延伸服务触角，让民生保障更有温度。依托政银合作平台，将金融服务与政务服务深度融合，打通服务 群众"最后一公里"。联合乡镇政府、村委会推进整村授信工作，通过"三问三查"建立详细的农户信用档 案，实行"额度优先、利率优惠"政策，让村民凭信用就能便捷获得贷款。目前，全县多个村庄整村授信 覆盖率超80%，有效满足了农户发展产业的资金需求。同时，在政务服务大厅设立服务窗口，与社保、 医保等部门协作，优化养老金支取、医保缴费等服务流程，让群众办事更省心、更高效。 下一步，莒县农商银行将继续深化政银合作，聚焦县域发展重点领域和薄弱环节，不断创新合作模式、 优化金融产品、提升服务质效，当好政策落地的"执行者"，资源整合的"链接者"，民生服务的"践行 者"，以更务实的举措、更优质的服务，与地方政府同心协力，为推动莒县经济社会高质量发展贡献更 强金融力量。 （通讯员 马芳旭） 政银担联动，为乡村振兴注入源头活水。农业是莒县的根基产业，解决农户和新型农业经营主体"融资 难、担保难"问题，是莒县农商银行与政府部门合作的重中之重。该行联合省农担日照管理中心，深 化"政银担"三位一体合作模式，组建专项服务团队深入田间地头，摸清产业需求， ...

Core Insights - The launch of the "Doulaiju" digital platform marks a significant step in transforming idle rural housing into new momentum for rural revitalization in Doumen District, Zhuhai [1] Group 1: Service System and Policy Framework - Doumen District has established a "1+5+N" three-tier service system, which includes one district-level operation platform, five town-level management centers, and 81 village-level service stations to efficiently integrate and utilize idle rural housing resources [2] - A comprehensive regulatory framework has been implemented, including the "Implementation Plan for the Activation and Utilization of Idle Rural Housing," with 15 policy documents to standardize the activation process from qualification review to usage supervision [2] - As of now, 583 idle houses have been activated through rental, cooperation, and equity participation, generating an income of 4.0428 million yuan for villagers and 743,000 yuan for village collectives [2] Group 2: Innovative Models and Financial Support - Doumen District is developing unique models for each town based on local resources, such as transforming idle houses into talent housing, developing homestays, and creating study rooms, with 105 homestays and 111 talent houses established [3] - The financial service center has introduced a "whole village credit" product, achieving full coverage of 101 administrative villages, simplifying loan procedures for farmers, and accumulating a loan balance of 2.431 billion yuan [3] - Future plans include enhancing collaboration with agriculture, rural affairs, and cultural tourism departments to develop credit products that match activation projects [3] Group 3: Digital Platform Functionality - The "Doulaiju" platform utilizes digital tools for the online and precise circulation of idle rural housing, featuring over 300 quality houses, online signing, and real-time policy updates [4] - A three-tier review mechanism ensures the authenticity of housing sources, allowing tenants to easily schedule viewings and sign contracts online, significantly improving transaction efficiency [4] - The platform successfully facilitated its first transaction, leasing a 293-square-meter idle house for approximately 1,325 yuan per month for educational purposes [4]

Core Insights - The People's Bank of China Guangdong Branch has facilitated "whole village credit" initiatives for 18,000 credit villages, amounting to over 500 billion yuan [1] Group 1: Financial Institutions and Credit Initiatives - Financial institutions in Guangdong have cumulatively implemented "whole village credit" for 18,000 credit villages [1] - The total amount of credit extended exceeds 500 billion yuan, benefiting 1.4 million agricultural entities [1] Group 2: Impact on Rural Development - The initiative aims to improve rural financial services and ecology, promoting coordinated urban-rural development [1] - The program is part of the "Hundred Million Thousand Project," which has shown effective results [1]

Group 1 - The event "2025 Shenyang·Changrong Project - Financial Innovation Development for Agriculture" was held to focus on rural revitalization and promote financial support for farmers [1][3] - A strategic cooperation agreement was signed between Shenyang Agricultural and Rural Bureau and Postal Savings Bank Shenyang Branch, marking a new phase in financial support for rural revitalization [3][6] - The Shenyang Municipal Financial Office emphasized the importance of policy guidance to encourage financial institutions to increase agricultural credit, including measures like agricultural re-loan rewards and interest subsidies for first-time borrowers [3][4] Group 2 - Postal Savings Bank Shenyang Branch has allocated 3 billion yuan for agricultural loans, focusing on nine key industries including food security and livestock farming [4] - The bank has established 858 credit villages and provided loans totaling 7.98 billion yuan, with significant support during the spring farming season [4][5] - Future plans include deepening cooperation with the Agricultural and Rural Bureau and innovating financial services through "agricultural big data + finance" to enhance precision in policy and financial alignment [5][6]