中新网四川新闻11月13日电 2000年，蒲江县引入丑柑种植产业，经过二十余年深耕细作，逐步实现从 单一品种引种到全产业链发展的跨越，2015年，蒲江丑柑成功获批国家地理标志保护产品；2020年，蒲 江县荣获"国家柑橘生产标准化示范区"称号。如今，柑橘产业已成为推动当地农业经济发展、促进农民 增收致富的主导产业，蒲江也成为成都市柑橘产业的核心产区。 植。四川中行供图 产品模式方面，"柑橘贷"采用线上线下"双轮驱动"。营业执照注册满一年的种植户可通过线上渠道便捷 申请，未满一年或无法满足线上条件的农户则可通过线下渠道提交申请，大幅缩短审批与放款时间，提 升融资效率。截至目前，"柑橘贷"已累计为近60户种植农户提供信贷支持近2000万元，有效缓解农户生 产投入压力，为地方特色产业发展注入金融"活水"。 然而柑橘种植投入大、周期长，每年3月至11月为持续投入期，农资、农具及人工成本高，收益则需等 到12月丰收季才开始回笼。漫长生产周期让不少种植户面临资金周转压力，制约了产业进一步发展和农 户增收。为解决这一痛点，中国银行蒲江支行(以下简称"中行蒲江支行")深入田间地头，并走访县农业 农村局、农村合作社及规模种植户， ...

Core Viewpoint - The China Bank Yunnan Branch is actively implementing innovative measures to support the local economy, rural revitalization, and public welfare, demonstrating its commitment to national strategies and local government requirements [1] Group 1: Industrial Revitalization - The China Bank Yunnan Branch is providing targeted financial support to the "Three Seven Capital" in Wenshan Prefecture, which produces over 90% of China's traditional Chinese medicine, Sanqi, by offering more than 200 million yuan in inclusive financial credit [2] - The bank has developed tailored credit solutions for Yunnan's key industries, including "Cloud Flower Loan," "Cloud Vegetable Loan," and others, to support highland specialty agricultural products and facilitate their export [3] Group 2: Financial Services for the Public - The bank has implemented a special customer service plan to assist clients in urgent situations, such as activating social security cards for medical expenses, showcasing its customer-centric approach [4] - The bank has established a multi-channel mediation mechanism to resolve financial disputes, significantly increasing the number of disputes resolved compared to the previous year [4] Group 3: Rural Revitalization - Since May 2021, the bank has invested over 2.11 million yuan in poverty alleviation efforts in Menggang Village, focusing on infrastructure, industry development, and community services, leading to a significant increase in local income [6] Group 4: Talent Attraction - The bank launched the "Gathering Talent Card," integrating foreign work permits with financial services, enhancing the experience for foreign talents in Yunnan and supporting the region's goal of becoming a talent hub for South Asia and Southeast Asia [7]

Core Viewpoint - The successful issuance of a loan of 89.52 million yuan by the Industrial and Commercial Bank of China (ICBC) Lijiang Branch is aimed at transforming Lijiang's "beautiful industry" into a "happy industry" that benefits people's livelihoods and drives income growth [1][3]. Group 1: Financial Support for Local Development - The loan of 89.52 million yuan effectively addresses funding bottlenecks in the Lijiang flower industry, facilitating its transition from traditional planting to an integrated ecological model of "planting-processing-tourism" [3]. - The Lijiang Modern Flower Industry Park project is a key initiative for high-quality development, leveraging local climate and natural resources to create a comprehensive agricultural hub [2]. Group 2: Employment and Income Generation - The completion of the flower industry project is expected to create jobs for over 400 local farmers, with an average annual income increase of 50,000 yuan per person [3]. - The project is significant for optimizing the agricultural structure in the region, promoting employment, and enhancing the integration of agriculture and tourism [2]. Group 3: Innovative Financial Products - ICBC Lijiang Branch has introduced various financing products such as "Planting e-loan" to support local agricultural development, with a total of 95 million yuan disbursed to benefit 112 farming households [4]. - The bank aims to continue contributing to the local economy by supporting the development of Lijiang as a world cultural tourism city and a model for rural revitalization [4].

Core Viewpoint - Chengdu Rural Commercial Bank has launched the "Fuxing Loan," a financial product aimed at supporting rural collective economies, marking a significant step in implementing the central government's directives for rural revitalization [1][2]. Group 1: Financial Product Launch - The "Fuxing Loan" is the first financial product in Chengdu focused on rural collective economic development, with an initial loan of 3 million yuan issued to a cooperative in Minjiang Village [1]. - The bank plans to issue a total of 40 million yuan in "Fuxing Loans" throughout the year, aiming to replicate this model across more districts and counties [2]. Group 2: Innovative Financing Mechanism - Chengdu Rural Commercial Bank has developed a risk-sharing mechanism involving government (20%), bank (30%), and guarantee companies (50%), allowing for a potential funding scale increase of up to 10 times [2]. - The introduction of a pledge guarantee based on the income rights of rural collective economic organizations creates a new financing path that emphasizes "light assets and heavy credit" [2]. Group 3: Support for Agricultural Development - The bank has initiated the "Spring Rain Action," a three-month campaign to support spring farming, which has resulted in the issuance of 302 million yuan in agricultural loans to over 300 farmers and new agricultural entities [3]. - Chengdu Rural Commercial Bank has launched specialized products like "Grain e-loan" and "Xingcun Loan" to support various agricultural activities, with agricultural loan balances exceeding 103.4 billion yuan by the end of February [4]. Group 4: Integration of Financial Services with Tourism - The bank is leveraging the "Flower Appreciation Economy" by integrating financial services with cultural tourism, significantly boosting local tourism and related businesses [5]. - Events like the "Send You a Little Yellow Flower" campaign attracted over 10,000 visitors, leading to a 30% increase in sales for local hospitality and agricultural products [5]. Group 5: Future Plans - The bank aims to enhance credit issuance, optimize service models, and innovate financial services for agriculture, ensuring priority processing for spring farming loans [6].