转自：新华财经 近年来，农业银行成都分行作为金融服务乡村振兴的主力军在巴蜀大地的乡野里，以产品创新破解产业 痛点，以全链服务构建金融生态，以场景嵌入延伸服务触角，将普惠金融甘霖注入田间地头，探索出兼 具温度与效能的乡村振兴金融服务新路径，为成都地区乡村振兴高质量发展"贷"来强劲动能。 这种全链赋能，不仅做大了产业规模，更助推了产业升级。为支持蒲江县"有机肥替代化肥、绿色防控 替代化学防治"的"两个替代"工程，农行成都分行还专门配套相关信贷产品，引导产业向高质量、可持 续方向转型。种植户李大姐坦言，用有机肥种出的猕猴桃更受市场欢迎，农行的贷款让老百姓们更愿尝 试新技术。 截至2025年9月末，农行成都分行已向蒲江猕猴桃产业累计投放贷款3000万元，惠及60余户产业链上下 游客户，让蒲江猕猴桃成为名副其实的"绿色金果"。 模式革新：场景嵌入打通服务末梢 农行成都分行三农金融服务团队始终坚持"深耕乡村、深耕场景"的理念，有效打通金融服务群众的"最 后一公里"。位于郫都区的成都君乐园调味品开发有限公司是当地老牌豆瓣生产企业，随着市场需求增 长，老旧设备难以承担产能扩张需求，但因缺乏传统抵押物，贷款屡屡碰壁。农行成都分 ...

支持产业帮致富 ■本报记者 曹沛原 金秋迎丰收，瓜果产业旺。时下正值猕猴桃收获季，果农们正忙着采摘、销售，各地一派喜人的秋收景 象。工商银行持续加大涉农领域普惠金融供给，支持农产品稳产丰产、促进农民增收，让"金果果"成为 农户的"致富果"。 金融"及时雨"为史先生解了难题。工行雅安名山支行深入开展"千企万户大走访"活动，通过调研经营情 况与融资需求，为史先生量身定制贷款方案，依托"猕猴桃贷"特色产品为其发放近300万元贷款，有效 支持企业拓展合作农户、扩大种植面积，为史先生的产业扩张注入金融动能。"工行帮助我们'更上一层 楼'，坚定了我继续发展的信心。"史先生对未来斗志满满。 普惠赋能促丰收 金秋时节，在江西宜春奉新县的猕猴桃种植基地，饱满的果实缀满枝头，清香四溢。作为"中国猕猴桃 之乡"，奉新县具有得天独厚的自然条件，猕猴桃种植总面积超10万亩，种植户7000余户，综合年产值 超9亿元。 "得益于今年的好天气，猕猴桃品质格外好，甜度高、果形匀称，市场反响很好。"当地某农业开发公司 负责人涂先生介绍，"我们开发1000余亩土地用于猕猴桃种植，每亩收入可达1.5万元，带动周边200余 户村民的稳定就业。" 为了 ...

Group 1 - The Industrial and Commercial Bank of China (ICBC) has taken the lead in addressing "involution-style" competition, marking a significant stance among state-owned banks [1] - The National Financial Regulatory Administration has emphasized the need to prevent excessive credit to high-quality agricultural clients and to correct "involution-style" competition [1][2] - Various financial regulatory bodies and banking associations across multiple regions have called for the banking and insurance sectors to abandon "involution-style" competition and promote stable development [1] Group 2 - Non-normal competition can harm the overall industry ecosystem, especially when supply exceeds demand, leading to excessive competition for high-quality clients [2][3] - Financial institutions are encouraged to shift from homogeneous to differentiated services, focusing on their unique strengths to better serve clients [3] - The need for a self-regulatory mechanism, assessment mechanism, and innovation mechanism is highlighted to support the transition from homogeneous to differentiated services [3] Group 3 - Banks are increasingly integrating non-financial services into their offerings, particularly in community and industrial park settings, to enhance customer loyalty and better understand client needs [4][5] - The core value of non-financial services lies in face-to-face communication, which helps banks accurately capture the real needs of the agricultural sector [5] Group 4 - The concept of "co-opetition" is emerging, where banks can both compete and collaborate to provide differentiated products and services [6] - Proper competition can stimulate banks to offer better financial services, but it is essential to avoid disorderly competition [6] - Optimizing assessment mechanisms is crucial for guiding banks towards a "co-opetition" model, which is vital for improving the financial ecosystem [6]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) has taken a lead in addressing "involution" competition within the banking sector, emphasizing the need for rational and healthy competition to avoid detrimental impacts on the industry ecosystem [1][3] Group 1: Industry Competition Dynamics - ICBC is the first major state-owned bank to explicitly mention "anti-involution" in its mid-year meeting, following earlier statements against "price wars" [1] - The National Financial Regulatory Administration has highlighted the need to prevent excessive credit to high-quality agricultural clients and to correct "involution" competition [1] - Various local financial regulatory bodies and banking associations have called for the banking and insurance sectors to abandon "involution" competition and promote stable development [1][3] Group 2: Differentiation in Financial Services - The banking sector is facing challenges due to oversupply and homogenization of financial products, leading to unhealthy competition [3][4] - Banks are encouraged to leverage their unique strengths to provide differentiated financial services, moving from a focus solely on credit to a more comprehensive service model [4] - ICBC has introduced innovative products tailored to local agricultural needs, such as "Pepper Loan" and "Cherry Loan," to support rural revitalization [4] Group 3: Non-Financial Services Integration - Banks are increasingly focusing on non-financial services to enhance customer loyalty and better understand the needs of the agricultural sector [7][8] - The Construction Bank of Yaan has adopted a "service first, finance later" approach, engaging in community support and financial literacy initiatives to build trust with the agricultural community [7][8] Group 4: Collaborative Competition - There is a growing recognition of the need for banks to transition from pure competition to a "co-opetition" model, where they can collaborate to provide differentiated services [10][11] - Agricultural Bank of Yaan emphasizes the importance of self-regulation and collaboration among banks to avoid destructive competition and enhance service quality [10][11] - Effective task assignment and adaptive assessment mechanisms are crucial for guiding banks towards a cooperative approach in serving rural revitalization [11]