近日，中国人民银行发布《2025年第三季度中国货币政策执行报告》。数据显示，我国信贷结构不 断优化，截至9月末，科技贷款、绿色贷款、普惠贷款、养老产业贷款、数字经济产业贷款分别同比增 长11.8%、22.9%、11.2%、58.2%、12.9%，均高于全部贷款增速。 "小微企业、'三农'主体等既是经济发展中的薄弱环节，也是银行信贷结构不断优化的重要着力 点。发展普惠金融既是补短板，也是增活力。"中国邮政储蓄银行研究员娄飞鹏在接受《金融时报》记 者采访时表示。 政策引领 构建分层次差异化服务体系 国家金融监督管理总局近日发布的数据显示，截至2025年三季度末，银行业金融机构普惠型小微企 业贷款余额36.5万亿元，同比增长12.1%。普惠型涉农贷款余额14.1万亿元，较年初增加1.2万亿元。 其中，大型商业银行主力军和压舱石作用的发挥十分突出。例如，三季报显示，截至9月末，农业 银行普惠贷款余额4.33万亿元，新增7311亿元；中国银行普惠型小微企业贷款余额突破2.71万亿元，比 上年末增长18.99%；建设银行普惠型小微企业贷款余额3.81万亿元，较上年末增加3976.90亿元；邮储 银行涉农贷款余额2.47万 ...

Core Insights - The article highlights the successful transformation of a small-scale sweet potato farming operation in Yunnan's Dehou Town, driven by financial support from Agricultural Bank of China, which provided a timely loan of 300,000 yuan at a preferential interest rate [1][2]. Group 1: Agricultural Development - The sweet potato farming area in Dehou Town has expanded from over 1,000 mu to more than 3,000 mu, establishing the village as a notable "sweet potato village" [2]. - The couple leading the farming initiative implemented innovative farming techniques, such as "deep ditch and ridge" planting and "staggered planting," which resulted in a yield increase of nearly 40% compared to traditional methods [2][3]. - The average yield for the couple's 800 mu of sweet potatoes reached 3,000 jin per mu, with selling prices increasing by 50% [2]. Group 2: Financial Support and Services - Agricultural Bank of China has introduced specialized loan products like "Sanqi Loan," "Ginger Loan," and "Konjac Loan" to support local agricultural industries, ensuring financial resources are directed towards the unique needs of these sectors [3]. - The bank's approach includes on-the-ground engagement with farmers to understand their operational conditions and tailor financial services accordingly [3].

Group 1: Agricultural Financing - The China Bank Qinhuangdao Branch has provided nearly 70 million yuan in funding support to over 120 agricultural entities during the spring plowing season, facilitating grain planting and agricultural supply [1] - The "Ginger Loan" product has been launched, with over 7 million yuan disbursed to more than 30 ginger farmers in the Funing District, enhancing the financial capacity of the ginger industry [2] - The bank's "Agricultural Machinery Loan" has enabled farmers to secure necessary funds for machinery maintenance and agricultural inputs, improving operational efficiency [1][2] Group 2: Livestock and Aquaculture Financing - The bank has introduced a "Company + Farmer" supply chain financing model, providing unsecured credit loans to livestock farmers, with over 20 million yuan allocated to more than 200 poultry farmers [2] - The "Marine Fishery Catch Loan" has been successfully implemented, assisting fishermen like Gan Huihai in upgrading their vessels, with 20,000 yuan loans disbursed within a day [3] - Financial support from the China Bank Qinhuangdao Branch is significantly contributing to the modernization and scaling of livestock and aquaculture operations in the region [3]