眼下，全国秋冬种已接近尾声，但农民对资金的需求依旧旺盛。记者从多地金融监管部门了解到，今年以来，各地金融机构持续加大对"三农"的资金支持， 并通过更加全面的保险保障助力农民增收。 在湖南郴州，种植大户王庭武在晚稻收割之后，把其中的三百亩地改种了蔬菜，以增加合作社的收入。这两天，他的蔬菜大棚迎来了入冬后首次采收。 郴州市北湖区种植大户 王庭武：我们现在的销售渠道是以粤港澳为基础，我们今天采收的菜，明天中午就可以到粤港澳大湾区的饭桌上。 责编：李磊、侯兴川 截至10月末，广东金融监管局辖内粮食重点领域贷款余额1225亿元，较年初增长15.7%；重庆粮食安全领域贷款余额414.92亿元，同比增长36.63%。四川粮 食重点领域贷款余额3277.71亿元，较年初增长37.12%。 此外，各地还加大了保险对农业生产和农民增收的保障力度。重庆将三大主粮保险保障金额提升到1100元/亩，财政补贴比例最高85%，今年秋粮主产区政 策性农业保险覆盖率达100%；甘肃金融监管局要求保险机构将阴雨导致的粮食倒伏、减产、霉变等损失全面纳入保险保障范围，切实降低种粮主体生产经 营风险。江苏金融监管局督促农险经办机构精准投保理赔，截至1 ...

农业银行湖南郴州分行行长 杨波：根据地方的特色，差异化地推出了蔬菜贷、民宿贷、水果贷，精准地服务特色客群，简化流程，我们最快三天就可以完 成审批放款。 记者从多地金融监管部门了解到，今年以来，各地普遍加大了对粮食生产等重点领域的贷款支持。 眼下，全国秋冬种已接近尾声，但农民对资金的需求依旧旺盛。记者从多地金融监管部门了解到，今年以来，各地金融机构持续加大对"三农"的资金支持， 并通过更加全面的保险保障助力农民增收。 在湖南郴州，种植大户王庭武在晚稻收割之后，把其中的三百亩地改种了蔬菜，以增加合作社的收入。这两天，他的蔬菜大棚迎来了入冬后首次采收。 郴州市北湖区种植大户 王庭武：我们现在的销售渠道是以粤港澳为基础，我们今天采收的菜，明天中午就可以到粤港澳大湾区的饭桌上。 王庭武告诉记者，现在他们不光种粮食、修农田、建大棚等可以申请贷款，搞经营、发展农村产业等也都有银行的支持，而且大部分贷款都不需要抵押，靠 信用就可以申请。 此外，各地还加大了保险对农业生产和农民增收的保障力度。重庆将三大主粮保险保障金额提升到1100元/亩，财政补贴比例最高85%，今年秋粮主产区政 策性农业保险覆盖率达100%；甘肃金融监管局要 ...

Core Viewpoint - The rapid growth of inclusive finance in China is significantly contributing to the economy, with a notable increase in micro and small enterprise loans, reflecting a robust support system for economic development [2][3]. Group 1: Inclusive Finance Growth - As of the end of September 2025, the balance of inclusive micro loans reached 36.09 trillion yuan, marking a year-on-year growth of 12.2%, which is 5.6 percentage points higher than the overall loan growth rate [3][4]. - The balance of operating loans for farmers with a single credit limit of less than 5 million yuan increased by 346.5 billion yuan in the first three quarters [3]. - The total amount of loans issued since the establishment of the financing coordination mechanism for small and micro enterprises has reached 22 trillion yuan [2]. Group 2: Policy and Implementation - The "14th Five-Year Plan" emphasizes the development of inclusive finance, with a focus on practical implementation guided by the People's Bank of China [2]. - The National Financial Supervision Administration and the People's Bank of China jointly released a plan in June 2025, outlining 16 measures to enhance the inclusive financial service system [3]. Group 3: Innovations in Inclusive Finance - The research identified three major innovative highlights in inclusive finance: 1. The digital transformation of inclusive finance, utilizing big data and AI to enhance credit assessment and service delivery [6]. 2. The exploration of inclusive supply chain finance, providing targeted financial services along the supply chain to alleviate financing difficulties for small and micro enterprises [6][7]. 3. The development of region-specific inclusive financial products tailored to local economic characteristics, such as specialized loans for local industries [7]. Group 4: Guangdong's Inclusive Finance Initiatives - The Guangdong province has seen an 8% year-on-year growth in inclusive loans, outpacing the overall loan growth rate by 2.3 percentage points [8]. - A case collection initiative has been launched to identify and promote exemplary practices in inclusive finance from financial institutions in Guangdong, focusing on digital transformation, supply chain finance, and regional characteristics [9].

当这家民宿主理人李文彦收到全国甲级民宿牌匾时，400万元"银担e贷"，也悄然转化为50余间庭院 式精品房舍和崇文集书房的静心阅读。 作为凤凰古城内唯一一家以"沈从文主题游"为特色的全国甲级旅游民宿，这里不仅收藏并展示了与 沈从文相关的书法、绘画、文集及手迹，更是以文化塑造旅游、以旅游彰显文化的典范，赢得了市场和 行业的广泛赞誉。 初春时节，湖南湘西的沱江水波粼粼，凤凰古城内游人络绎不绝。 2025年春节假期，这片神秘土地迎来188.3万人次游客，凤凰古城、芙蓉镇、乾州古城、矮寨·十八 洞·德夯大峡谷更是惊艳国内外游客，跻身全省A级景区假期累计客流TOP10榜单。 数据背后，是农行湖南湘西分行深耕文旅产业的坚实足迹：近三年累计投放文旅贷款14.5亿元，涉 旅贷款余额居全州金融机构前列，带动近10万农民就业。不仅为湘西州文旅产业注入了新动能，更让 其"诗意与远方"的魅力充分释放，绽放璀璨光彩。 战略赋能：打通融资"任督二脉" 凤凰古城里有一家依山而建的民宿，叫凤凰雪晴集·人文半山，名字源于沈从文同名作品《雪晴 集》。 "过去景区商户贷款难，融资渠道单一。"农行湘西分行行长刘杰坦言，"传统信贷模式难以匹配文 旅产业 ...