Group 1 - The core viewpoint of the articles highlights the transformation in rural credit access facilitated by the integration of digital financial infrastructure and data sharing among government departments, significantly improving loan approval processes for farmers [1][2][3] - Jiangxi Province's Ganzhou City, known for its large citrus production, has implemented a rural credit information verification platform that aggregates agricultural data from various sectors, enhancing credit evaluation for rural operators [2] - The platform has led to a reduction in loan approval procedures by 2 to 3 steps, increasing efficiency by approximately one-third, and has expanded the coverage of credit services to previously underserved rural operators [2] Group 2 - By April 2025, the platform had aggregated 14.75 million pieces of agricultural data, covering various aspects of rural operations, which has been crucial for financial institutions in assessing creditworthiness [2] - The platform has supported the issuance of 20,600 loans amounting to 1.868 billion yuan, demonstrating its effectiveness in facilitating access to credit for rural businesses [2] - The integration of agricultural data into credit products has accelerated the digital transformation of financial institutions, allowing for more precise identification of customer groups and tailored financial solutions [3]

Core Insights - Dalian Xusheng Aquatic Products Co., Ltd. is actively involved in the sea cucumber farming industry, receiving financial support from Postal Savings Bank of China to stabilize operations amid declining prices [1][2] - The total industrial output value of Dalian's sea cucumber industry exceeds 30 billion yuan, indicating a strong market demand for financing [1][2] - Postal Savings Bank has developed a comprehensive financial service system that connects core enterprises with farmers, enhancing support for the sea cucumber industry [1][2][3] Financial Innovations - Postal Savings Bank has introduced differentiated financial solutions, including credit and agricultural guarantee loans for farmers recommended by core enterprises, and credit or pledge loans for downstream processing and sales [2][3] - A financial support service station for sea cucumber farmers was established in collaboration with Xusheng Aquatic Products during the Dalian Sea Cucumber Harvest Festival, further extending financial services to the grassroots level [2] - The bank has launched a salted sea cucumber pledge loan product, allowing for a more flexible financing approach that addresses the unique challenges of the sea cucumber industry [3] Market Challenges - The sea cucumber industry faces significant funding gaps due to the long cultivation period and high costs associated with seedling production, as well as the mismatch between harvesting and sales periods [2] - Traditional real estate mortgage financing methods are inadequate for meeting the specific needs of sea cucumber industry clients [2][3] Product Diversity - Postal Savings Bank offers a variety of financial products, including "Express Loans" for small-scale farmers to meet their funding needs for purchasing seedlings, ensuring that all types of farmers receive appropriate financial services [3]

Core Viewpoint - Postal Savings Bank of China Jiangxi Ji'an Branch is actively supporting rural elderly meal services through specialized loans, addressing the "dining difficulties" faced by elderly individuals in rural areas [1][2]. Group 1: Financial Support Initiatives - The bank has provided targeted loan support to operators of elderly meal service points, facilitating the development of local elderly care services [1]. - Loan products such as "Express Loan," "Industry Loan," and "Entrepreneur Guarantee Subsidy Loan" have been optimized for the unique operational needs of elderly meal service points, ensuring efficient approval processes and flexible loan amounts [1][2]. - A total of over 37 million yuan has been disbursed to 119 meal service points, demonstrating the bank's commitment to enhancing rural elderly care [2]. Group 2: Impact on Local Communities - The financial support has enabled operators to improve facilities, such as standardizing kitchen renovations and purchasing essential equipment like disinfection cabinets and refrigerators [1][2]. - Enhanced meal service environments have led to better food quality and safety for the elderly, contributing to their overall well-being [2]. - The bank's initiatives reflect a broader commitment to integrating inclusive finance with rural revitalization and elderly care service system development [2].

本报记者郑长灵 在赣南广袤的田野上，邮储银行江西赣州市分行以金融之力，为乡村振兴注入源源不断的金融动力，描 绘一幅"产业兴、百姓富"的崭新画卷。 李金桥对记者说："邮储银行送'贷'上门，让我们在家门口致富不再是梦。" 从脐橙园到熏鸡作坊，邮储银行赣州市分行的金融活水精准浇灌赣南大地。近年来，该分行通过"政银 企合作""农村信用村建设"等创新举措，不仅解决了农户资金短缺的难题，更为特色产业发展提供了有 力支持。截至目前，该分行累计向赣南特色产业投放贷款近200亿元，惠及客户超11万人次。 此前，李德富因资金短缺无法扩大种植规模，邮储银行赣州市分行辖内信丰县支行"春耕服务队"为他送 来40万元"极速贷"，让果园重焕生机。 赣南脐橙作为当地农业的"当家树"，承载着百万农民的致富梦。邮储银行赣州市分行组建专业服务团 队，深入田间地头，为果农量身定制金融服务方案，从橙苗培育到精深加工，全方位支持产业发展。 截至目前，该分行已累计向赣南脐橙产业投放贷款近8万笔、金额超130亿元，助力产业年产值突破230 亿元，带动上百万农村劳动力就业。 金融助力百姓富 赣州市全南县大吉山镇的李金桥是当地知名的熏鸡制作人，他的"吉山金源" ...

作为乡村振兴的重要金融支持力量，邮储银行北京分行深度参与此次活动，通过创新金融服务、深化政企银协同、整合优势资源等举措，为延庆农文旅高质 量创新发展注入了金融动能。 转自：新华财经 6月21日，时值夏至，在延庆区农业农村局、区文化和旅游局、区商务局和共青团北京市延庆区委员会等单位的指导下，延庆区刘斌堡乡携手邮储银行北京 分行，在姚官岭村启动了第三届姚官岭共生社区消夏避暑季暨邮储银行北京分行"美丽延庆 畅YOU系列"活动。此次活动从6月21日起持续到10月8日，为北 京市民提供了丰富的消夏畅游、美食打卡、非遗手作等多元场景，全方位激活夏季消费场景，为市民打造充满活力的夏日体验。 政银企三方协同，实现政府政策高效落地、企业获得低成本资金、金融机构强化服务，形成"产业升级-金融赋能-区域增长" 的良性循环，有力支撑区域经济 发展。 整合资源创新模式，共绘乡村振兴新图景 在乡村振兴战略深入推进过程中，单一金融服务已难以满足农文旅融合发展的多元需求。为整合乡村资源、提升品牌影响力，邮储银行北京分行在提供精准 金融服务的同时，着力搭建资源共享、模式共建平台，通过金融属性串联各方优势，提升乡村文旅品牌影响力。 金融服务精准 ...

新华社南昌6月11日电（记者姚子云）眼下正值庐山云雾茶树病虫害防治与追肥关键期，茶农欧阳怀恩 忙着穿梭茶园，查苗情、治虫害、施精肥，悉心管护为茶叶丰收筑牢根基。 "以前的老产线制茶品质不稳定，导致市场竞争力不足。今年年初，企业准备升级炒茶、包装设备，但 却缺乏资金。"江西九江忆恋茶业综合开发有限公司负责人欧阳怀恩说，正发愁之际，邮储银行江西庐 山市支行到企业开展实地调查，帮助他们办理了"产业贷"，100万元贷款资金5天到账，解了企业燃眉之 急。 为支持茶产业链发展，邮储银行江西省分行结合地方发展实际，构建多层次、广覆盖、差异化的金融服 务体系，助力茶叶兴、茶农富、茶园美。围绕江西省政府重点布局的稻米、油料、果蔬、畜牧、水产多 个千亿级主导产业链以及茶叶、中药材两个百亿级特色产业链，邮储银行江西省分行全面推出"一产业 一方案"定制化金融服务，以多元化金融服务助力江西特色产业集群发展壮大。 为赋能产业发展，近年来，邮储银行江西省分行还运用金融科技手段，打造"线下+线上"的农村金融服 务渠道体系：线下在县域及乡村布局"普惠金融服务站"，配备智能终端设备，让农户"足不出村"即可办 理基础金融业务；线上推出"极速贷"等 ...

长期以来，农户及个体工商户面临着"融资难、触达难"的困境。为打破这一局面，邮储银行百色市分行 积极探索科技赋能金融服务新路径，深度应用行内"数字三农"平台，让信贷服务实现精准直达。该平台 借助大数据技术，整合农户及商户的经营信息、贷款记录等多维度数据，为客户生成精准画像。系统自 动筛选出有融资潜力的客户后，客户经理可利用"一键电话""一键导航"功能主动联系客户，并结合"营 销地图"开展上门服务。 在实际服务过程中，科技赋能的优势尽显。例如，当客户到网点办理业务时，系统会通过专业评估体 系，综合考虑客户各方面情况，若符合条件便会提示"主动授信"。网点工作人员收到提示后，会针对性 地向客户推荐"极速贷"产品。客户只需在线上提交申请，短短几分钟内就能完成审批流程，便捷高效的 服务让金融支持实实在在地落到消费者手中。 本报记者 李美丽 通讯员 韦春辉 黄小崧 "以前贷款要跑银行、填资料，没想到现在一个电话就解决了！"说起这次贷款经历，经营林业综合开发 的周先生连连称赞。近日，邮储银行广西百色市分行辖内凌云县支行通过"数字三农"平台的"一键电 话"服务，从一个电话开始、短短3天就为周先生快速发放130万元贷款，及时解决 ...

转机发生在邮储银行泰和县支行开展的"金融服务乡村行"专项活动中，该行客户经理在走访调研时得知 康小梅的难题，迅速启动极速贷办理流程。该行工作人员结合康小梅多年的种植经验和良好的信用记 录，仅用一周时间，就为康小梅发放了350万元极速贷抵押贷款，有效解决了资金难题。 资金到账后，康小梅迅速开启柑橘园升级之路。在邮储银行的专业建议下，她不仅购入了大量爱媛46号 优质果苗，还安装了智能滴灌系统。"现在灌溉按个开关就好了，效率提高了一大截，新种的果苗预计 后年就能挂果。"康小梅蹲在育苗区，看着排列整齐的营养钵里冒出的新芽，语气里满是期待。 "康小梅的种植故事，是我们支行支持特色种植业、赋能乡村振兴的一个典型。"邮储银行泰和县支行负 责人接受记者采访时表示，今年以来，该支行已累计发放涉农极速贷12.6亿元，为众多像康小梅这样的 农户送去金融"及时雨"。 （通讯员邓惠萍对本文亦有贡献） 本报记者 郑长灵 梅雨时节，踏入江西省泰和县樟塘镇的爱媛46号柑橘种植基地，240亩果园生机盎然，嫩绿的枝叶间挂 满毛茸茸的小果，一场细雨过后，空气里弥漫着清新的草木香。种植大户康小梅戴着草帽穿梭在田垄 间，仔细查看果树抽梢情况，他对《农 ...

Core Insights - The article highlights the positive impact of Postal Savings Bank's financial support on local farmers, particularly in the case of a peach grower who received a loan to expand his business [1][2] - The bank has been actively promoting loan products tailored for agricultural needs, facilitating easier access to funds for farmers [2] Group 1: Financial Support - The peach grower, Li Xiaoqiang, received a loan of 700,000 yuan from Postal Savings Bank, which helped him address his funding gap for expanding his peach cultivation [1] - The bank's local branch has been focusing on the agricultural sector, promoting products like "Express Loan" and "Industry Loan" that allow farmers to apply for loans via mobile scanning [2] Group 2: Agricultural Development - The bank has established a "government + bank" platform to enhance cooperation between government, banks, and enterprises, aimed at resolving the loan difficulties faced by farmers [2] - As of the end of April this year, the bank's local branch has disbursed over 300 million yuan in personal loans, indicating a strong commitment to supporting the agricultural community [2]

Core Viewpoint - Postal Savings Bank of China (PSBC) is actively supporting rural revitalization in Jiangxi province by providing financial assistance to new farmers, enabling them to adopt modern agricultural practices and improve productivity [1][2]. Group 1: Financial Support for Farmers - PSBC's Ganzhou branch has been instrumental in providing loans to farmers, such as a 500,000 yuan "industry loan" to a navel orange grower, facilitating the purchase of modern farming equipment like drones for fertilization [1]. - The bank's financial support has allowed farmers to enhance their production efficiency and secure better harvests, as evidenced by the positive feedback from the navel orange grower who successfully acquired necessary equipment [1]. Group 2: Expansion of Agricultural Ventures - A mushroom farmer in Xinfeng County received a 200,000 yuan loan through PSBC's "Fresh Taste" service, which enabled her to expand her mushroom cultivation from 200 square meters to 800 square meters, significantly increasing her production capacity [2]. - The modernized mushroom farm is expected to yield 20 tons annually, with projected profits exceeding 300,000 yuan, showcasing the impact of timely financial support on agricultural business growth [2]. Group 3: Commitment to Rural Development - PSBC has prioritized services for agriculture, rural areas, and small to medium enterprises, with a focus on rural revitalization efforts in the region [2]. - As of April 2023, PSBC's Ganzhou branch has issued over 97.4 billion yuan in small loans supporting agriculture, benefiting approximately 516,000 clients, highlighting the bank's significant role in local economic development [2].