中经记者 杨井鑫 北京报道 六十载栉风沐雨，六十载万象更新。从落后到繁荣，从贫困到富足，中国式现代化的西藏实践迈出了坚 实步伐，尤其是在高原经济高质量发展、人民群众获得感幸福感安全感等方面成绩斐然。 地方产业发展和兴边富民都离不开金融的支持。作为一家国有大行，农业银行（601288.SH）不仅是西 藏发展的见证者，也是重要参与者。该行一直坚守服务乡村振兴和服务实体经济的定位，全力以赴强产 业、壮实体、促普惠、改民生，将金融活水投向重点领域和薄弱环节，为西藏长治久安和高质量发展提 供了坚实的金融支撑。 在西藏墨脱县格当乡的羊肚菌种植基地里，尼日卡林下资源合作社负责人贡秋次仁正忙着检查液态菌种 发酵罐。他刚从农业银行西藏墨脱支行申请到100万元贷款，计划用于扩大羊肚菌的培育规模。 据了解，墨脱曾经是全国最后一个通公路的县。多年来，农业银行在墨脱坚持开展"3+2"流动金融服 务。直到2023年10月，农业银行墨脱格当支行挂牌营业，农牧民终于迎来了开在"家门口"的银行。 高原畜牧产业是西藏的特色产业。在海拔4700米的那曲市聂荣县，合作社的工作人员正通过手机查看牦 牛的健康数据。农业银行西藏那曲分行提供的"智慧畜牧" ...

谁能想到，这家"一房难求"的客栈，年初还是一片改造工地。当时，李曦准备加大投入进行扩建 改造，但因为预算超支、资金短缺，改造工作陷入停滞。"装修材料不够，家具采购、消防设施升 级也还没有做。"眼看避暑旺季将至，李曦决定向农行叙永县支行求助。该行客户经理实地走访 后，仅用3个工作日就完成调查评估，迅速发放22万元"惠农e贷"贷款。有了这笔"及时雨"，云溪 客栈改造工作迅速推进。改造完成后，客栈日均接待游客超100人，月营收较改造前翻了两番。 本报讯 8月14日，叙永县水尾镇西溪村的云溪客栈，负责人李曦忙着为新来的游客安排住宿。"一 入夏，16间客房就天天满员，周末还要提前一周预订。"李曦说，客栈地处画稿溪腹心地带，周边 竹林掩映，已经成为不少游客避暑康养的首选。 这是农行叙永县支行助力乡村振兴的一个缩影。近年来，该行以"惠农e贷"等产品为乡村振兴输 血，推动山区资源加快变成致富资本。今年截至目前，农行叙永县支行累计投放"惠农e贷"2.47亿 元。 ...

Core Insights - Agricultural Bank of China Fangchenggang Branch has significantly increased its loan balance, surpassing 20 billion yuan as of August 15, 2025, reflecting its commitment to local economic development and alignment with national policies [1][4] Group 1: Major Projects and Infrastructure - The bank has focused on supporting key projects in the local economy, particularly in port upgrades, coastal industries, and transportation infrastructure, with a total of 36 major project loans approved since 2022, amounting to 34 billion yuan, of which 7.4 billion yuan has been disbursed [1] - A notable example includes a 3 billion yuan credit line for the Chisha Port project, with 505 million yuan already disbursed [1] Group 2: Green Finance Initiatives - The bank has actively engaged in green finance, providing over 46.1 billion yuan in credit for green projects since 2020, including nuclear power and offshore wind projects, with more than 14 billion yuan in green loans issued [1] Group 3: Inclusive Finance for Small and Micro Enterprises - The bank has implemented inclusive finance policies, collaborating with guarantee companies to support small and micro enterprises, with over 4.3 billion yuan in loans disbursed in the past three years [2] - A specific case involved the rapid approval of a 5 million yuan loan for a local seafood processing company facing funding shortages during peak trade seasons [2] Group 4: Support for Local Industries - The bank has tailored financial services to support local industries, including logistics, border trade processing, and modern fisheries, with nearly 4.2 billion yuan in loans provided to key grain and oil enterprises since 2020 [2][3] - In the emerging industries sector, the bank has formed specialized teams to assist advanced manufacturing and renewable energy projects, with 7.663 billion yuan in loans directed towards local nuclear power projects since 2020 [3] Group 5: Agricultural and Rural Development - The bank has emphasized agricultural finance, with 18.3 billion yuan in county loans and 12.1 billion yuan in agricultural loans since 2020, implementing initiatives to build credit profiles for farmers [3] Group 6: Consumer and Business Loans - The bank has focused on meeting consumer and business needs, with personal loan balances exceeding 5 billion yuan as of June 2025, leading the industry in comparable metrics [3]

Core Viewpoint - The article highlights the transformation of Changjiang Village through financial support, leading to industrial upgrades and improved livelihoods, ultimately earning the title of "Provincial Rural Revitalization Demonstration Village" [1] Infrastructure Empowerment - Changjiang Village, home to 5,363 residents, spans 10.59 square kilometers and features 30 kilometers of hardened roads and 9.7 kilometers of "white + black" oil roads connecting it to urban areas [2] - The village has a central cultural square of 10,000 square meters, facilitating community activities and modern conveniences for tourism [2] - Financial support has enabled the construction of essential infrastructure, including 28 mountain ponds and 5 irrigation stations, enhancing agricultural productivity [2] Precision Drip Irrigation for Industry Growth - Local farmer Taxibo expanded his greenhouse from 5 acres to 20 acres, generating an annual output value of 300,000 yuan, thanks to an 110,000 yuan loan from Agricultural Bank [3] - The vineyard owner Guo Wenli received a 141,000 yuan loan to sustain her business during a downturn, allowing her to employ 25 villagers and upgrade her vineyard [4] - Xu Qiang, a fish farmer, utilized a 300,000 yuan credit loan to improve his fish farming operations, achieving an annual production of 100,000 pounds of fish valued at nearly 500,000 yuan [5] Financial Services and Community Impact - Agricultural Bank has established credit files for 40 households in Changjiang Village, disbursing a total of 6.16 million yuan in loans to support various agricultural activities [5] - The "Branch + Cooperative + Farmer" financing model has facilitated detailed financial services, allowing villagers to earn income through dividends and wages while contributing to local agriculture [6] - The financial support has significantly enhanced the livelihoods of villagers, with many earning additional income through agricultural work and cooperative participation [6]

Core Insights - Nanjing County, located in Fujian Province, is known as the "Hometown of Bamboo" with a bamboo forest area of approximately 530,000 acres and an annual bamboo industry output value of 4.09 billion yuan in 2024 [1] - Agricultural Bank of China (ABC) plays a crucial role in supporting the local bamboo industry by providing various financial products to enhance the income of local farmers [1][2] Bamboo Planting and Processing Development - July is the peak season for bamboo shoots, with farmers working early to ensure fresh bamboo shoots reach processing plants on the same day [1] - Wu Tianchang, a local bamboo farmer, expanded his bamboo planting area to over 2,000 acres and produces more than 1,200 tons of bamboo shoots annually, supported by a 500,000 yuan loan from ABC [1] Financing Challenges - Local bamboo buyer Chen Wanzhong reported a sales volume of around 3,000 tons this year, with financial support from ABC allowing him to manage seasonal cash flow needs effectively [3] - ABC provides tailored financial products like "Huinong e-loan" and "Merchant e-loan" to address the financing challenges faced by individual businesses in the bamboo industry [3] Supporting Business Growth - Fujian Gaolong Agricultural Products Co., Ltd. has grown from a small processing workshop to a major canned food manufacturer, employing nearly 300 people, with continuous financial support from ABC since 1995 [4] - As of July 2025, ABC has provided credit support to six bamboo industry enterprises totaling 70.58 million yuan and to 1,235 farmers and merchants in the bamboo sector totaling 160.59 million yuan [4]

Core Viewpoint - The Agricultural Bank of China Yuxi Branch is committed to supporting the development of agricultural machinery equipment, which is crucial for building a strong manufacturing country and ensuring national food security [1][2]. Financial Support Measures - The bank offers various credit products for agricultural machinery purchase, leasing, or upgrading, including fixed asset loans, technology loans, and personal loans, with a total of 44.24 million yuan in loans supporting agricultural machinery as of June [1][2]. - The bank's support for agricultural machinery is a concrete measure to implement the rural revitalization strategy, promoting agricultural technology upgrades and improving the bank's credit structure [1]. Risk Management Strategies - The bank addresses the unique risks associated with agricultural machinery loans through financial technology, innovative risk-sharing mechanisms, and optimized loan methods, enhancing the accessibility and sustainability of these loans [2]. - The bank utilizes mobile internet, big data, and artificial intelligence for online processing of loans, and offers flexible repayment options to alleviate cost pressures on agricultural enterprises and farmers [2]. Future Plans - The bank plans to continue innovating and promoting credit products, focusing on high-quality small and micro enterprises in the agricultural sector [3]. - It aims to enhance financial coverage for agricultural industrial chains, particularly for leading enterprises, and increase loan support for green and intelligent agricultural machinery [3]. - The bank will leverage central bank policies to provide preferential interest rate loans for the replacement of old agricultural machinery and the procurement of intelligent agricultural equipment [3].

Core Insights - The article highlights the growth and significance of Baixian tea production in Zhao'an County, Fujian Province, emphasizing its high-quality yield and economic impact on local farmers and the community [1][2]. Group 1: Industry Overview - Baixian tea is cultivated in Zhao'an County, known for its favorable climate and soil rich in selenium, contributing to its reputation as a major tea-producing region in China [1]. - The tea planting area in Zhao'an County has reached 42,500 acres, generating an annual output value exceeding 1.2 billion yuan [1]. Group 2: Financial Support and Impact - Local farmers, such as Hu Wusong, have benefited from financial support from Agricultural Bank of China (ABC), which has facilitated quick loan processing to meet their funding needs for fertilizers and pesticides [1]. - Hu Shunquan, a tea processing factory owner, received a 300,000 yuan loan from ABC to address funding shortages due to rising labor costs and equipment upgrades, showcasing the bank's role in supporting local businesses [2]. - ABC has focused on providing inclusive financial services to tea farmers and merchants throughout the entire tea production chain, promoting products like Huinong e-loan to enhance the economic viability of the tea industry [2].

Group 1: Financial Support for Renewable Energy Projects - The Yellow River Pumped Storage Power Station in Ningxia is under construction, utilizing the Yellow River as a water source and incorporating a water purification system to manage sediment levels, thus promoting efficient water resource use and ecological protection [1] - Agricultural Bank of China Ningxia Branch has approved a loan of 6.28 billion yuan for the project, with 530 million yuan already disbursed, providing strong financial support for its implementation [1] - The bank is focusing on supporting clean energy industries, including wind, solar, water, and hydrogen, to enhance local economic development [1] Group 2: Development of Specialty Industries - Ningxia has been developing six specialty industries, including wine, goji berries, milk, beef cattle, sheep, and cool-season vegetables, leading to an increase in international trade of "Ning" branded agricultural products [2] - The bank has facilitated cross-border RMB settlement agreements to help local companies mitigate exchange rate risks, particularly in the goji berry trade [2] - As of June this year, the bank's international settlement volume and cross-border RMB settlement volume increased by 18.3% and 54.7% year-on-year, respectively [2] Group 3: Support for Migrant Populations and Rural Revitalization - Ningxia has implemented a Million Migrants Prosperity Enhancement Action to improve the living standards of over one million relocated individuals [3] - The bank has provided loans to support agricultural projects, such as goji berry plantations, which have created job opportunities for local residents [3] - As of June this year, the bank's rural industry loan balance reached 18.65 billion yuan, an increase of 2.92 billion yuan since the beginning of the year [3] Group 4: Overall Loan Growth and Financial Contributions - As of June this year, the total loan balance of the Ningxia Branch exceeded 100 billion yuan, reaching 101.21 billion yuan [4] - The bank aims to enhance financial service quality to contribute to the development of a prosperous, united, beautiful, and affluent new Ningxia [4]

Core Viewpoint - The financial institutions in Tongliao City are actively working to address the challenges faced by the meat cattle industry, particularly in terms of financing and collateral, by implementing innovative financial services and products to support sustainable development in agriculture [1][3][4]. Financial Support for Meat Cattle Industry - As of the end of May, the loan balance for the meat cattle industry in Tongliao City reached 24.654 billion yuan, with 9.125 billion yuan disbursed this year, accounting for 13.24% of the total loan balance in the city [2]. - The People's Bank of China Tongliao Branch has introduced policies to guide financial institutions in meeting the financing needs of the meat cattle industry, including the inclusion of large agricultural tools as collateral [3]. Technological Integration in Financing - The integration of technology and finance is emphasized, with the development of a "Smart Livestock Loan" model that utilizes IoT devices and AI technology to monitor livestock health and establish asset identification [4][6]. - A digital platform has been established to achieve full lifecycle traceability of meat cattle, with 95,800 cattle already included in the digital archive [6]. Risk Management and Monitoring - The financial institutions are implementing a dual safeguard system combining technology and control for collateral management, utilizing various monitoring systems to ensure the integrity of pledged assets [5][9]. - The establishment of a rural revitalization financial service station aims to facilitate the registration and monitoring of live cattle collateral, enhancing the oversight of pledged livestock [6]. Support for Grain Industry - The financial support extends to the grain industry, with a focus on integrating supply chain finance to enhance the financing capabilities of small and medium-sized enterprises within the corn industry [10]. - A credit guarantee fund has been established with a total of 1.28 billion yuan to support grain purchasing and processing enterprises, resulting in the issuance of loans totaling 2.2 billion yuan [9]. Innovation in Financial Products - Financial institutions in Tongliao are encouraged to develop differentiated financial products tailored to the specific needs of the meat cattle and grain industries, following the principle of "suitability by institution" [7][10]. - The introduction of intellectual property pledge loans aims to support agricultural technology enterprises, facilitating a shift from asset-heavy to knowledge-based financing models [10].

Core Viewpoint - The article highlights the success story of Liu Maoshan, a veteran who returned to his hometown to establish a citrus farming business, supported by Agricultural Bank of China (ABC) in Guang'an District, Sichuan. The bank's financial assistance and services have played a crucial role in promoting rural revitalization and supporting local economic development [1][5]. Group 1: Liu Maoshan's Journey - Liu Maoshan, a retired soldier, returned to his hometown to pursue agricultural entrepreneurship, specifically in citrus farming, after recognizing the potential of the industry and land transfer policies in 2020 [1][2]. - Initially, Liu faced challenges due to a lack of experience in farming, which led to difficulties in the early stages of his agricultural venture [1][2]. - Liu participated in training programs and sought knowledge from various regions to improve his farming techniques and optimize crop selection, ultimately focusing on three citrus varieties: Aiwen, Ganping, and Jinqiu [2][3]. Group 2: Financial Support from Agricultural Bank - The Agricultural Bank of Guang'an District identified Liu's project as a priority for support, providing him with credit facilities through a "green channel" for veterans, which helped alleviate his financial constraints [3][4]. - The bank's support enabled Liu to expand his citrus farm from over 100 acres to nearly 300 acres, establishing it as a well-known demonstration farm [3][4]. - As of now, the Agricultural Bank has served 5,090 farmers, with an agricultural loan balance of 735 million yuan, and has issued 88 million yuan in loans specifically for fruit and vegetable cultivation [4]. Group 3: Impact on Local Economy and Rural Revitalization - Liu's farm not only focuses on citrus cultivation but has also diversified into other areas such as poultry farming, fishing, and hospitality, creating job opportunities for nearly 10,000 workers annually [4][5]. - The Agricultural Bank's commitment to supporting rural revitalization is evident through its tailored financial products and services aimed at fostering new agricultural business models and technological innovation [4][5]. - The bank's efforts reflect a broader strategy to enhance local economic development and contribute to the overall goal of rural revitalization in the region [5].