中国要强，农业必须强。粮仓稳，产业兴，农业更加高质高效。近年来，邮储银行南京市分行进一步加大投入支持力 度，牢牢把住粮食安全主动权，同时向开发农业多种功能、挖掘乡村多元价值要效益，不断提高农业综合生产能力，乡 村产业步入高质量发展快车道。 金融助力购农机 农田秋收效率升 天高云淡，金秋送爽。南京溧水石臼湖畔，几千亩稻田一眼望去，一片金灿灿的丰收景象；农舍里炊烟袅袅，烟火气升 腾，一派欣欣向荣的景象。农业与金融的结合，推动了农村全面进步、农业全面发展，一个个生动场面汇成全面推进乡 村振兴的壮阔画卷。 在溧水区沙塘庵粮食加工区，南京晶健米业有限公司的智能化烘干机正满负荷运转。"今年秋粮丰收，多亏邮储银行的 300万元'产业贷'，让我们敢收粮、收好粮。"企业负责人沈爱保算了一笔账：这笔一周内到账的资金不仅使收购量提升 2000多吨，还支撑企业新增烘干设备，生产效率提高30%以上，吸引了安徽、江西等地农户专程来此送粮。这一高效服 务得益于邮储银行南京市分行的产品创新突破。 众所周知，秋粮收购资金需求具有"短、频、急、快"的特点，必须主动靠前才能精准对接。自今年7月起，邮储银行南京 市溧水支行便未雨绸缪，精准对接，下好 ...

Core Viewpoint - Postal Savings Bank of China (PSBC) in Luliang has effectively supported local economic development by focusing on the "three rural issues," small and medium enterprises, and community services through diversified products and efficient services [1] Group 1: Financial Support for Local Industries - PSBC Luliang Branch has invested over 400 million yuan in the red date industry, serving 340 clients, with a loan balance of 57.22 million yuan as of October [2] - In the liquor industry of Fen Yang, PSBC has established a specialized credit service mechanism for over 400 e-commerce and liquor businesses, disbursing 10.2 million yuan in loans [2] - The bank has provided over 5 billion yuan in loans to various local industries, serving 12,000 business entities by the end of October [2] Group 2: Comprehensive Financial Service System - PSBC Luliang Branch has developed a comprehensive financial service system that includes industry research, product innovation, precise matching, and efficiency enhancement to align financial services with industry development [3] - The bank has formed a specialized service team led by the branch president to conduct in-depth visits to industry parks, enterprises, and farms across Luliang, creating a detailed service ledger for each industry [3] Group 3: Product Innovation and Service Efficiency - The bank has created a diverse credit product matrix tailored to the entire lifecycle of industries, including products like "Express Loan" and "Business Loan" for small businesses, which require no collateral and offer quick approval [4] - For long-term funding needs, PSBC has optimized products like "Industry Chain Loans" and "Fixed Asset Loans," providing flexible repayment options and preferential interest rates [4] - The bank has streamlined its approval process for specialty industry loans, ensuring completion from application to approval within 8 working days, and promoting online applications and door-to-door services [4]

时光荏苒，岁物丰成。从"十四五"开局之年的谋篇布局，到收官之年的硕果盈枝，中国邮政储蓄银行天 津分行（以下简称"邮储银行天津分行"）走过了一段极不平凡的五年。这五年，是外部环境风高浪急、 经济金融形势复杂深刻的五年，也是邮储银行天津分行直面挑战、勇毅前行，在高质量发展道路上实现 战略性转变、历史性跨越的五年。 战略升维：从"破冰启航"到"内涵深化" 五年来，在集团公司党组和总行党委的坚强领导下，在天津市委、市政府，金融监管部门的大力指导 下，邮储银行天津分行始终以"一张蓝图绘到底"的战略定力，成功穿越周期，实现了从"破局立 新"到"深化超越"的华丽蜕变，交出了一份成色足、亮点多、韧性强的时代答卷。 思想是行动的先导，战略是奋进的"蓝图"。回顾五年征程，邮储银行天津分行的战略演进清晰可见，每 一步都踏在了时代发展与自我革新的节拍上。 回顾"十四五"的开局之年，邮储银行天津分行面临的是前所未有的挑战：经济下行压力加大，抗击疫情 刻不容缓，行业竞争日趋激烈，传统发展模式难以为继。在这个关键时刻，邮储银行天津分行开启了一 场深刻的自我革命。 2023年，邮储银行天津分行新一届领导班子在深入调研和全面对标的基础上，创造 ...

针对香梨产业"种植周期长、收购资金大、仓储周转快"的特点，邮储银行新疆分行创新推出"种植 贷""收购贷""仓储贷"等系列产品，建立"合作社+农户+银行"服务模式。"我们组建专项团队深入梨园， 根据客户在产业链中的定位制定专属融资方案，种植户可享最长3年授信，收购企业可申请循环额度， 最快实现当日放款。"邮储银行新疆分行三农金融事业部负责人介绍说，目前系列产品已覆盖种植户、 收购商、仓储企业等主体500余户。 据悉，从2018年开始，库尔勒香梨品牌价值连续6年稳居中国梨类第一。目前，库尔勒市香梨种植面积 达41.2万亩，结果面积超35万亩，今年预计产量超30万吨。通过金融支持与产业升级双轮驱动，当地加 强高标准示范园建设，建立绿色认证基地20万亩，香梨商品果率提升至80%以上，带动农户增收致富。 天山的雪水滋养果实，沙漠的温差凝聚糖分，金融的活水则让产业循环更顺畅。近年来，库尔勒市通 过"政府搭台+金融支撑+企业带动"模式，推动香梨产业向"标准化种植、品牌化销售、深加工延伸"转 型。邮储银行新疆分行的介入不仅解决了融资难、融资慢、融资贵问题，还通过"信贷+知识"服务，为 农户提供种植技术培训、市场行情分析，助力 ...

Core Viewpoint - The article highlights the collaborative efforts between government and financial institutions to support the development of the seedless yellow skin fruit industry in Guangdong's Yunan County, emphasizing the importance of financial innovation and tailored services to boost this agricultural sector [1][5]. Group 1: Government and Financial Collaboration - The People's Bank of China in Yunfu has initiated a framework for cooperation between government and banks to channel financial resources towards the seedless yellow skin fruit industry, providing targeted support to key enterprises and agricultural parks [2]. - Postal Savings Bank of China in Yunfu signed a strategic cooperation agreement with the Yunan County government to create a comprehensive financial service list covering the entire industry chain from planting to processing [2]. - Agricultural Bank of China in Yunfu has innovated a "Party Building + Financial Services + Grassroots" model, establishing rural revitalization financial service stations to improve the rural credit environment [2]. Group 2: Financial Support and Loan Distribution - As of September 2025, financial institutions in the Yunfu area have issued loans totaling 192 million yuan to 86 operating entities in the seedless yellow skin fruit industry, marking a 265% year-on-year increase [2]. - Industrial and Commercial Bank of China in Yunfu has implemented a financing service mechanism that connects banks, parks, and enterprises, facilitating quick loan approvals for companies facing liquidity shortages [3]. - Yunfu Rural Commercial Bank has explored a cooperative development model that links leading agricultural enterprises with cooperatives and farmers, providing 23.11 million yuan in loans to 33 farmers through three leading processing enterprises [3]. Group 3: Tailored Financial Products - The People's Bank of China in Yunfu has guided local banks to develop 11 financial products specifically designed for the seedless yellow skin fruit industry, addressing diverse financing needs [4]. - Postal Savings Bank of China in Yunfu has customized credit financing solutions for farmers, such as the "Agricultural Guarantee Loan," which does not require traditional collateral [4]. - Industrial and Commercial Bank of China in Yunfu has introduced products like "Yue Nong e-loan" and "Planting e-loan" to meet the working capital needs of farmers, while Agricultural Bank of China has launched loans to support production capacity expansion for processing enterprises [4].

Core Insights - The Postal Savings Bank of China (PSBC) in Ganzhou, Jiangxi, has significantly increased its support for small and micro enterprises through innovative financial products and services, resulting in a total loan issuance exceeding 210 billion yuan as of September 2023 [1][2]. Group 1: Financial Support and Loan Issuance - As of September 2023, PSBC's Ganzhou branch has issued over 210 billion yuan in loans, with a loan balance of 42.1 billion yuan, and a remaining balance of over 12.5 billion yuan in loans for small and micro enterprises [1]. - The branch has provided loans to over 1,500 enterprises, with a total of more than 21 billion yuan in loans for small and medium-sized enterprises [2]. Group 2: Tailored Financial Services - PSBC's Ganzhou branch employs a customized service approach, exemplified by the case of a hardware company that received a 1.94 million yuan loan through a tailored credit plan [2]. - The bank has established a professional financial team to conduct regular visits to enterprises, enhancing service channels and expediting loan approvals [2]. Group 3: Policy Collaboration and Market Enhancement - The bank has leveraged national consumer loan interest subsidy policies to support various sectors, including home decoration and automotive, resulting in over 5.1 billion yuan in "Industry Loans" benefiting more than 1,800 small enterprises [3]. - The dual empowerment of credit and policy has contributed to the upgrading of the consumer market [3]. Group 4: Community Engagement and Local Business Support - PSBC's Ganzhou branch actively engages with local businesses, such as a food shop that received a 100,000 yuan loan to improve its operations and customer experience [4]. - The bank promotes various loan products tailored to different business types, ensuring that local entrepreneurs receive the necessary financial support [4].

Core Insights - The article highlights the successful harvest of 412,000 acres of fragrant pears in Korla City, Xinjiang, and the role of Postal Savings Bank in providing financial support to the pear industry [1][2] - The bank has issued over 200 million yuan in loans to support the transportation of 300,000 tons of pears from farms to consumers [1] Group 1: Financial Support and Impact - Postal Savings Bank's "Golden Pear Enrichment" initiative has led to the issuance of over 200 million yuan in loans for the fragrant pear industry this year [1] - The bank's "Express Loan" provided 3.5 million yuan to a cold storage facility, enabling quick access to funds for purchasing pears [1] - The bank has developed a series of financial products tailored to the pear industry, including "Planting Loans," "Acquisition Loans," and "Storage Loans," benefiting over 500 production and operation entities [1] Group 2: Industry Transformation and Support - Korla City is transforming its pear industry through a model of "government support + financial backing + enterprise promotion," focusing on standardized planting, brand sales, and deep processing [2] - The bank addresses challenges in financing for the pear industry, providing not only financial solutions but also training in planting techniques and market analysis to enhance industry quality and efficiency [2]

Core Insights - The "Honghu lotus root" brand has gained recognition, with the industry achieving a comprehensive output value of 9 billion yuan in 2024, supported by 220,000 acres of cultivation and an annual production of nearly 300,000 tons [1] - Postal Savings Bank of China is actively supporting the Honghu lotus root industry through various financial products, enhancing the entire industry chain from production to e-commerce [1] Group 1: Industry Overview - The lotus root industry in Honghu City has a long-standing cultivation area of 220,000 acres and an annual output of nearly 300,000 tons, with a projected comprehensive output value of 9 billion yuan in 2024 [1] - The "Honghu lotus root" has been recognized as a national geographical indication product and included in the Ministry of Agriculture and Rural Affairs' premium agricultural brand cultivation plan [1] Group 2: Financial Support and Impact - The "Industry Loan" program has significantly aided local entrepreneurs like Hong Xiaojun, who expanded his lotus root farming from 400 acres to 10,000 acres, achieving an annual output value exceeding 100 million yuan [2] - The "Speedy Loan" product has enabled businesses like Hong Bin Lotus Industry to modernize their production lines, increasing efficiency and revenue, with a notable example being a 36 million yuan loan that facilitated the activation of an intelligent sorting line [3] - The "Innovation Credit Loan" has empowered companies like Hubei Huagui Food Co. to undergo digital transformation, with an 8 million yuan loan facilitating the integration of IoT monitoring, blockchain traceability, and big data analytics across the entire industry chain [4] - As of August 2025, Postal Savings Bank has disbursed a total of 783 million yuan in loans to the lotus root industry, demonstrating a commitment to supporting the sector's growth through tailored financial services [4]

Core Insights - The article emphasizes the role of county-level economies as fundamental units of the national economy, highlighting the importance of financial support in revitalizing these economies [1] Group 1: Financial Mechanisms and Support - The People's Bank of China (PBOC) in Putian has established a "door-to-door" policy guidance mechanism to tailor financial solutions for local enterprises, enhancing service efficiency [2] - A financial work committee has been formed to ensure smooth policy transmission and support for county-level financial management [3] - The PBOC has introduced innovative loan products to support local industries, such as "Craftsman Loans" and "Ability Loans," to meet the financing needs of the handicraft industry [4] Group 2: Credit and Loan Growth - As of the end of August, the balance of loans for technical transformation projects in the county reached 822 million yuan, with a significant increase in loan issuance efficiency [2] - The balance of loans for agricultural support in Xianyou County reached 1.753 billion yuan, marking a year-on-year growth of 42.62% [3] - The total loan balance for key county-level industrial chains reached 19.357 billion yuan, with 2,366 enterprises benefiting from these loans [4] Group 3: Financial Services for Rural Areas - The PBOC has promoted a "Supply and Marketing + Finance" service model to assist village-level supply cooperatives in obtaining credit, facilitating financial access for small-scale operations [6] - By the end of July, 107 financial credit villages and 8 credit towns were established, benefiting over 12,534 clients with a total loan issuance of 3.17 billion yuan [6] Group 4: Technological Empowerment - Financial institutions are leveraging big data and AI to innovate financial products and services, enhancing accessibility for various market entities [7] - The PBOC has guided banks to utilize national platforms for credit information sharing, resulting in 55 loans amounting to 97.51 million yuan for local enterprises [8]

Core Insights - The article highlights the successful harvest of selenium-rich grapes at Yanfan Family Farm in Langfang, Hebei Province, showcasing the farm's growth and the positive impact of financial support from Postal Savings Bank [1][2] Group 1: Agricultural Development - Yanfan Family Farm has cultivated over 145 acres of selenium-rich grapes, achieving an annual production of more than 90 tons and generating sales revenue of 6.8 million yuan [2] - The farm has expanded its influence by encouraging local villagers to plant grapes, resulting in an additional 5,000 acres cultivated by over 1,000 households, with an average annual income increase of over 12,000 yuan per household [2] Group 2: Financial Support - The farm faced financial challenges during its transformation, requiring significant investment to upgrade to more stable steel frame greenhouses and introduce better grape varieties [2] - Postal Savings Bank's Langfang branch provided a timely loan of 400,000 yuan, which helped the farm overcome its funding gap and successfully implement its renovation and varietal improvement plans [2]