从广袤粮田到特色果园，从花生地到蟹田，中行辽宁省分行正以持续的金融创新和精准的服务对接，将 金融活水引入乡村的每一个角落。 金秋辽沈，稻浪翻滚、瓜果飘香，广袤的田野间处处洋溢着丰收的喜悦。 在被誉为"花生之乡"的锦州义县，中行锦州分行借助当地举办花生节的契机，大力推广"花生贷"专属产 品。该产品可为花生种植、加工、销售等产业链各环节的经营主体提供高效、便捷的信贷支持，点亮了 无数农户的致富梦想。截至目前，"花生贷"投放余额达11.78亿元，服务客户774户，成为推动当地特色 优势产业发展、促进农民增收的重要金融力量。 近年来，中行辽宁省分行坚决贯彻落实国家关于金融支持"三农"发展的决策部署，紧密围绕辽宁省委、 省政府工作要求，积极借鉴"千万工程"宝贵经验，立足区域特色，推出一系列精准务实的普惠金融服务 方案。截至今年9月末，该行涉农贷款余额已突破395亿元，当年新增约110亿元，创历史同期新高，增 速高达38.43%，为辽宁农业农村现代化注入了强劲的金融动力。 盘锦河蟹，美名远扬。在盘山县胡家镇的丰收节活动现场，蟹王争霸赛引人注目。中行盘锦分行积极与 地方政府协作，通过"水产贷"服务方案以及协助落实养殖贴息政 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Henan Branch is committed to optimizing its financial supply system and providing precise services to support the high-quality economic development of Henan Province, focusing on five major areas of development. Group 1: Technology Finance - ICBC Henan Branch prioritizes technology finance as a key initiative for modernizing Henan, aiming to create a comprehensive financial service system for enterprises throughout their lifecycle. As of September 2025, the loan balance for technology enterprises reached 95.84 billion yuan, a net increase of 30.27 billion yuan, representing a significant growth of 46.2% [2] - The branch has implemented a centralized management mechanism for technology finance and optimized the layout of technology-focused branches, enhancing financial service capabilities for technology enterprises [2] Group 2: Green Finance - The bank actively promotes green finance in line with national strategies for ecological protection and high-quality development, achieving a green loan scale of 185.8 billion yuan as of September 2025, with a net increase of 38.3 billion yuan [3] - Nearly half of the new loans issued were green loans, demonstrating the bank's commitment to supporting low-carbon transformation in Henan [3] Group 3: Inclusive Finance - ICBC Henan Branch has achieved a balance of inclusive loans of 139.78 billion yuan as of September 2025, with a net increase of 39.955 billion yuan, marking a year-on-year growth of 70.1% [8] - The bank has introduced various tailored financing products to meet regional industry needs and has expanded its inclusive finance services to nearly 680 outlets [8] Group 4: Pension Finance - The bank has established a pension finance service system, with 1.56 million personal pension accounts opened and a loan balance for the pension industry of 7.058 million yuan as of September 2025 [9] - ICBC Henan Branch has enhanced service capabilities at 255 social security service points and launched various pension-related financing products [9][10] Group 5: Digital Finance - The bank is advancing its "Digital ICBC" initiative, with a loan balance for core digital economy industries of 15.04 billion yuan as of August 2025, and an increase of 5.56 billion yuan [11] - ICBC Henan Branch has developed 100 innovative projects, with 64 already in production, and is actively promoting AI applications to enhance service efficiency [11]

Core Insights - The article discusses the challenges faced by farmers in obtaining loans due to a lack of effective collateral and highlights various innovative solutions being implemented across different regions in China to address these financing difficulties [1][10][23]. Group 1: Innovations in Rural Financing - In Zhejiang, the application of big data technology has enabled the establishment of financial profiles for farmers, creating a loan whitelist that alleviates the financing difficulties caused by insufficient collateral [1][5][9]. - By the end of July, Zhejiang Rural Commercial Bank had achieved full coverage of eligible farmers for credit, benefiting 9.568 million households with a total credit amount of 1.44 trillion yuan, with credit loans accounting for 68% of the total [9][30]. - In Hunan, financial institutions have adopted a "whole village credit" model, which has supported 377 villages and 6,317 farmers with a total credit amount of 1.61 billion yuan [16][18]. Group 2: Credit Assessment and Loan Products - In Hubei, a pilot program has been initiated to evaluate the credit value of farmers and rural assets, allowing individual farmers to receive credit limits of up to 1 million yuan based on their credit ratings [18][20]. - The introduction of specialized credit loan products such as "pig loans," "aquaculture loans," and "pepper loans" has been developed to meet the needs of agricultural producers [14][20]. - The national agricultural credit guarantee alliance has been established to help farmers and agricultural cooperatives overcome financing challenges, with over 4.8 million farmers receiving guarantees and financing exceeding 1.76 trillion yuan [29][30]. Group 3: Shift Towards Credit-Based Financing - The Financial Regulatory Administration reported that as of July, credit loans accounted for over 50% of the total balance of operating loans for farmers, indicating a significant shift from reliance on collateral to credit value [30][34]. - The number of new agricultural entities receiving loans has increased by 10.18% since the beginning of the year, with regions like Fujian and Shanxi showing loan approval rates exceeding 70% [32][34]. - The recent implementation of the "Implementation Plan for High-Quality Development of Inclusive Finance in the Banking and Insurance Industries" emphasizes increasing credit loan issuance to farmers and new agricultural entities [36].

七载铸魂之道，每一步都凝心聚力 2025年8月8日，江门农商银行迎来成立7周年纪念日。七年来，该行始终秉持金融为民的赤子初心，在 湾区经济高质量发展前路上筑梦同行、展现强担当、大作为。 截至2025年6月末，江门农商银行资产总额、存款余额、贷款余额分别为1542亿元、1121.62亿元、 793.81亿元，较开业时分别增长52.19%、48.19%、78.72%，人民币存贷款在市辖区占有率持续稳居市辖 区首位，各项主要监管指标持续达标。 一直以来，江门农商银行实施"1+1+3"党建共建工程，推动党建与业务深度融合，截至6月末，全行年 内党支部与结对党组织开展共建活动153次，覆盖147条村（居）；党员干部带头开展服务下沉，"整村 授信"户数27.45万户，授信金额达336.67亿元，全面构建"村村通政务+户户通金融"格局；依托党委支持 积极开展政银合作，圆满完成与市政府的五年战略合作框架协议，支持省和市级重点项目107个，贷款 余额超84亿元，将党的政治优势、组织优势转化为服务效能。 自2018年合并组建"千亿级地方银行"以来，该行秉持"守正・奋斗"文化主旨，将文化软实力锻造为驱动 发展的硬支撑，市场占比排名 ...