深耕县域经济 为乡村振兴注入源头活水 临夏州是国家乡村振兴重点帮扶地区，发展的短板在县域，潜力也在县域。中国人民银行临夏州分行深 刻认识到，必须将金融资源配置的重心坚定不移地沉下去，倾力浇灌乡村沃土。在全州部署实施"一县 一业一品"金融助力专项行动，组织金融系统骨干力量，深入各县市开展实地调研，深入剖析资源禀 赋，绘制了涵盖牛羊养殖、特色种植（花椒、树莓、食用菌等）、文旅康养、手工制造等特色产业 的"产业链金融图谱"。在此基础上，引导和鼓励金融机构"按图索骥"、创新产品。如，针对广河县、东 乡族自治县蓬勃发展的牛羊产业，推动金融机构创新推出"活体抵押贷"，通过"活体登记+保险+监管"模 式，将牛羊变为可抵押的资产，累计发放相关贷款超24亿元，支持了数千户养殖户扩大规模。针对和政 县乡村旅游，量身定制"民宿贷""文旅融合贷"，助力美丽乡村转化为"美丽经济"。目前，全州牛羊全产 业链贷款余额已达124亿元，特色产业贷款的"蓄水池"越做越大。巩固拓展脱贫攻坚成果是同乡村振兴 有效衔接的底线任务，中国人民银行临夏州分行持续推动脱贫人口小额信贷政策落地落细，建立常态化 督导机制，确保符合条件、有发展意愿的农户应贷尽贷。 ...

Core Viewpoint - The financial support and policies implemented in Jishishan County, Gansu Province, have significantly aided in the recovery and rebuilding efforts following the 6.2 magnitude earthquake on December 18, 2023, helping local residents restore their homes and revitalize local industries [1][2][3]. Financial Support for Housing Reconstruction - The People's Bank of China (PBOC) in Linxia Prefecture has guided financial institutions to focus on post-disaster recovery and industrial revitalization, resulting in an increase of 3.564 billion yuan in loans by June, a growth of 73.59% compared to the end of 2023 [1]. - Financial institutions have issued a total of 5.7 billion yuan in loans to assist 17,000 affected households in rebuilding their homes [1]. - Specific loan products, such as the "5+N" loan model, have been utilized to provide financial assistance to individuals like Zhang Changlu, who received 50,000 yuan to rebuild his home [2][3]. Comprehensive Financial Policies - The PBOC and local government have introduced policies to support housing reconstruction, including a maximum of 50,000 yuan in five-year fully subsidized loans for households rebuilding on their original sites, and up to 100,000 yuan in ten-year fully subsidized loans for those purchasing new homes [3]. - Agricultural Bank of China has played a leading role in providing disaster recovery loans, disbursing 28.9 million yuan to benefit 2,907 affected families [3]. Support for Industrial Revitalization - Financial institutions have shifted focus to support local industries, launching specialized credit products to provide operational funds for affected residents [4]. - The PBOC organized a financial support meeting, resulting in 11 financial institutions signing credit agreements totaling 774 million yuan with 21 local enterprises [5]. - Various innovative loan products have been introduced, such as "Anti-Seismic Recovery Business Loan" and "Revitalization E-Loan," to meet the diverse financial needs of the disaster-affected population [6]. Enhanced Financial Services - Financial services have been extended to reduce the financing costs for disaster-affected individuals, including interest rate reductions and fee waivers [7][8]. - The PBOC has facilitated a reduction in existing loan interest rates by an average of 50 basis points, with new loan rates decreasing by nearly 100 basis points since the earthquake [8]. - Local banks have implemented mobile services to ensure that financial assistance reaches remote areas, enhancing accessibility for residents [8].

Core Viewpoint - The article highlights the proactive measures taken by financial institutions in Shaanxi Province to support disaster recovery and reconstruction efforts following severe flooding in July 2024, emphasizing the importance of financial assistance in restoring local economies and livelihoods [1][5]. Group 1: Financial Support Initiatives - The People's Bank of China (PBOC) in Shaanxi has guided local branches to implement measures for disaster recovery, including enhancing credit support and simplifying procedures to aid rescue and reconstruction efforts [1][5]. - The Baoji Rural Commercial Bank provided 10 million yuan in loans for facility repairs and green reconstruction in severely affected areas [2]. - The PBOC Baoji branch opened a green channel for flood control, allowing for expedited loan approvals and special credit allocations for disaster recovery at preferential rates [3][5]. Group 2: Specific Financial Products and Loans - The Fengxian Rural Commercial Bank revised its loan management guidelines to reduce financing costs for affected farmers, issuing 13.2 million yuan in loans to key disaster-hit villages [3]. - The PBOC Baoji branch encouraged banks to utilize central bank monetary policy tools to provide low-cost funding, with a total of 404 million yuan in re-loans issued since the disaster [5]. - The Xi'an Bank provided 3 million yuan in loans to a food processing company affected by the floods, enabling it to recover and thrive through online sales [6]. Group 3: Support for Agricultural and Local Industries - The PBOC Shanzhou branch coordinated with 18 banks to develop specialized loan products for key agricultural industries, providing 2 million yuan in loans to a disaster-hit mushroom enterprise [7]. - Financial institutions were instructed to meet funding needs for agricultural infrastructure repair and recovery, with agricultural loan balances reaching 56.884 billion yuan by the end of 2024 [8]. - The Postal Savings Bank provided 400,000 yuan in operating loans to a pig farmer who suffered significant losses due to flooding, demonstrating the critical role of financial support in recovery [7].