departments, significantly improving loan approval processes for farmers [1][2][3] - Jiangxi Province's Ganzhou City, known for its large citrus production, has implemented a rural credit information verification platform that aggregates agricultural data from various sectors, enhancing credit evaluation for rural operators [2] - The platform has led to a reduction in loan approval procedures by 2 to 3 steps, increasing efficiency by approximately one-third, and has expanded the coverage of credit services to previously underserved rural operators [2] Group 2 - By April 2025, the platform had aggregated 14.75 million pieces of agricultural data, covering various aspects of rural operations, which has been crucial for financial institutions in assessing creditworthiness [2] - The platform has supported the issuance of 20,600 loans amounting to 1.868 billion yuan, demonstrating its effectiveness in facilitating access to credit for rural businesses [2] - The integration of agricultural data into credit products has accelerated the digital transformation of financial institutions, allowing for more precise identification of customer groups and tailored financial solutions [3]

本报记者 陈衍水 近日，记者走进福建省南平市建阳区麻沙镇竹洲村，空气中弥漫着杨梅特有的清甜气息。对杨梅家庭农 场负责人施民生来说，这本该是满怀喜悦、期待丰收的季节。然而，望着满园挂满枝头、日渐红润的杨 梅，施民生的心中却充满焦虑。 "今年的杨梅长势好，果子又大又甜。可这60亩杨梅林，规模翻了一倍，压力也翻了倍。"他站在郁郁葱 葱的杨梅林中眉头微蹙。 这份压力源自丰收背后的巨大投入。施民生的杨梅家庭农场刚刚从30亩扩大到60亩，正是需要资金的关 键时期，杨梅熟得快，采摘期就十来天，必须争分夺秒。雇工费、包装材料费等都离不开钱。果子挂在 树上，是沉甸甸的希望，也是沉甸甸的负担，收晚了、运慢了，一年的辛苦将大打折扣，因此，采收季 的资金缺口成为施民生的最大难题。 幸好在不久前，因为一次采购，施民生与农行结缘。在农行南平麻沙支行，他第一次在农行办理公户开 户相关业务时，经办客户经理小游了解到他的农场经营情况、扩张历程及当前资金需求后，向他推荐了 特色农户贷款。 农 行南平分行客户经理走访杨梅种植户了解其资金需求 黄炜航/摄 随着15万元贷款审批顺利完成，施民生紧锁的眉头舒展开来，望着即将迎来盛果期的杨梅树，眼中充满 ...

Core Insights - The article highlights the success story of a poultry farming cooperative in Sichuan, which overcame financial difficulties through timely support from Agricultural Bank of China (ABC) [1][2][3] - ABC's innovative financial products, such as "Huinong e-loan," have been instrumental in supporting rural entrepreneurship and addressing funding shortages for returning migrant workers [3] Group 1: Company Support and Financial Products - The cooperative, founded by returning migrant worker Li Pingfan, faced a funding crisis due to unsold poultry, but received a quick loan of 150,000 yuan from ABC, which was processed in just three days [1][2] - ABC has developed a range of specialized financial products, including "Huinong e-loan," "Grain Farmer e-loan," and "Rural Tourism Loan," to support rural industry development and assist 230 returning entrepreneurs [3] Group 2: Impact on Business Growth - Following the loan, the cooperative's production increased from over 20,000 to more than 30,000 chicks annually, leading to an additional income of over 100,000 yuan from chick farming [2] - The cooperative is projected to generate over 700,000 yuan in revenue from the sale of more than 10,000 local chickens and geese [2] Group 3: Future Plans and Commitment - Li Pingfan plans to adopt advanced breeding technologies and establish a digital breeding system to create a well-known agricultural product brand [2] - ABC's commitment to rural finance is evident in its current agricultural loan balance of 1.542 billion yuan, with plans to enhance credit offerings to support rural revitalization [3]

每逢周末，前往四川九寨沟自驾游的车辆便如潮水般涌入，为当地民宿业带来了前所未有的蓬勃生机。 作为被联合国教科文组织赞誉为"世界自然遗产"的胜地，九寨沟正凭借"金融+文旅"双轮驱动的创新模 式，在新时代乡村振兴的道路上一路疾驰，书写着属于自己的华丽篇章。 唤醒沉睡农房资源 走进九寨沟县下寨村，村支书殷冬清正穿梭在村里新改造的民宿间，脸上洋溢着抑制不住的喜悦。时间 回溯到2023年，彼时的殷冬清看着村里闲置的老房子，心中萌生出开办民宿的想法。然而，资金短缺成 为横亘在他面前的一道难题。就在他一筹莫展之际，阿坝农商银行九寨沟支行的工作人员在实地走访中 得知了他的困境后，主动对接，仅仅两天时间，90万元的信用贷款就打到了殷冬清的账户上。有了这笔 资金，殷冬清的民宿在当年便顺利装修完工并开门迎客。 一直以来，中国人民银行阿坝州分行九寨沟营业管理部积极对接政府部门关于提振消费的政策和行动， 引导金融机构深耕民宿消费市场，通过强化科技赋能，不断优化贷款流程。如今，各金融机构发放的信 用贷款线上占比已达100%，民宿主体对金融服务的认知度和满意度大幅提升。 驱动"小民宿"迈向"大产业" "刷厚点，再刷厚点！"在九寨沟县漳扎镇 ...

第二，巩固提升普惠信贷体系和能力。包括完善普惠信贷管理体系、提升小微企业信贷服务质效、加 强"三农"领域信贷供给、加大脱贫地区和特定群体信贷帮扶力度、强化民营企业信贷支持等。 智通财经APP获悉，近日，金融监管总局、中国人民银行联合发布《银行业保险业普惠金融高质量发展 实施方案》，就未来五年的主要目标，《实施方案》明确，基本建成高质量综合普惠金融体系，普惠金 融促进共同富裕迈上新台阶。普惠金融服务体系持续优化，普惠信贷体系巩固完善，普惠保险体系逐步 健全。 具体来看，第一，优化普惠金融服务体系。包括健全多层次、广覆盖、差异化的普惠金融机构体系、推 动银行保险机构深化普惠金融专业化体制机制建设、完善县乡村金融服务。提升县域金融服务水平，加 强监测指导。完善丰富乡村金融服务，巩固基础金融服务的覆盖面和保障能力。 国家金融监督管理总局发布的最新数据显示，2024年三季度末，银行业金融机构用于小微企业的贷款 （包括小微企业贷款、个体工商户贷款和小微企业主贷款）余额79.8万亿元，其中单户授信总额1000万 元及以下的普惠型小微企业贷款余额32.6万亿元，同比增长14.7%。 第三，加强普惠保险体系建设。包括推进保险公 ...

农行山东分行始终坚守主责主业，当好服务乡村振兴领军银行。先后打造了以服务潍坊"三个模式"为主题的"潍坊示范区"、以服务革命老区振兴发展为主 题的"临沂示范区"、以服务黄河流域生态保护和高质量发展为主题的"东营示范区"、以服务粮食安全和巩固脱贫攻坚成果为主题的"菏泽示范区"、以服务 海洋经济高质量发展为主题的"烟台示范区"，为山东省"打造乡村振兴齐鲁样板"注入了大量金融元素，取得了良好的社会反响。创新推出"粮农e贷""金蒜 贷""石榴e贷""强村兴果贷"等一系列专属金融产品，灵活采用信用、担保、抵押多种方式，有力支持粮食稳产增收和特色农业产业，连续五年在全省金融 机构服务乡村振兴考核评估中获评最高等级"优秀"。 近日，2025"好品金融"典型案例和产品名单公布，农行山东分行相关案例和产品获评"金融服务高质量发展突出贡献案例""金融直达基层加速跑典型案 例""五篇大文章创新产品"，充分彰显了出农行山东分行在服务山东重大战略部署，深度践行金融"五篇大文章"等方面取得的突破性成效，也为金融赋能 实体经济高质量发展树立了典范。 坚守主责主业 打造乡村振兴齐鲁样板示范区 农行山东分行始终坚守主责主业，当好服务乡村振兴领军 ...

在青岛莱西市的智慧玻璃温室大棚里，一排排番茄藤沿着智能支架攀爬，红澄澄的"一颗大™"樱桃番茄 泛着光泽。这些"喝"着精准配比营养液、"住"着恒温恒湿"智能房"的番茄，历经100天自然成熟后，正 通过全国1.2万家商超、水果店及电商平台，成为消费者口中的"脆甜担当"。而在这颗"高素质"番茄的 成长轨迹中，农业银行青岛分行的金融"活水"功不可没。 回想起2013年首次与农业银行的合作，该集团企业融资部部长李靖说："那时候想扩建温室，可实验室 设备、专利技术都不算抵押物，传统贷款处处碰壁。" 农业银行青岛市北第二支行却看到了"技术含金量"，为该集团定制专属融资方案。 转自：新华财经 科技种出"金果果" "我们的番茄糖度能达到9.5，比普通品种高30%，秘诀就在这满屋子的'黑科技'。"凯盛浩丰农业集团技 术员常士奇指着控制室屏幕说，温室内的气候控制系统每10分钟采集一次数据，自动调节通风、灌溉和 光照，连二氧化碳浓度都能精准把控。更厉害的是智能分拣线，近红外光谱仪3秒内完成糖度、瑕疵检 测，让每颗番茄都能"对号入座"——精品果进入高端商超，异形果则成为NFC果汁的原料，损耗率仅 2.3%，不到行业平均水平的一半。 凭 ...