编者按 闽宁协作是习近平总书记亲自开创、亲自部署、亲自推动的重大战略和创新实践。今年是闽宁协作30年，为展现 福建与宁夏从对口帮扶到高质量发展的生动实践和伟大成就，讲述闽宁协作山海深情的动人故事，央视网特设"聚 焦闽宁协作三十年"栏目，探究在闽宁协作中呈现的"超越帮扶、走向融合"的中国式现代化"协作样本"。 贺兰山下，春意初萌，宁夏永宁县闽宁镇产业园内已是生机一片。在广袤的温棚园区里，福红李挂满枝头，芹菜 鲜嫩翠绿，电商直播间里"闽宁巧媳妇"们热情推介着特色农产品……一幅产业兴旺、生态宜居、百姓富足的乡村 振兴画面呈现在我们面前。 闽宁镇是唯一以两省简称命名的小镇，也是中央创建的东西部协作对口扶贫"示范区"。今年是闽宁协作30周年， 三十年来，在闽宁镇从昔日的"干沙滩"蝶变为今日的"金沙滩"的历程中，中国农业银行以金融之力深度融入闽宁 协作大局，持续为产业培育、科技兴农、电商扶贫注入"源头活水"，助力昔日受援地实现从"输血"到"造血"、再 到"反向输出"的历史性跨越。 金融助力科技兴农 在闽宁镇园艺村的温室大棚中，永宁县科技特派员马雅玲的6个试验棚被誉为"品质炼金室"。1994年，她跟随父母 从宁夏西吉县自发 ...

Core Insights - The Bank of China Liaoning Branch has implemented a series of inclusive financial services to support agricultural development in Liaoning Province, achieving a significant increase in agricultural loans [1][2] - The bank's focus on tailored financial products, such as "Grain Loan" and "Peanut Loan," has effectively addressed the financing challenges faced by local farmers and agricultural enterprises [1][2] Group 1: Agricultural Loan Growth - As of September 2023, the agricultural loan balance of the Bank of China Liaoning Branch exceeded 39.5 billion yuan, with an annual increase of approximately 11 billion yuan, marking a historical high with a growth rate of 38.43% [1] - The "Grain Loan" product has a current balance of 3.094 billion yuan, benefiting 2,294 clients and supporting the stable development of Liaoning's grain and oil industry [1] Group 2: Specialized Financial Products - The "Peanut Loan" product, promoted during the local Peanut Festival, has reached a loan balance of 1.178 billion yuan, serving 774 clients and contributing to the development of the local peanut industry [2] - The "Aquaculture Loan" service has provided 168 million yuan in loans to nearly 300 clients in the river crab industry, enhancing financial support for local aquaculture and contributing to community food supply [2] Group 3: Community Engagement and Support - The bank actively engages with local communities by providing on-site financial services and policy promotion during agricultural festivals, ensuring that financial support reaches farmers directly [1][2] - The collaboration with local governments to implement financial support policies demonstrates the bank's commitment to fostering agricultural growth and improving farmers' livelihoods [2]

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].

Core Viewpoint - Jiangmen Rural Commercial Bank celebrates its 7th anniversary, highlighting its commitment to serving the community and supporting high-quality economic development in the Bay Area [2][3]. Financial Performance - As of June 2025, the bank's total assets reached 154.2 billion, with deposits at 112.16 billion and loans at 79.38 billion, marking increases of 52.19%, 48.19%, and 78.72% respectively since its establishment [2]. - The bank maintains the highest market share in the local area for both deposits and loans, consistently meeting regulatory standards [2]. Party and Community Engagement - The bank has implemented a "1+1+3" party-building initiative, conducting 153 joint activities with local organizations, covering 147 villages [5]. - It has provided credit to 274,500 households through its "whole village credit" initiative, with a total credit amount of 33.67 billion [5]. Support for Small and Micro Enterprises - The bank's small and micro enterprise loan balance reached 54.45 billion, benefiting 14,144 businesses [9]. - It has conducted a "thousand enterprises and ten thousand households" outreach program, visiting 22,107 small businesses and issuing over 10.7 billion in credit [9]. Green Finance Initiatives - The bank's green loan balance stood at 1.718 billion, with over 600 million in green bonds issued [10]. - It supports key energy projects with a loan balance of 192 million and has financed 320 million for ecological restoration projects [10]. Agricultural and Rural Development - The bank's agricultural loan balance exceeded 17.5 billion, with specialized loans for various agricultural products totaling over 3.1 billion [13]. - It has supported 12 rural revitalization projects with loans exceeding 435 million [13]. Technological Transformation - The bank has adopted advanced technologies such as cloud computing and AI, signing 8,700 contracts with a loan balance of 1.992 billion, ranking first in the province [17]. - It has achieved a 94.39% coverage rate for electronic and intelligent business operations, significantly improving customer service efficiency [17]. Recognition and Awards - The bank has been recognized as one of the "Top 100 Global Banks" for seven consecutive years and has received multiple awards for its high-quality development and retail strategy [5].