杨宇焰提到，宁夏固原的县域占比高、涉农主体多、产业以特色农业和中小微企业为主，普惠金融需求 集中且迫切，同时面临市场主体抵质押物不足、信息不对称、风险分担机制不健全等共性难题。 杨宇焰介绍，截至2025年年末，固原市普惠重点领域贷款352.8亿元、同比增长8.0%，占全市贷款比重 48.1%，其中农户贷款337.0亿元、同比增长8.0%；贷款投向满足养殖补栏、青贮储备、线上经营等多元 化生产生活需求，4.4万户普惠小微贷款户数、同比增长15.3%；创新产品满足多元化信贷需求，开 发"青贮贷""牛劲贷""淀粉贷""村集贷"等特色信贷产品，提升授信效率与可持续性，将农村集体经济组 织信用、经营能力与带动效应纳入授信安排，共为795个农村集体经济组织累计授信1.6亿元。 他表示，固原市普惠金融改革试验区将力争用3年左右时间，让普惠金融产品更加适配，围绕肉牛、冷 凉蔬菜、马铃薯、中药材等特色产业，围绕小微企业、个体工商户、新市民、乡村能人、新型农业经营 主体等重点群体，打造一批"看得懂、用得上、能持续"的普惠金融产品。 中国青年报客户端银川2月27日电（中青报·中青网记者 焦敏龙）在今天宁夏回族自治区政府新闻办举行 ...

杨宇焰表示，下一步将持续深化固原普惠金融改革，进一步完善服务体系、创新适配产品、筑牢风险屏 障，推动金融资源更精准对接特色产业和普惠群体，让改革成效更多惠及民众，努力形成可复制、可推 广的普惠金融经验。(完) （文章来源：中国新闻网） 试点推进以来，固原市构建"一专班、一清单"多方联动机制，推动金融服务全面下沉。当地设立小微金 融服务示范支行，选派57名驻村金融官和11名驻行特派员，建成626个农村普惠金融综合服务点，实现 农村基础金融服务100%覆盖。金融供给持续加码，截至2025年末，固原普惠重点领域贷款达352.8亿 元，同比增长8%；支农支小再贷款余额39.4亿元，各项贷款加权平均利率同比下降0.39个百分点，普惠 小微贷款惠及4.4万户经营主体。 针对涉农主体缺抵押、信息不对称等难题，固原创新推出"牛劲贷""青贮贷""淀粉贷""村集贷"等特色信 贷产品，完善活体抵押、排污权抵押等融资模式，2025年应收账款融资金额达10.98亿元，为795个农村 集体经济组织授信1.6亿元。同时，当地持续优化金融生态，已评定信用户13.2万户，释放失信农户1.88 万户，9243户重新获得信贷支持，不良贷款率稳定在 ...

Core Insights - The 2025 Central Document No. 1 emphasizes the promotion of livestock collateral financing loans, transforming livestock agricultural production into collateral recognized by financial institutions, creating new opportunities for local specialty breeding industries [1] Group 1: Industry Development - Ningxia Wuzhong City is located in the internationally recognized "Golden Milk Source Belt," with three major dairy farming core areas and a dairy cow stock of 308,000, accounting for 33% of Ningxia's total dairy cow stock [1] - The comprehensive industrial chain of dairy farming, including feed planting, dairy cow breeding, dairy processing, and cold chain logistics, has a total output value exceeding 30 billion, contributing approximately 32% to the regional GDP [1] - The dairy industry has become one of the six key specialty agricultural industries in Wuzhong City [1] Group 2: Financial Mechanisms - The People's Bank of China Wuzhong Branch has expanded the range of rural collateral to activate rural live assets, addressing financing challenges for specialty industries [2] - As of May, the balance of live collateral loans in Wuzhong City reached 700 million, supporting 110 breeding entities, with dairy cow live collateral loans accounting for 620 million [2] - A coordination mechanism involving government departments, commercial banks, and breeding enterprises has been established to support the dairy industry [2] Group 3: Innovative Financing Models - The People's Bank of China Wuzhong Branch is developing a tiered and categorized live collateral financing model matrix to meet the diverse funding needs of breeding entities [3] - Various financing models such as "live collateral + guarantee," "live collateral + credit," and "live collateral + syndicate loans" have been introduced to lower financing costs and meet diverse funding needs [3] - Financial institutions have launched multiple live collateral loan products, effectively transforming live assets into liquid capital [3] Group 4: Risk Management - The People's Bank of China Wuzhong Branch is implementing a multi-dimensional control approach to strengthen the dynamic supervision system for live collateral, addressing the challenges of risk management in the livestock industry [4] - A unified registration system for movable property financing has been established, with 18 live collateral registrations completed from January to May 2025 [4] - Various monitoring methods, including real-time video monitoring and third-party supervision, have been adopted to ensure the value and integrity of live collateral [5]

Core Insights - The central government has introduced a policy to promote livestock collateral financing loans, transforming livestock production into recognized collateral for financial institutions, creating new opportunities for local specialty breeding industries [1] - The dairy industry in Wuzhong City, Ningxia, has developed into one of the six key agricultural industries, with a total dairy cattle population of 308,000, accounting for 33% of the region's total, and a comprehensive industrial output exceeding 30 billion yuan, representing about 32% of the local GDP [1] - The People's Bank of China in Wuzhong has been actively exploring ways to broaden the range of rural collateral, facilitating financing for rural specialty industries [2] Group 1: Policy and Financial Mechanisms - A collaborative mechanism involving government departments, commercial banks, and breeding enterprises has been established to support the dairy industry, with several policy documents issued to encourage financial institutions to include livestock as collateral [2] - As of May, the balance of livestock collateral loans in Wuzhong has reached 700 million yuan, supporting 110 breeding entities, with 620 million yuan specifically for dairy cattle [1][2] - The use of agricultural support loans has exceeded 500 million yuan, accounting for 14.8% of the city's total re-loan balance, providing financial support for the dairy industry [2] Group 2: Innovative Financing Models - The People's Bank of China in Wuzhong is promoting a tiered and categorized livestock collateral financing model to meet the diverse funding needs of breeding entities [3] - Various innovative financing models have been introduced, such as "livestock collateral + guarantee," "livestock collateral + credit," and "livestock collateral + syndicate loans," to enhance risk management and meet large financing demands [3] - Several banks have launched specific livestock collateral loan products, effectively converting livestock into financial assets and reducing financing costs for breeding entities [3] Group 3: Risk Management and Supervision - The unique characteristics of livestock collateral, such as regulatory challenges and value volatility, have led to increased risks for financial institutions [4] - A dynamic regulatory system has been implemented to strengthen the supervision of livestock collateral, including unified registration and real-time monitoring mechanisms [4][5] - The introduction of digital identification for livestock and third-party supervision has been established to mitigate risks associated with collateral value depreciation or loss [5]