（来源：经济参考报） 民惟邦本，利民为本。 金融来之于民，服务于民。坚持"金融为民"是金融工作的本色。作为西北地区首家A股上市银行，西安 银行深入践行金融工作的政治性、人民性，以"当好市民的金融服务生"为理念，始终坚守"为民办实 事"使命与担当，通过升级服务水平、保障消费者权益、服务县域乡村等一系列金融惠民利民举措，积 极履行金融机构的社会担当，用心绘就幸福民生画卷。 近年来，以快递员、外卖骑手、网约车司机为代表的新就业群体已成为城市高效运转不可或缺的重要力 量，如何让"城市追风者"工作更安心、生活更暖心，既是全社会共同关切的民生议题，也是金融机构践 行"金融为民"宗旨的责任担当。 西安银行总行零售业务部负责人介绍，西安银行雁塔支行积极响应雁塔区委、区政府号召，深入贯 彻"金融为民"服务理念，结合全行网点转型工作的有利契机，创新打造"雁塔区新就业群体红色驿站"多 功能服务平台。旨在通过这一平台，推动银行金融服务从柜台延伸至街头、从网点覆盖至社区、从单一 业务拓展至综合服务，为新就业群体提供更有温度、更具价值的服务体验。 据介绍，红色驿站将关心关爱新就业群体与金融服务有机融合，驿站内不仅提供金融政策咨询、业务办 ...

2022年12月，广东省委推动实施"百县千镇万村高质量发展工程"（以下简称"百千万工程"），推动城乡 区域协调发展。三年来，全省乡村面貌正发生深刻改变，城乡融合、产业兴旺、美丽乡村等方面取得新 突破，县域经济综合实力和发展能级进一步提档升级。 作为唯一一家总部位于广州、机构和业务覆盖粤港澳大湾区"9+2"城市的全国性股份制商业银行，广发 银行围绕"三农"发展、县镇产业升级、城乡基础设施、居民消费、防返贫帮扶及服务渠道建设等六大方 向持续发力，全力推动将县镇村发展的短板转化为广东高质量发展的潜力板。 加大投入夯实发展根基 广发银行加大信贷额度支持倾斜，落实差异化FTP定价或优惠补贴政策，确保金融活水精准滴灌。自 2023年起，累计向"百千万工程"领域投放信贷资金超3500亿元，为广东城乡区域协调发展注入新动能。 在优化贷款投向方面，广发银行积极发挥综合金融优势，聚焦交通、水利、电网、物流与信息化等城乡 基础设施建设，推动一批强基础、利长远的重点项目落地。在惠州，广发银行向稔平环岛高速公路有限 公司批复30亿元授信，助力区域交通网络优化升级；为惠东水务有限公司提供8000万元贷款，支持供水 基础设施建设，提升城乡 ...

广发银行加大信贷额度支持倾斜，落实差异化FTP定价或优惠补贴政策，确保金融活水精准滴灌。 自2023年起，累计向"百千万工程"领域投放信贷资金超3500亿元，为广东城乡区域协调发展注入新动 能。 在优化贷款投向方面，广发银行积极发挥综合金融优势，聚焦交通、水利、电网、物流与信息化等 城乡基础设施建设，推动一批强基础、利长远的重点项目落地。在惠州，该行向稔平环岛高速公路有限 公司批复30亿元授信，助力区域交通网络优化升级；为惠东水务有限公司提供8000万元贷款，支持供水 基础设施建设，提升城乡公共服务均等化水平。在湛江，该行作为广东省专项债主承销商之一，积极发 挥广东省乡村振兴专项债指定服务银行优势，协助申报"海洋牧场"项目22个，占湛江市上报项目总数的 三分之二；同时，为湛江国联水产集团发放贷款1.38亿元，支持其拓展海洋经济产业链，推动县域经济 向"蓝色经济"转型升级。 在拓宽融资渠道方面，广发银行深化与广东省农业农村厅的政银合作，通过"政银保""政银担"等创 新模式，持续推动广东乡村振兴融资风险补偿金业务落地，累计投放普惠型涉农贷款超13亿元。加强与 担保公司合作，对接粤财担保集团，自去年6月开展相关合作 ...

Core Insights - The article highlights the proactive role of Agricultural Bank in supporting rural revitalization through tailored financial products and services for farmers, particularly during the spring plowing season [1][4][5] Group 1: Financial Support Initiatives - Agricultural Bank's Zhuzhou branch has established nine "Spring Plowing Service Pioneer Teams" to assess the financial needs of major grain producers, cooperatives, and family farms [1] - The bank has introduced specialized loan products such as "Tobacco Farmer Loan" and "Rural Revitalization Leader Loan," facilitating quick responses to funding needs with expedited approval processes [1][4] - By the end of Q1 2025, the bank's agricultural loans increased by 840 million yuan, reaching a total of 16.3 billion yuan, benefiting over 30,000 agricultural entities [1] Group 2: Technological Integration in Agriculture - The article emphasizes the integration of smart agricultural machinery, with over 5,000 units deployed in You County, achieving a mechanization rate of over 89% for rice cultivation [3] - The bank's support has enabled farmers to adopt advanced technologies, such as unmanned planting machines, enhancing productivity and reducing reliance on traditional farming methods [3] Group 3: Case Studies of Farmers - A veteran farmer, He Yi, transformed his farming operations from 10 acres to 3,000 acres, supported by a 1 million yuan loan from Agricultural Bank, which allowed him to purchase drying machines and expand his cooperative's service radius [2][3] - Another farmer, Tan Jianwei, received a 300,000 yuan loan in just three minutes through the bank's mobile banking system, enabling him to improve irrigation systems for his tobacco crops [4][5] Group 4: Community Engagement and Services - The bank has collaborated with local governments and agricultural stations to create a "Tobacco Farmer Information Database," identifying the needs of over 100 farmers [5] - Agricultural Bank has upgraded 775 rural service stations, allowing farmers to access various financial services without leaving their villages, thus enhancing convenience and efficiency [6]

Group 1 - The article highlights the proactive measures taken by China Bank to support tobacco farmers in Guizhou Province, particularly in Liupanshui City, by providing tailored loan products to meet their financial needs during the spring planting season [1][2] - China Bank has launched the "Yinongkuai Loan - Tobacco Farmer Loan" product, which has issued over 12 million yuan in loans to 142 tobacco farmers, addressing their short-term funding requirements without the need for collateral [1] - The bank's approach includes a combination of leadership and specialized credit personnel to facilitate direct communication with farmers, ensuring timely access to financial resources [2] Group 2 - In addition to providing loans, China Bank emphasizes enhancing the financial literacy of tobacco farmers by conducting educational programs on loan policies, repayment methods, and financial risk prevention across various regions [2] - The bank's staff utilize simple language and real-life examples to educate farmers about financial risks such as illegal fundraising and telecom fraud, thereby improving their risk awareness and self-protection capabilities [2]

Core Viewpoint - The financial industry plays an increasingly important role in promoting rural revitalization, with financial institutions focusing on innovative service models and precise alignment with the needs of agriculture, rural areas, and farmers [1] Group 1: Organizational Support Mechanism - The bank held a meeting to strategize its efforts in rural revitalization for 2024, ensuring responsibilities are clearly defined across all levels [2] - The bank issued key work plans to support rural revitalization, establishing a framework for policy support and resource allocation [2] - Senior management conducted field research and support activities, with 12 visits for targeted assistance and 40 visits by branch leaders to understand local needs [2] Group 2: Financial Service System Optimization - By the end of 2024, the bank had over 60 specialized agricultural loan products, with an agricultural loan balance of approximately 1,950 billion, reflecting a year-on-year growth of over 14% [3] - Inclusive agricultural loan growth exceeded 17%, outpacing other loan categories, thereby providing robust financial support for sustainable rural economic development [3] - The bank introduced various financial products tailored to real rural scenarios, enhancing service coverage and convenience [3] Group 3: Precision Assistance Practices - The bank's 22 branches partnered with 51 towns and villages, deploying 45 support staff to implement measures that prevent large-scale poverty [4] - Focused on enhancing rural industry development, the bank supported local initiatives to improve agricultural value chains and infrastructure [4] - The bank set annual consumption assistance targets, achieving nearly 15 million in agricultural product purchases and facilitating significant sales through e-commerce [4] Group 4: Focus on Guangdong Rural Revitalization - The bank deepened cooperation with local governments to enhance financing for rural revitalization, leading to 8.20 million in inclusive agricultural loans in 2024 [5] - The bank deployed 14 support staff in Guangdong to monitor and assist rural areas, ensuring no large-scale poverty occurs [5] - The bank plans to align with the group's strategic goals for 2025, aiming to strengthen agricultural foundations and improve rural livelihoods [5]