■本报记者 郝飞 在基础设施建设领域，银行业聚焦交通路网、新型城镇化配套等重点项目，量身定制金融服务方案。比 如，建设银行云南镇雄支行累计向宜毕高速、都香高速等区域交通重点项目投放贷款13亿元，同时向成 贵铁路建设项目注入3.17亿元资金。这些金融支持以交通升级缩短了城乡时空距离，为县域经济循环打 通了高效运转的"大动脉"。针对县域新型城镇化进程中的居住需求，该支行为镇雄"以勒陆港新城"重点 房地产项目开通信贷绿色通道，提供3000万元信贷支持，有效助力提升返乡创业人员、小微企业主等群 体的居住水平，为县城人口集聚与功能完善提供了有力支撑。 公共服务均等化是县城城镇化建设的重要民生导向，也是银行业发力的重点领域。比如，农发行山东省 夏津县支行精准对接当地民生需求，获批2.7亿元新型城镇化贷款，专项支持县域养老服务体系建设项 目。该项目创新采用"闲置教育资源养老化改造"模式，选取37所闲置农村小学进行适应性改造，同步推 进养老用房新建、现有养老院升级等工程，累计新增养老床位2150张。这些养老服务设施重点布局在县 城周边及乡镇核心区域，提供价格亲民的普惠型养老服务，涵盖住养、保健、康复等全维度功能，同时 衔接长 ...

Core Viewpoint - Agricultural Bank of Chengdu Branch is actively promoting rural revitalization through innovative financial products and services, addressing the specific needs of local agricultural industries and enhancing the financial ecosystem in rural areas [1][2][3]. Group 1: Customized Financial Solutions - The bank has identified the mismatch between traditional credit models and rural industry needs as a key barrier to development, leading to the creation of tailored financial products [1]. - A specific case involved the introduction of a specialized loan, "Li Zi Dai" (Plum Loan), which provided 2 million yuan to a local association to build rain shelters, significantly improving the quality and market price of their produce [2]. - To date, the bank has disbursed a total of 26 million yuan in "Li Zi Dai," supporting 21 farmers and covering 80% of the core production area in the village [2]. Group 2: Comprehensive Financial Ecosystem - The bank is constructing a financial ecosystem that covers the entire agricultural value chain, facilitating collaboration among various stakeholders [3]. - In the kiwi industry of Pujiang County, the bank launched "Mi Hou Tao Dai" (Kiwi Loan) to address funding challenges across the production and trade sectors, resulting in a significant increase in the scale and quality of production [3]. - By September 2025, the bank had provided 30 million yuan in loans to the kiwi industry, benefiting over 60 clients along the supply chain [3]. Group 3: Innovative Service Models - The bank's team focuses on deeply engaging with rural communities and identifying local needs, exemplified by the support provided to a traditional condiment company that lacked collateral for loans [4]. - The introduction of "Dou Ban Dai" (Douban Sauce Loan) enabled the company to purchase new equipment, leading to a 50% increase in annual output and expanded market reach [4]. Group 4: Community Engagement and Education - The bank is exploring a "bank-government-village" collaboration model to establish a rural credit system, conducting numerous financial literacy events to educate local residents [5]. - As of September 2025, the bank's county-level loan balance exceeded 160 billion yuan, with a 21.4% growth in agricultural loans, reflecting its commitment to rural revitalization [5]. - The bank aims to continue innovating its products and services to provide ongoing support for rural development in the Chengdu area [5].

Group 1 - The article highlights the role of Industrial and Commercial Bank of China (ICBC) in supporting local fruit farmers and enterprises through its "Thousand Enterprises and Ten Thousand Households Visit" initiative, which aims to provide inclusive financial services to boost rural revitalization [1][2] - In Guangdong's Maoming, a modern agricultural company utilizing a "company + orchard + farmer" model received nearly 2 million yuan in loans from ICBC to meet seasonal funding needs for harvesting and transportation of lychees [1] - In Yunnan's Zhaotong, ICBC provided a specialized "Li Zi Loan" to a local farmer facing financial difficulties during the critical management period of his plum orchard, helping him upgrade irrigation facilities and improve planting efficiency [2] Group 2 - In Guizhou's Bijie, ICBC's support through the "Thousand Enterprises and Ten Thousand Households Visit" initiative enabled cherry farmers to overcome challenges related to high costs and lack of collateral, facilitating the expansion of their orchards and enhancing both yield and quality [2]

Core Viewpoint - The article highlights the successful implementation of a specialized loan product, "Li Zi Dai," by the Industrial and Commercial Bank of China (ICBC) in support of local farmers growing the unique "Ban Bian Hong" plums in Suijiang County, contributing to rural revitalization efforts [1][5]. Group 1: Agricultural Development - Suijiang County is recognized as a key national rural revitalization support area, with over 100,000 acres dedicated to the cultivation of "Ban Bian Hong" plums, which have become a significant agricultural industry for local farmers [1]. - The "Ban Bian Hong" plums received geographical indication protection from the Ministry of Agriculture and Rural Affairs in 2019, enhancing their market value and recognition [1]. Group 2: Financial Support Initiatives - ICBC's Suijiang branch has developed a tailored financial service system to support rural revitalization, including the introduction of the "Li Zi Dai" loan product specifically for plum farmers [2][5]. - The "Li Zi Dai" product was designed based on thorough research of local agricultural needs, providing flexible online credit loans with favorable interest rates to reduce financing costs for farmers [5][6]. Group 3: Impact and Results - The "Li Zi Dai" loan enabled a local farmer, Yu Dage, to secure 200,000 yuan within a day, allowing him to pay for labor and upgrade irrigation systems, significantly boosting his confidence in this year's harvest [4][6]. - ICBC has successfully implemented financing solutions for five distinct agricultural products, with a total loan balance exceeding 16 million yuan, marking a nearly 140% increase since the beginning of the year [6]. - The bank has received recognition for its efforts in rural financial services, achieving excellent ratings in assessments of financial institutions' contributions to rural revitalization for two consecutive years [7].