■本报记者 郝飞 在基础设施建设领域，银行业聚焦交通路网、新型城镇化配套等重点项目，量身定制金融服务方案。比 如，建设银行云南镇雄支行累计向宜毕高速、都香高速等区域交通重点项目投放贷款13亿元，同时向成 贵铁路建设项目注入3.17亿元资金。这些金融支持以交通升级缩短了城乡时空距离，为县域经济循环打 通了高效运转的"大动脉"。针对县域新型城镇化进程中的居住需求，该支行为镇雄"以勒陆港新城"重点 房地产项目开通信贷绿色通道，提供3000万元信贷支持，有效助力提升返乡创业人员、小微企业主等群 体的居住水平，为县城人口集聚与功能完善提供了有力支撑。 公共服务均等化是县城城镇化建设的重要民生导向，也是银行业发力的重点领域。比如，农发行山东省 夏津县支行精准对接当地民生需求，获批2.7亿元新型城镇化贷款，专项支持县域养老服务体系建设项 目。该项目创新采用"闲置教育资源养老化改造"模式，选取37所闲置农村小学进行适应性改造，同步推 进养老用房新建、现有养老院升级等工程，累计新增养老床位2150张。这些养老服务设施重点布局在县 城周边及乡镇核心区域，提供价格亲民的普惠型养老服务，涵盖住养、保健、康复等全维度功能，同时 衔接长 ...

人民日报记者 王观 今年9月，广西横州万亩茉莉花田正值采收季，收购商谢先生却为资金周转犯愁。关键时刻，中国银行 广西分行发放的80万元"茉莉花茶贷"，为他解了燃眉之急。而在数千里之外的陕西渭南，中国银行 的"粮食服务专班"奔走田间地头，"一对一"对接农户和收购商，保障销售渠道畅通。从两广丘陵到关中 平原，中国银行的普惠金融激活一池春水，滋养千村万乡。 从资金短缺到产业兴旺，中国银行助力"红果变金果""绿水青山变金山银山"。 在宁夏中宁，依托中国银行创新推出的"枸杞贷"，当地不少种植户主动进行扩种。随着产业链延伸，中 国银行又推出"宁科贷"产品，助力枸杞原浆、枸杞面膜等新产品研发，使小小红果实现更大价值。 中国银行陕西省分行则紧扣区域农业特色，依托县域分支机构的网点优势，在陕西各地针对性推出"猕 猴桃贷""苹果贷"等系列特色金融产品。"目前，我们已经打造了12个'菜篮子'金融服务场景，提供信贷 支持5亿余元，帮助陕西的特色农产品走向全国各地。"中国银行陕西省分行员工白泽亮介绍。 从基础服务到数字赋能，中国银行多方发力绘就宜居宜业和美乡村新画卷。 在浙江武义后陈村，中国银行投放了2000万元信贷资金，精准支持服务 ...

Core Viewpoint - Agricultural Bank of Chengdu Branch is actively promoting rural revitalization through innovative financial products and services, addressing the specific needs of local agricultural industries and enhancing the financial ecosystem in rural areas [1][2][3]. Group 1: Customized Financial Solutions - The bank has identified the mismatch between traditional credit models and rural industry needs as a key barrier to development, leading to the creation of tailored financial products [1]. - A specific case involved the introduction of a specialized loan, "Li Zi Dai" (Plum Loan), which provided 2 million yuan to a local association to build rain shelters, significantly improving the quality and market price of their produce [2]. - To date, the bank has disbursed a total of 26 million yuan in "Li Zi Dai," supporting 21 farmers and covering 80% of the core production area in the village [2]. Group 2: Comprehensive Financial Ecosystem - The bank is constructing a financial ecosystem that covers the entire agricultural value chain, facilitating collaboration among various stakeholders [3]. - In the kiwi industry of Pujiang County, the bank launched "Mi Hou Tao Dai" (Kiwi Loan) to address funding challenges across the production and trade sectors, resulting in a significant increase in the scale and quality of production [3]. - By September 2025, the bank had provided 30 million yuan in loans to the kiwi industry, benefiting over 60 clients along the supply chain [3]. Group 3: Innovative Service Models - The bank's team focuses on deeply engaging with rural communities and identifying local needs, exemplified by the support provided to a traditional condiment company that lacked collateral for loans [4]. - The introduction of "Dou Ban Dai" (Douban Sauce Loan) enabled the company to purchase new equipment, leading to a 50% increase in annual output and expanded market reach [4]. Group 4: Community Engagement and Education - The bank is exploring a "bank-government-village" collaboration model to establish a rural credit system, conducting numerous financial literacy events to educate local residents [5]. - As of September 2025, the bank's county-level loan balance exceeded 160 billion yuan, with a 21.4% growth in agricultural loans, reflecting its commitment to rural revitalization [5]. - The bank aims to continue innovating its products and services to provide ongoing support for rural development in the Chengdu area [5].

Core Insights - The article highlights the thriving kiwi fruit industry in China, particularly in regions like Jiangxi and Sichuan, where local farmers are experiencing a bountiful harvest and increased income due to favorable weather conditions and financial support from banks [1][2][3]. Group 1: Industry Overview - The kiwi fruit planting area in Fengxin County, Jiangxi exceeds 100,000 acres, with over 7,000 growers and an annual output value exceeding 900 million yuan [2]. - The "Xiangmi No. 8" kiwi variety developed by a local entrepreneur in Sichuan has gained significant market recognition, both domestically and internationally [3]. Group 2: Financial Support and Impact - Industrial banks, such as Industrial and Commercial Bank of China (ICBC), are actively providing financial products like "Zhongzhi e-loan" and "Kiwi loan" to support farmers in expanding their operations and improving infrastructure [2][3][5]. - A loan of 1.8 million yuan was issued to a kiwi planting company in Jiangxi to help them expand their planting scale and enhance infrastructure [2]. - A loan of nearly 3 million yuan was provided to a farmer in Sichuan to support the expansion of his kiwi business and increase collaboration with local farmers [3]. Group 3: Challenges Faced by Farmers - Farmers are facing challenges such as high development costs and long return periods, which create financial pressures that hinder their ability to expand operations [2][3]. - A farmer in Guizhou expressed concerns about hiring additional help for his expanding kiwi orchard due to financial constraints [4][5].

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]