田间地头，牛羊茁壮，温室大棚映照希望之光；村落巷陌，农家乐里笑语盈盈，特色产业涌动蓬勃生 机。在这幅乡村振兴的生动图景背后，中国农业银行临夏分行持续注入的金融活水，正润物无声地滋养 着河州大地。 近年来，农行临夏分行始终将服务"三农"作为重大政治责任与历史使命，尤其注重将资源与政策向东乡 县、积石山县、永靖县等重点帮扶区域倾斜，全心投入乡村振兴金融实践。截至2025年11月末，农行临 夏分行各项贷款余额达116.92亿元，其中，涉农贷款余额45.78亿元，较年初增长6.86亿元，增速达 17.64%；农户贷款余额24亿元，较年初净增6.59亿元，创历史新高。这些数字是该行扎根临夏乡村热 土，聚焦产业升级与农户增收，持续创新金融产品与服务模式的坚实印记。 巩固成果 织密防返贫保障网 在地方政府与金融部门协同推进特色美食产业发展的背景下，临夏市俊林清真肉制品有限责任公司2025 年上半年计划扩大生产，却因缺乏传统抵押物面临融资困境。了解企业难处后，农行相关支行行长带队 深入厂房，实地考察公司生产流程，分析经营流水，并重点评估其核心专利价值，最终为企业精准匹 配"科技e贷"产品，高效审批纯信用贷款1000万元。"这 ...

中新网拉萨1月6日电 (拉巴卓玛)近日，中国农业银行西藏自治区分行各项贷款余额历史性突破2000亿元 (人民币，下同)大关，公司贷款余额同步跨过1000亿元关口，实现"双千亿"里程碑式跨越。这一突破， 标志着该行服务西藏经济社会发展的综合金融实力跃上至新高度，为雪域高原长治久安与高质量发展注 入强劲动能。 据悉，中国农业银行西藏自治区分行紧密对接国家区域发展战略，深度融入高原经济高质量发展先行区 创建蓝图，全力支持交通基础设施、电力水利、矿产资源开发等重点领域，为重大能源工程及资源开发 项目提供全方位金融支撑。2025年，投放重大项目贷款280多亿元，余额超680亿元；投放绿色贷款208 亿元，余额突破410亿元。 图为中国 农业银行林芝分行工作人员在企业开展贷前调查。中国农业银行西藏自治区分行供图 中国农业银行西藏自治区分行党委书记、行长林庆表示："站在'双千亿'新起点，我行将始终秉持'扎根 西藏、建设西藏、奉献西藏'初心使命，紧扣自治区'四件大事'，强化信贷精准支撑、深化绿色普惠金融 创新、严守风险底线，推动金融资源直达实体经济，切实发挥'金融国家队'作用，为促进民族团结、建 设美丽幸福西藏贡献更大力量！ ...

转自：新华财经 金融是现代经济的核心，服务实体经济是金融的根本宗旨。农业银行包头分行把学习贯彻党的二十届四 中全会精神融入金融服务各领域各环节，立足包头市稀土新材料基地和稀土应用基地、全国老工业基地 绿色转型创新发展示范地区和黄河"几字弯"都市圈现代化中心城市建设，聚焦先进制造、乡村振兴、绿 色金融、普惠民生等关键领域，以精准金融供给、创新服务举措和高效金融服务，为地方经济高质量发 展注入强劲动能。 锚定实体经济"主战场"，金融助力地方经济高质量发展 截至11月末，该行民营企业贷款余额91亿余元，累计服务1.65万户民营企业客户。 深耕乡村振兴"责任田"，夯实"三农"根基 农业银行包头分行始终将服务"三农"作为主责主业，通过模式创新、科技赋能，积极探索高质量服务乡 村振兴的新路径。 在金融服务供给方面，该行"惠农e贷"产品已覆盖包头市527个行政村，今年以来累计投放农户贷款 28.31亿元；"惠农通"服务点实现包头市县域地区全覆盖，凭借"查、取、转、缴、存"等便民服务，有 效扩大了金融服务半径，尤其在农村特色产业乡镇，"惠农通"服务场景建设持续推进，让农牧民在家门 口就能享受便捷金融服务。 在政策落实与模式创 ...

Core Viewpoint - Agricultural Bank of China has become the world's largest commercial bank by market capitalization, reaching approximately 2.74 trillion RMB (about 386.9 billion USD) as of October 30, 2025, reflecting its strategic positioning in serving rural revitalization and the real economy [2]. Financial Performance - For the first three quarters of 2025, Agricultural Bank reported operating income of 550.8 billion RMB and net profit of 222.3 billion RMB, representing year-on-year growth of 1.97% and 3.28% respectively [2]. - The total asset scale of the bank exceeded 48 trillion RMB by the end of the reporting period [2]. County-Level Business Growth - As of September 2025, the bank's county-level loan balance reached 10.90 trillion RMB, growing by 10.57% since the beginning of the year, maintaining over 40% of the bank's total loan proportion [3][18]. - The bank's non-performing loan ratio improved to 1.27%, a decrease of 3 basis points from the beginning of the year [3]. Rural Financing Initiatives - The "Fumin Loan" program has disbursed 273.29 billion RMB, benefiting 321,600 rural households across 14 cities in Gansu province [5]. - The "Huinong e-loan" program has provided 930.92 billion RMB in loans, serving 1,168,700 rural households [5]. Innovative Financial Products - The "Electricity Bill e-loan" product allows small enterprises to secure loans based on their electricity usage data, addressing financing challenges for new businesses [11]. - The "Live Asset Mortgage Loan" has evolved into the "Smart Livestock Loan," utilizing AI technology for monitoring livestock, enhancing efficiency in the lending process [13]. Strategic Partnerships and Projects - Agricultural Bank has established a strategic partnership with China Green Development Group, facilitating financing for multiple renewable energy projects, with a total approval amount of 25.84 billion RMB since 2021 [18]. - The bank's rapid loan approval process has been highlighted in projects like the 300 MW compressed air energy storage project, where it completed a 9 billion RMB loan approval swiftly [14][16]. Conclusion - Agricultural Bank's focus on county-level business and innovative financial products positions it as a leader in rural finance, contributing to its competitive advantage and potential for revenue growth in the future [18].

Core Viewpoint - Agricultural Bank of China has become the world's largest commercial bank by market capitalization, reaching approximately 2.74 trillion RMB (about 386.9 billion USD) as of October 30, 2025, reflecting its strategic positioning in serving rural revitalization and the real economy [1]. Financial Performance - For the first three quarters of 2025, Agricultural Bank reported operating income of 550.8 billion RMB and net profit of 222.3 billion RMB, representing year-on-year growth of 1.97% and 3.28% respectively [1]. - The total asset scale of the bank exceeded 48 trillion RMB by the end of the reporting period [1]. County-Level Business Growth - As of September 2025, the bank's county-level loan balance reached 10.9 trillion RMB, a growth of 10.57% from the beginning of the year, maintaining over 40% of the bank's total loan portfolio [2][21]. - The bank's non-performing loan ratio improved to 1.27%, a decrease of 3 basis points from the start of the year [2]. Rural Financing Initiatives - The "Fumin Loan" program has disbursed 273.29 billion RMB, benefiting 321,600 farmers across 14 cities in Gansu province [4]. - The "Huinong e-loan" program has provided 930.92 billion RMB in loans, serving 1,168,700 farmers [4]. Innovative Financial Products - The bank has introduced innovative products like "Electricity Bill e-loan," which uses actual electricity usage data as a basis for credit assessment, facilitating financing for small and micro enterprises [11]. - The "Live Asset Mortgage Loan" has evolved into the "Smart Animal Husbandry Loan," utilizing AI technology for livestock identification, enhancing efficiency in loan management [16]. Strategic Partnerships and Projects - Agricultural Bank has established a strategic partnership with China Green Development Group, supporting multiple renewable energy projects with a total approval amount of 25.84 billion RMB since 2021 [21]. - The bank's rapid loan approval process has been highlighted in projects like the 300MW compressed air energy storage project, where it completed a 9 billion RMB loan approval swiftly [17][20].

这套"科技+信贷+保险+产业"的全链条保障体系，不仅让牦牛从"会走路的资产"真正变为"能生钱的资 本"，更通过智能风控实现了养殖全流程动态监测——既守住了金融机构的资金安全，又为高原畜牧养 殖企业降低了融资成本。更值得一提的是，该模式还创新应用区块链技术，将活体资产登记、保险理 赔、信贷审批等全流程上链存证，从根源上杜绝了重复抵押风险。 "现在每头牦牛都有了'电子户口'，贷款再也不用愁了。"牧民吕先生道出了当地养殖户的共同心声。这 一创新举措不仅为高原牦牛产业引来金融活水，更填补了四川省牦牛活畜抵押融资的空白。 为破解这一行业痛点，中国人民银行阿坝州分行主动牵线，指导农行阿坝分行与人保财险大胆探索，将 科技基因深度融入金融服务：通过"牛脸识别"技术、AI影像分析系统及实时视频监控，为每一头牦牛建 立独一无二的"数字身份证"，目前已完成554头牛脸数据精准采集与参保。农行阿坝分行依托人民银行 动产融资统一登记系统，用好"智慧畜牧贷"这一特色产品，首次将牦牛活体纳入抵押物范围，再结合人 保财险的保单增信，成功为祥发牧业发放贷款100万元。 在川西北广袤的高原牧场上，一场以科技为笔、金融为墨的产业变革正悄然铺开。中 ...

Core Viewpoint - The article highlights the significant role of financial support from Agricultural Bank of China (ABC) in promoting the development of the tourism and agricultural industries in Tibet, particularly in the Zaxi Qudeng community and surrounding areas. Financial Support and Community Development - The Agricultural Bank of China has provided over 10 million yuan in loans to 111 families in the Zaxi Qudeng community, enabling the establishment of 85 Tibetan-style guesthouses, which has increased local residents' disposable income to 34,000 yuan per capita last year [2][3] - The bank's financial services have been tailored to meet the needs of local farmers and herders, with a total agricultural loan balance of 63.1 billion yuan as of September 2025, an increase of 16 billion yuan since the end of 2021 [2][3] Industry-Specific Financial Products - ABC has introduced specialized loan products such as "Qingke Industry Loan," "Yak Industry Loan," "Smart Animal Husbandry Loan," and "Rural Tourism Loan" to support the development of highland characteristic industries [3] - The balance of rural industry loans has reached 47.8 billion yuan, facilitating the transition of industries like Qingke and yak meat processing from small-scale operations to larger, more professional enterprises [3] Micro and Small Enterprises Support - The bank has provided significant financial backing to small and micro enterprises, with a balance of loans to private enterprises exceeding 74.7 billion yuan, benefiting 360,000 private businesses [5] - The balance of loans for inclusive small and micro enterprises has reached 28.5 billion yuan, maintaining an annual growth rate of over 20% [5] Innovative Financial Services - ABC has enhanced its inclusive financial service system, establishing 365 branches in rural areas, which account for 70% of its total branches, and 5,528 service points in counties and below, covering all towns in the region [6] - The introduction of mobile financial service vehicles has improved accessibility, allowing farmers and herders to conduct banking transactions conveniently [6] Long-term Commitment to Economic Development - Over the past 30 years, ABC has invested nearly 730 billion yuan in the real economy of Tibet, with over 260 billion yuan allocated to agricultural loans [7] - The bank aims to continue providing high-quality financial services to support the socio-economic development of Tibet [7]

Core Viewpoint - The article highlights the significant role of financial support from Agricultural Bank of China (ABC) in promoting the development of the tourism and agricultural industries in Tibet, particularly in the Zaxi Qudeng community and surrounding areas. Financial Support and Community Development - ABC has provided over 10 million yuan in loans to 111 families in the Zaxi Qudeng community, enabling the establishment of 85 Tibetan-style guesthouses, which has increased residents' disposable income to 34,000 yuan per capita last year [2][3] - The bank's financial services have been tailored to meet the needs of local farmers and herders, with a total agricultural loan balance of 63.1 billion yuan as of September 2025, an increase of 16 billion yuan since the end of 2021 [2][3] Industry-Specific Financial Products - ABC has introduced specialized loan products such as "Barley Industry Loan," "Yak Industry Loan," "Smart Animal Husbandry Loan," and "Rural Tourism Loan," which support the growth of highland characteristic industries [3][4] - The balance of rural industry loans has reached 47.8 billion yuan, facilitating the transition of industries like barley and yak meat processing from small-scale operations to larger, more professional enterprises [3] Micro and Small Enterprises Support - ABC has provided significant financial backing to small and micro enterprises, with a balance of loans to private enterprises exceeding 74.7 billion yuan, benefiting 360,000 private businesses [5][6] - The balance of loans for inclusive small and micro enterprises has reached 28.5 billion yuan, maintaining an annual growth rate of over 20% [5] Innovative Financial Services - ABC has enhanced its inclusive financial service system, establishing 365 branches in rural areas, which account for 70% of its total branches, and 5,528 service points covering all towns in the region [6][7] - The introduction of mobile financial service vehicles has improved access to banking services for farmers and herders, facilitating over 14,000 transactions [6] Long-term Commitment to Economic Development - Over the past 30 years, ABC has invested nearly 730 billion yuan in Tibet's real economy, with over 260 billion yuan allocated to agricultural loans [7] - The bank aims to continue providing high-quality financial services to support the socio-economic development of Tibet [7]

Core Viewpoint - Rural revitalization is a key support for Chinese-style modernization and a necessary path to achieve common prosperity, with finance playing a crucial role in resource allocation and development [1] Group 1: Financial Support for Rural Revitalization - Agricultural Bank of China (ABC) Beijing Branch has focused on enhancing financial services for rural revitalization, investing over 49 billion yuan in loans for agricultural enterprises during the 14th Five-Year Plan, with agricultural loan balances increasing by nearly 15 billion yuan since the end of 2020 [2] - The bank has developed a "Three Rural" financial service system, implementing 20 measures to support the "Hundred Thousand Project" in areas such as ecological livability and rural governance, and has created various innovative financial products [2][3] - ABC has launched a series of specialized loans totaling over 2.8 billion yuan to meet the diverse needs of agricultural clients, including products like "Peach Loan" and "Smart Animal Husbandry Loan" [3] Group 2: Enhancing Financial Services in Key Areas - The bank aims to ensure food security by creating a comprehensive financial service model that supports the entire agricultural supply chain, collaborating with major agricultural enterprises to enhance financial supply capabilities [4] - ABC is actively involved in rural infrastructure projects, providing efficient financial services for public infrastructure needs, and has facilitated significant compensation payments to farmers [4] Group 3: Recommendations for National Financial Support - It is recommended to strengthen the top-level design of rural financial development strategies, emphasizing the importance of addressing "three rural issues" and promoting urban-rural integration [6] - A multi-layered, sustainable investment system for rural revitalization should be established, including a national rural revitalization guiding fund to support key areas like agricultural technology innovation and rural tourism [9] Group 4: Focus on Technological Empowerment - The emphasis is on supporting the development of new agricultural productivity through technology, advocating for a diversified investment framework that includes policy, commercial, and cooperative finance [8] - Encouraging the transformation of scientific research achievements into practical applications in agriculture, and promoting the integration of technology and industry [8] Group 5: Supporting Agricultural Industry Quality Improvement - The focus is on enhancing the quality of rural industries by promoting the integration of agriculture with tourism and other sectors, and developing a modern agricultural system in Beijing [11] - Initiatives to build strong agricultural brands and support the development of geographical indication products are highlighted [12] Group 6: Improving Services for Farmers - Financial services should aim to benefit farmers directly, with a focus on improving public services and infrastructure in rural areas [13] - Strategies to help farmers increase income through the development of local specialty industries and the transformation of rural assets into tradable capital are proposed [13]

Core Insights - The article highlights the significant progress in China's agricultural sector during the "14th Five-Year Plan" period, emphasizing the role of financial support in enhancing agricultural productivity and rural development [4][5][32]. Group 1: Agricultural Production and Financial Support - China's grain production is expected to exceed 1.4 trillion jin (approximately 700 million tons) in 2024, marking a new milestone in agricultural output [4]. - The coverage rate of high-quality crop varieties has surpassed 96% during the "14th Five-Year Plan" period, indicating advancements in agricultural technology [5]. - Agricultural Bank of China has optimized its agricultural technology financial services, with a loan balance for grain and important agricultural products reaching 1.25 trillion yuan, growing at a rate of 25.1%, which is higher than the bank's average loan growth of 16.7% [5]. Group 2: Rural Development and Tourism - New business models such as rural tourism and e-commerce have emerged, with the national leisure agriculture revenue projected to approach 900 billion yuan in 2024 [7]. - The loan balance for rural construction reached 2.47 trillion yuan, with a growth rate of 9.7%, exceeding the bank's average loan growth by 1.3 percentage points [7]. Group 3: Technological Advancements in Agriculture - The contribution rate of technological progress in rural areas has reached 63.2%, with the comprehensive mechanization rate for crop farming exceeding 75% [11]. - The use of drones for agricultural tasks has modernized farming practices, enhancing efficiency in crop management [8][9]. Group 4: Income Growth and Financial Inclusion - Rural residents' per capita disposable income is projected to reach 17,522 yuan in 2024, reflecting a nearly 40% increase during the "14th Five-Year Plan" period [24]. - The Agricultural Bank's "惠农e贷" (Huinong e-loan) product has a balance of 1.83 trillion yuan, growing at 22.4%, indicating strong demand for financial products tailored to farmers [14]. Group 5: Financial Services Expansion - The coverage rate of township bank outlets has exceeded 98%, ensuring financial services are accessible in rural areas [17]. - The Agricultural Bank has established a comprehensive service system that includes physical outlets, self-service devices, mobile banking, and remote banking, extending financial services to remote regions [18]. Group 6: Poverty Alleviation and Support for Farmers - The bank has issued loans totaling 31.5 trillion yuan to support poverty alleviation efforts, with a loan balance of 2.52 trillion yuan in 832 poverty-stricken counties, growing at 10.66% [20]. - The financial support has significantly contributed to the development of local industries, such as the apple industry in Yan'an, which has seen substantial growth due to e-commerce [22][23].