中国人民银行黑龙江省分行深入贯彻落实习近平总书记视察黑龙江省期间的重要讲话和重要指示精神， 牢记"中国粮食、中国饭碗"殷切嘱托，坚持以做好"三农"金融服务为头等大事。2023年以来，以创建金 融支持乡村振兴先行先试样板区为引领，推动全省金融机构探索出一套符合现代化大农业发展特点的龙 江经验。全省涉农贷款由2023年初的9296.1亿元，提升至2025年11月末的10294.3亿元。截至11月末，全 省农户贷款余额2375.6亿元，同比增长11.6%，比年初增加245.3亿元；农业贷款余额2631.9亿元，同比 增长11.0%，比年初增加235.1亿元；农村贷款余额5455.4亿元，同比增长7.4%，比年初增加266.5亿元。 金融助力黑龙江省粮食实现"二十二连丰"，今年粮食总产量达到1640亿斤，连续16年位居全国第一。 一、加强联动协同，深化顶层设计，构建金融服务乡村振兴全方位政策支持体系 中国人民银行黑龙江省分行坚持把金融服务乡村振兴摆在突出位置，强化组织领导和顶层推动，系统谋 划、整体协同，为全省农业农村现代化注入强劲金融动能。一是党委高度重视，专班推进落实。分行党 委坚决扛起政治责任，将服务乡村振兴列 ...

Core Viewpoint - The financial institutions in Jilin Province are leveraging inclusive finance to support key sectors such as agriculture, small and micro enterprises, and technology innovation, leading to significant economic development in the region [1]. Group 1: Financial Support for Biopharmaceuticals - Changchun Zhuoyi Biological Co., Ltd. has benefited from sufficient credit support from the Bank of China, enabling the company to invest in technology and expand production capacity [2]. - The Bank of China has actively engaged with technology companies, providing tailored financial products and services, which has led to successful project approvals and funding for various enterprises [3]. Group 2: Support for Technology Enterprises - The Bank of China has established a specialized service team to assist a pharmaceutical company with a large-scale headquarters project, resulting in the approval of significant credit lines [3]. - Qiushi Spectrum Technology Co., Ltd. has received early-stage support from CITIC Bank, which included a 5 million yuan credit line to facilitate research and development, later increased to 80 million yuan as the company grew [4]. Group 3: Financing Solutions for Automotive Industry - The automotive industry in Changchun faces challenges in financing for small and micro enterprises due to their asset size and lack of traditional collateral [6][7]. - Ping An Bank has introduced a "whitelist scenario loan" scheme that transforms the identity value of core enterprises in the supply chain into financing guarantees, allowing small enterprises to secure loans based on their relationships and order data [8]. Group 4: Agricultural Financing Initiatives - The Bank of China has implemented a green approval channel to expedite loan processing for agricultural enterprises, significantly enhancing their operational capabilities [11]. - Jilin Rural Commercial Bank has developed digital inclusive financial products to support farmers, achieving a loan balance of 208.4 billion yuan for agricultural loans [13]. Group 5: Support for Specialty Industries - Postal Savings Bank has focused on financing for specialty industries in Jilin, providing nearly 15 billion yuan in loans to support local agricultural sectors [14]. - Industrial and Commercial Bank of China has launched various loan products to support grain and important agricultural products, enhancing financial supply for stable production [14].

Core Viewpoint - The article emphasizes the importance of ecological civilization for people's well-being and national future, advocating for a path of ecological priority and green development to achieve a harmonious coexistence between humans and nature [1] Group 1: Ecological Product Value Realization Mechanism - Shanzhou has developed a systematic approach called the "Five Fours" working system to transform ecological product value, focusing on four major attributes: regulation services, material supply, cultural services, and financial services [2] - The city has established a comprehensive framework to address challenges in measuring, realizing, trading, and mortgaging ecological product value, aiming for mutual benefits among ecological quality, enterprise efficiency, collective wealth, and individual income [2] Group 2: Ecological Resource Management - Shanzhou has compiled an ecological product catalog, identifying 275 types of ecological products across 17 categories, and has developed methods for ecological product value accounting and assessment [3][4] - The city has created a visual platform for ecological product value and carbon sink assessment, with the 2023 GEP accounting result reaching 150.55 billion yuan, including 32.28 billion yuan from material supply and 85.38 billion yuan from regulation services [4] Group 3: Development of Ecological Industries - The city promotes specialty agriculture, achieving significant price premiums for various crops, and has introduced advanced aquaculture systems to enhance fish production [5] - Shanzhou is developing a green industrial base that utilizes tailings and promotes the honey health industry, with projected annual outputs of 2.6 billion yuan and 1.5 billion yuan respectively [6] Group 4: Integration of Culture and Tourism - The city has 50 scenic spots rated 3A or above and has been recognized as a national model for forest health tourism, with tourism revenue increasing by 12.17% year-on-year [7] Group 5: Exploration of Ecological Resource Rights Trading - Shanzhou has established an ecological asset management company to facilitate the trading of water rights and forestry carbon sinks, with the first CCER forestry carbon sink project registered [8][9] - The city has developed green financial products to support ecological projects, with 426 enterprises included in the "green list" and loans amounting to 2.32 billion yuan issued to climate-friendly companies [9] Group 6: Legislative and Policy Framework - Shanzhou is working on local legislation to promote the ecological product value realization mechanism, aiming to pass the "Shanzhou Ecological Product Value Promotion Ordinance" by the end of the year [14][15] - The city plans to enhance cooperation with research institutions and participate in high-level discussions to share its successful experiences in ecological product value realization [16]

Core Insights - The article highlights the significant role of Postal Savings Bank in supporting the development of the black fungus industry in various regions of China, particularly in promoting rural revitalization through financial services [1][4]. Group 1: Industry Development - The black fungus industry in Zhashui County, Shaanxi, has transformed from a small-scale operation to a significant industry, with the local cooperative growing from 5 to over 30 members, supported by Postal Savings Bank's financial services [1][2]. - In Dongning, Heilongjiang, the black fungus production accounts for nearly 25% of the national output, with an annual market transaction volume exceeding 60 billion yuan, making it a crucial pillar of the local economy [3][4]. Group 2: Financial Services - Postal Savings Bank has introduced innovative financial products like "Mushroom Loan" to support the local black fungus industry, providing over 98 million yuan in loans to more than 600 farmers and enterprises since 2024 [2][4]. - The bank's comprehensive financial services include credit, settlement, logistics, and e-commerce, which have significantly enhanced the operational capabilities of local enterprises, such as increasing sales from 1 million to over 1.6 million bags for a leading company [2][3]. Group 3: Future Outlook - Postal Savings Bank plans to continue its focused financial support for the black fungus industry, aiming to foster more prosperous rural economies and improve the livelihoods of farmers through targeted financial solutions [4].

Group 1 - The article highlights the integration of meteorological technology with financial services to enhance the profitability of local agricultural products in Shandong Province, particularly in Shizhu County [1] - The establishment of a smart mushroom greenhouse equipped with IoT monitoring systems has enabled farmers to cultivate mushrooms more scientifically, improving yield and quality [2][3] - The local mushroom cooperative received a loan of 1.4 million yuan from Postal Savings Bank, resulting in an annual output value of 4.8 million yuan and a 20% increase in yield due to advanced monitoring and management techniques [3] Group 2 - The article discusses the development of a climate-friendly agricultural industry in Shizhu County, with a focus on creating high-value products through climate brand certification and the introduction of various processed products [4] - Postal Savings Bank has tailored financial services to meet the specific needs of local climate-friendly enterprises, offering specialized loan products such as "Mushroom Loan," "Walnut Loan," and "Tea Loan" to support rural revitalization [4] - As of May, Postal Savings Bank has provided over 80 million yuan in loans to climate-friendly enterprises in Shizhu County, covering various sectors and addressing financing challenges for local businesses [5]

Core Viewpoint - The article highlights the proactive measures taken by financial institutions in Shaanxi Province to support disaster recovery and reconstruction efforts following severe flooding in July 2024, emphasizing the importance of financial assistance in restoring local economies and livelihoods [1][5]. Group 1: Financial Support Initiatives - The People's Bank of China (PBOC) in Shaanxi has guided local branches to implement measures for disaster recovery, including enhancing credit support and simplifying procedures to aid rescue and reconstruction efforts [1][5]. - The Baoji Rural Commercial Bank provided 10 million yuan in loans for facility repairs and green reconstruction in severely affected areas [2]. - The PBOC Baoji branch opened a green channel for flood control, allowing for expedited loan approvals and special credit allocations for disaster recovery at preferential rates [3][5]. Group 2: Specific Financial Products and Loans - The Fengxian Rural Commercial Bank revised its loan management guidelines to reduce financing costs for affected farmers, issuing 13.2 million yuan in loans to key disaster-hit villages [3]. - The PBOC Baoji branch encouraged banks to utilize central bank monetary policy tools to provide low-cost funding, with a total of 404 million yuan in re-loans issued since the disaster [5]. - The Xi'an Bank provided 3 million yuan in loans to a food processing company affected by the floods, enabling it to recover and thrive through online sales [6]. Group 3: Support for Agricultural and Local Industries - The PBOC Shanzhou branch coordinated with 18 banks to develop specialized loan products for key agricultural industries, providing 2 million yuan in loans to a disaster-hit mushroom enterprise [7]. - Financial institutions were instructed to meet funding needs for agricultural infrastructure repair and recovery, with agricultural loan balances reaching 56.884 billion yuan by the end of 2024 [8]. - The Postal Savings Bank provided 400,000 yuan in operating loans to a pig farmer who suffered significant losses due to flooding, demonstrating the critical role of financial support in recovery [7].