"渔民海上作业时间不固定，我们就调整下乡入驻时间，在他们集中上岸时增派人手。"农行宁德蕉城支 行营业部主任刘巧铃向记者说，"我们不仅带来了双屏POS机、惠农e站，还经常用大白话给他们讲怎么 预防诈骗。" 更让渔民们安心的是，当地农行针对渔业生产经营特点，为他们量身定制了信贷产品"设施贷"。刘巧铃 解释道："我们根据他们的养殖证等材料推出了这款产品，最高贷款额度能达到100万元。寒垅村海上社 区惠农服务旗舰店成立后，从受理材料到放款，我们能做到3天内完成。" ■本报记者 陈衍水 作为扎根八闽的国有大行，农行福建分行始终扎根乡村、心系"三农"，积极探索服务乡村振兴有效模 式，在提升县域网点金融服务质效的基础上，重磅升级推出惠农服务旗舰店，有效提升县域到乡到村的 服务能力。 宁德市蕉城区海洋资源丰富，这里渔业发展有着得天独厚的优势。"因为流水足、氧气足，所以鲍鱼就 喜欢我们这里。"寒垅村村支书吴星谈起海中的"宝贝"，满是自豪地对《农村金融时报》记者说。寒垅 村盛产黄金鲍、绿杂鲍，目前该村有鲍鱼养殖户250余户，养殖面积达3200亩。 然而在丰饶资源的背后，也曾有过为钱发愁的时候。在渔排上摸爬滚打了10余年的鲍鱼养殖 ...

Core Viewpoint - The fishing season is set to open on July 1, with fishermen in the Yanggong Fishing Port preparing for the upcoming catch after a four-month hiatus, indicating a significant seasonal activity in the fishing industry [3][4]. Group 1: Preparation for Fishing Season - Fishermen are actively preparing for the fishing season, with one fisherman stating he has set up 35 nets this year, an increase of 2 nets compared to last year [4]. - The preparation involves ensuring that fishing nets are properly weighted with bricks and lead to ensure they sink deeper for better catches [4]. - Fishermen have been busy since April, ensuring sufficient diesel, repairing nets, and conducting essential maintenance on fishing boats, which is particularly important this year due to a scheduled five-year maintenance [4][5]. Group 2: Expectations for the Catch - Last year, the catch on the opening day was over 1,900 kilograms, with hopes for a similar or better yield this year despite concerns about water levels and tides affecting the catch [5]. - Fishermen remain optimistic about the first catch, expecting to catch various fish types, including knife fish, catfish, and eel, which are considered more profitable than farmed fish [5]. - The local fish market in Jiubao Street is anticipated to become lively as fresh river fish will be available, attracting food enthusiasts [5].

Core Viewpoint - The glass fiber reinforced plastic (GFRP) fishing boats industry in China is poised for significant growth due to the aging of existing wooden and small steel fishing vessels, with government initiatives promoting the replacement and modernization of fishing equipment. The number of GFRP fishing boats is expected to increase to 12,000 by 2025, representing a 20% year-on-year growth [1][14]. Industry Overview - GFRP fishing boats account for only about 2% of the total fishing vessels in China, compared to 80-90% in developed fishing nations [1][14]. - The existing wooden and small steel fishing vessels are over 50% aged, necessitating urgent updates and replacements [1][14]. - The Liaoning province has initiated a plan to promote large-scale equipment updates in the fishing industry, focusing on phasing out old wooden boats and enhancing subsidies for new steel or composite material boats [1][14]. Economic Aspects - GFRP fishing boats exhibit excellent energy-saving capabilities, with insulation performance leading to ice-saving rates of 20% to 40% and fuel savings of 10% to 15% compared to steel boats [4][5]. - The lifespan of GFRP boats can reach up to 50 years, significantly longer than the 10-15 years typical for steel boats, which require regular maintenance [4][5]. Industry Development History - The development of GFRP fishing boats in China began in the 1970s, with the first boat constructed in 1974 [7][8]. - The industry faced challenges in the 2000s due to quality issues and incidents, but recent government support has led to significant advancements in construction capabilities [7][8]. Industry Chain - The upstream of the GFRP fishing boat industry includes raw materials such as liquid synthetic resins and glass fibers, which are crucial for the durability and safety of the boats [8]. - The midstream involves the production and manufacturing of GFRP boats, while the downstream encompasses their applications in freshwater and marine aquaculture, marine capture, and seedling production [8]. Competitive Landscape - The GFRP fishing boat market in China is primarily dominated by state-owned enterprises, followed by military and private enterprises, with the former holding the largest market share [16][17]. - Key players in the industry include Jianglong Shipbuilding, Weihai Zhongfu Xigang Shipbuilding, and Qinhuangdao Yaohua Equipment Group [16][17]. Future Trends - The demand for GFRP fishing boats is expected to grow continuously due to the booming marine economy and increasing consumer interest in marine tourism [21]. - The industry is moving towards automation and smart technology integration, enhancing production efficiency and product quality [22]. - There is a growing emphasis on green development, with a focus on using recyclable materials and renewable energy technologies to reduce environmental impact [23][24].

强化组织保障，构建高效乡村金融服务体系。工行北海分行通过组织架构优化与科技手段融合，全面助 力乡村振兴。一方面，成立乡村振兴办公室，统筹推进工行总行15条金融支持举措，构建覆盖"农业、 农村、农民"的全方位服务体系，通过线上线下结合方式开展"金融知识进乡村"活动，推广惠农金融产 品并普及网银、手机银行等数字化工具，提升农村客户金融素养，打通金融服务"最后一公里"。另一方 面，深化"线上+线下"协同服务，依托"经营快贷"、商户二维码、融e联等工具，实现农户足不出户办理 业务；同时强化一线网点专业化服务能力，为农林渔民提供定制化咨询。通过组织保障与科技赋能的深 度融合，推动涉农服务更高效、更普惠，为乡村振兴注入持久活力。（孙洁文） 转自：新华财经 编辑：穆皓 打造特色信贷产品，精准服务农业产业。立足北海甘蔗种植、海洋渔业等特色产业，工行北海分行创新 推出"蔗担贷""渔船贷"等定制化产品，精准满足个体经济资金需求。其中，"蔗担贷"支持合浦县甘蔗种 植户扩大生产规模，"渔船贷"以渔船抵押模式助力海洋捕捞及加工业发展。截至2025年4月末，两项贷 款余额超1140万元，惠及近百户农户。同时，该行加速数字化转型，依托"经 ...

近日，江西农商联合银行开业暨政银校企战略合作签约仪式举行。此外，经国家金融监督管理总局批 准，今年2月份，以新设合并方式组建的河南农商银行在郑州举行开业仪式。今年4月份，由省联社改制 而来的江苏农商联合银行挂牌成立。 今年以来，多家省级农信机构组建后陆续开业，意味着我国农信系统发展迈入新阶段，也为农村金融改 革夯实了基础。中小银行在展业中如何更好地满足涉农融资需求？如何防范信贷和管理风险？为此，记 者进行了调研。 改革重组 农信社改革是深化农村金融改革、推动金融服务实体经济高质量发展的重要驱动力。近年来，在国家金 融监督管理总局大力推动下，中小金融机构的改革化险工作稳步推进。 记者梳理发现，今年农信改革大潮中，联合银行和统一法人模式是改革的主流方向。"多元化改革模式 可以实现金融的人民性、普惠性，为乡村全面振兴注入金融动能。"中国人民大学中国普惠金融研究院 首席经济学家莫秀根认为，统一法人模式是风险化解与资源整合的关键路径。部分地区通过省级统一法 人农商银行模式，将分散的县级农信社整合为省级法人机构，集中处置不良资产。联合银行模式则在保 持县域法人地位的基础上，构建"小法人+大平台"的协同体系。部分地区采用该 ...

在海产品船上速冻工艺方面，团队发明了船用低渗盐量氯化钙浸渍冻结海水鱼方法，冷冻海水鱼抗氧化冰衣配方和自动镀冰衣装置。采用该技术，冷冻 海水鱼可保持一级鲜度300天，破解冻品氧化变色难题。 上海海洋大学食品学院技术团队历时十余年，围绕"海产品海陆一体化冷链"展开攻关，研发出系列创新装备与方法，显著提升了冷链效率与品质。目 前，相关技术已在龙头企业推广应用，近三年累计新增产值近15亿元，创汇千万美元，节约能耗资金上亿元。冷库能耗较全国平均水平降低60%，冷藏运输 设备节能15%，每年减少碳排放数千万吨。 在船用、陆用新型冷链装备研制方面，团队联合国内冷链装备制造企业，针对冻结设备单一、冻结效率低的问题，创制了自动出料立式平板冻结装置、 上下冲击式速冻机，提出了冷库的性能优化和制冷系统节能技术，发明了节能型冷藏运输设备。 长期以来，我国海产品在捕捞后的损耗率高达15%~20%，年均经济损失超150亿元。传统冷链技术常因海陆脱节、能耗高、冻品品质差等问题让海 鲜"折损"在路上，同时伴随高碳排放与资源浪费。 "像金枪鱼这样的鱼类，在稳定的超低温环境下（-60℃以下）才能很好地避免其氧化、变色，而远洋渔船海上作业时间长， ...

海洋渔业中游的海产养殖业特点是前期投入大、周期性强，生产经营主体存在融资难题。针对担保难 题，农业银行山东省分行创新推出"海域使用权抵押贷款"，在抵押物使用权不转移占有的前提下，向借 款人发放信贷资金。农业银行海域使用权抵押贷款一大优势是担保方式灵活，渔业基础设施用海、围海 养殖用海、人工渔礁用海、开放式养殖用海等渔业用海和盐业用海、船舶工业用海、电力工业用海、海 水综合利用用海、其它工业用海等海域的使用权可作为抵押标的。另一项优势是价值认定灵活，海域使 用权抵押价值按照综合价值确定，即按照取得价值的20%和评估价值的80%之和确定抵押价值。 海洋渔业下游包括水产加工、流通和销售。农业银行山东省分行积极助力渔业加工、冷链流通等海产下 游龙头企业发展，聚焦威海好当家、日照荣信等国家农业产业化重点龙头企业，为企业扩大产能提供信 贷资金，助力水产品流通。农业银行山东省分行制定日照安东卫海货专业市场批量授信方案，已累计投 放1.62亿元。 三、"标准引领+信贷创新+国际合作"，青岛银行积极打造蓝色金融特色银行 标准先行引领业务实践。青岛银行制定了国内首个商业银行蓝色资产分类标准——《青岛银行蓝色资产 分类标准》，将" ...

■本报记者 田耿文 通讯员 郇长亮 近年来，山东省委省政府围绕打造现代海洋经济发展高地，以做大做强现代海洋经济为目标，打造世界 级海洋创新平台，努力在建设海洋强国中"走在前、挑大梁"。 伴随山东加快海洋强省建设步伐，农行山东省分行持续改进和提升金融服务能力，明确支持重点，统筹 配置资源，助力经济大省在海洋建设中"挑大梁"。截至今年3月末，农行山东省分行海洋及相关产业贷 款余额83.9亿元，较年初增加4.8亿元。 为助力海洋种业发新芽，该分行聚焦水产种业"育繁推"一体化，联合育种平台和良种繁育龙头企业，围 绕优势水产品区域开展金融服务，支持北海渤海水产种苗繁育中心项目、明波水产现代渔业种业基地等 省级以上重点项目，累计投放海洋种业贷款1.7亿元。此外，农行山东省分行还积极助力渔业加工、冷 链流通等海产下游龙头企业发展，聚焦威海好当家、日照荣信等国家农业产业化重点龙头企业，助力企 业扩大产能。 农行山东省分行以"金融服务乡村振兴齐鲁样板烟台示范区"创建为契机，加力服务蓝色经济探索与布 局，赋能海洋牧场、远洋捕捞及加工、海洋生物制药、海洋化工、海洋能源、海洋旅游、港航物流、海 洋种苗、近海养殖、海工装备等"十大领域 ...

农行山东省分行以"金融服务乡村振兴齐鲁样板烟台示范区"创建为契机，加力服务蓝色经济探索与布 局。该行创新产品，赋能海洋牧场、远洋捕捞及加工、海洋生物制药、海洋化工、海洋能源、海洋旅 游、港航物流、海洋种苗、近海养殖、海工装备等"十大领域"加快发展。辖内烟台分行，近三年累计投 放海洋经济领域贷款201.27亿元，成为烟台蓝色经济发展的强大引擎。 农行山东省分行信贷支持海洋牧场打造，为海洋生态发展赋能增效。及时更新国家级海洋牧场清单，第 一时间下发各沿海分行对接，利用传统贷款、融资租赁等多种产品，支持了莱州太平湾、荣成苏山岛等 10个国家级海洋牧场示范区建设，累计投放贷款11.5亿元。 伴随着山东加快海洋强省建设步伐，中国农业银行山东省分行持续改进和提升金融服务能力，助力山东 在海洋建设中"挑大梁"。截至今年3月末，农行山东省分行海洋及相关产业贷款余额83.9亿元，较年初 增加4.8亿元。 助力打造近海养殖产业集群，该行通过创新金融产品、联合农担公司、开展"一项目一方案"批量授信模 式等多种手段，不断加大渔业养殖信贷投放，支持了乳山牡蛎、涛雒特色渔业等一批重点渔业集群。信 贷助力远洋捕捞业发展，积极服务大型渔船设 ...

Core Insights - The article discusses the trial of an intelligent auxiliary driving system on the fishing vessel "Zhepu Fishing 68877," aimed at enhancing maritime safety through technology [3][4]. Group 1: Technology and Implementation - The intelligent auxiliary driving system was tested on the fishing vessel "Zhepu Fishing 68877" in Zhoushan, Zhejiang, with a focus on improving safety during navigation [3][4]. - The system provides real-time alerts and automatic controls, such as reducing speed when a potential collision is detected, enhancing the safety of maritime operations [4][5]. - The trial involved over ten experts and fishermen representatives who evaluated the system's performance during the test [4]. Group 2: Safety and Risk Mitigation - Analysis by the China Shipowners Mutual Insurance Association identified high-risk periods for maritime accidents, primarily due to factors like improper avoidance and crew fatigue [3]. - The intelligent driving system is designed to address these safety concerns, particularly during adverse weather conditions or low visibility, thereby reducing the risk of accidents [5]. - Feedback from participants indicated that the system is more user-friendly and responsive compared to traditional alarm systems, which is crucial for enhancing safety [5]. Group 3: Future Developments - The Zhejiang Provincial Marine Economic Development Department plans to expand the pilot program and integrate the intelligent driving system into fishing vessel inspection regulations [5]. - The goal is to promote the application of this technology across the fishing industry, thereby improving overall maritime safety standards [5].