田间地头，牛羊茁壮，温室大棚映照希望之光；村落巷陌，农家乐里笑语盈盈，特色产业涌动蓬勃生 机。在这幅乡村振兴的生动图景背后，中国农业银行临夏分行持续注入的金融活水，正润物无声地滋养 着河州大地。 近年来，农行临夏分行始终将服务"三农"作为重大政治责任与历史使命，尤其注重将资源与政策向东乡 县、积石山县、永靖县等重点帮扶区域倾斜，全心投入乡村振兴金融实践。截至2025年11月末，农行临 夏分行各项贷款余额达116.92亿元，其中，涉农贷款余额45.78亿元，较年初增长6.86亿元，增速达 17.64%；农户贷款余额24亿元，较年初净增6.59亿元，创历史新高。这些数字是该行扎根临夏乡村热 土，聚焦产业升级与农户增收，持续创新金融产品与服务模式的坚实印记。 巩固成果 织密防返贫保障网 在地方政府与金融部门协同推进特色美食产业发展的背景下，临夏市俊林清真肉制品有限责任公司2025 年上半年计划扩大生产，却因缺乏传统抵押物面临融资困境。了解企业难处后，农行相关支行行长带队 深入厂房，实地考察公司生产流程，分析经营流水，并重点评估其核心专利价值，最终为企业精准匹 配"科技e贷"产品，高效审批纯信用贷款1000万元。"这 ...

（来源：甘肃金融） 党的二十届四中全会通过的《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》，对"加快高 水平科技自立自强，引领发展新质生产力"作出战略部署，明确提出"推动科技创新和产业创新深度融合"的重 大任务。其中，科技金融被列为金融行业的重点发展方向，旨在强化对新质生产力的金融支持，坚守风险底 线，为实现高水平科技自立自强提供坚实支撑。 该行迅速组建工作专班，主动对接国家数据中心集群（甘肃·庆阳）"东数西算"产业园区，将金融服务嵌入项 目规划与建设全周期。重大科技基础设施投资规模大、建设周期紧，传统的信贷流程难以匹配其节奏。为 此，农行甘肃省分行专门开辟信贷审批绿色通道，针对数据中心机架搭建、高速算力网络铺设等核心需求， 提供定制化融资方案。 高效，是赢得客户的关键。凭借专业的服务团队和高效的联动机制，农行甘肃省分行成功为园区内重点算力 建设企业授信16亿元，并为一家重大算力企业快速审批发放固定资产贷款3亿元，有力保障了项目建设的资金 需求。从账户开立、资金结算到履约保函、项目融资，农行提供的"一站式"服务，成为"东数西算"工程在庆 阳落地生根的金融加速器。这不仅是简单的贷款投放，而且是农行 ...

Core Viewpoint - Agricultural Bank of China has become the world's largest commercial bank by market capitalization, reaching approximately 2.74 trillion RMB (about 386.9 billion USD) as of October 30, 2025, reflecting its strategic positioning in serving rural revitalization and the real economy [2]. Financial Performance - For the first three quarters of 2025, Agricultural Bank reported operating income of 550.8 billion RMB and net profit of 222.3 billion RMB, representing year-on-year growth of 1.97% and 3.28% respectively [2]. - The total asset scale of the bank exceeded 48 trillion RMB by the end of the reporting period [2]. County-Level Business Growth - As of September 2025, the bank's county-level loan balance reached 10.90 trillion RMB, growing by 10.57% since the beginning of the year, maintaining over 40% of the bank's total loan proportion [3][18]. - The bank's non-performing loan ratio improved to 1.27%, a decrease of 3 basis points from the beginning of the year [3]. Rural Financing Initiatives - The "Fumin Loan" program has disbursed 273.29 billion RMB, benefiting 321,600 rural households across 14 cities in Gansu province [5]. - The "Huinong e-loan" program has provided 930.92 billion RMB in loans, serving 1,168,700 rural households [5]. Innovative Financial Products - The "Electricity Bill e-loan" product allows small enterprises to secure loans based on their electricity usage data, addressing financing challenges for new businesses [11]. - The "Live Asset Mortgage Loan" has evolved into the "Smart Livestock Loan," utilizing AI technology for monitoring livestock, enhancing efficiency in the lending process [13]. Strategic Partnerships and Projects - Agricultural Bank has established a strategic partnership with China Green Development Group, facilitating financing for multiple renewable energy projects, with a total approval amount of 25.84 billion RMB since 2021 [18]. - The bank's rapid loan approval process has been highlighted in projects like the 300 MW compressed air energy storage project, where it completed a 9 billion RMB loan approval swiftly [14][16]. Conclusion - Agricultural Bank's focus on county-level business and innovative financial products positions it as a leader in rural finance, contributing to its competitive advantage and potential for revenue growth in the future [18].

Core Viewpoint - Agricultural Bank of China has become the world's largest commercial bank by market capitalization, reaching approximately 2.74 trillion RMB (about 386.9 billion USD) as of October 30, 2025, reflecting its strategic positioning in serving rural revitalization and the real economy [1]. Financial Performance - For the first three quarters of 2025, Agricultural Bank reported operating income of 550.8 billion RMB and net profit of 222.3 billion RMB, representing year-on-year growth of 1.97% and 3.28% respectively [1]. - The total asset scale of the bank exceeded 48 trillion RMB by the end of the reporting period [1]. County-Level Business Growth - As of September 2025, the bank's county-level loan balance reached 10.9 trillion RMB, a growth of 10.57% from the beginning of the year, maintaining over 40% of the bank's total loan portfolio [2][21]. - The bank's non-performing loan ratio improved to 1.27%, a decrease of 3 basis points from the start of the year [2]. Rural Financing Initiatives - The "Fumin Loan" program has disbursed 273.29 billion RMB, benefiting 321,600 farmers across 14 cities in Gansu province [4]. - The "Huinong e-loan" program has provided 930.92 billion RMB in loans, serving 1,168,700 farmers [4]. Innovative Financial Products - The bank has introduced innovative products like "Electricity Bill e-loan," which uses actual electricity usage data as a basis for credit assessment, facilitating financing for small and micro enterprises [11]. - The "Live Asset Mortgage Loan" has evolved into the "Smart Animal Husbandry Loan," utilizing AI technology for livestock identification, enhancing efficiency in loan management [16]. Strategic Partnerships and Projects - Agricultural Bank has established a strategic partnership with China Green Development Group, supporting multiple renewable energy projects with a total approval amount of 25.84 billion RMB since 2021 [21]. - The bank's rapid loan approval process has been highlighted in projects like the 300MW compressed air energy storage project, where it completed a 9 billion RMB loan approval swiftly [17][20].

Core Insights - The Hexi Corridor, historically significant as part of the Silk Road, is experiencing revitalization through unique agricultural and renewable energy developments driven by financial support [2][3]. Financial Support and Agricultural Development - Agricultural Bank's timely financial assistance has enabled local farmers to overcome funding challenges, facilitating the growth of organic vegetable farming in Gansu [3][4]. - The introduction of flexible loan products like "Fumin Loan" has encouraged farmers to expand operations, leading to significant increases in income and employment opportunities [4][8]. - Ma Zhaocun's organic vegetable base has grown to 3,600 acres, generating sales of 42 million yuan in 2024, with an average income of 35,000 yuan per acre, five times higher than conventional vegetable farming [4][8]. Specialty Crop Production - The region has become known for its high-quality grapes, with over 10,000 acres dedicated to grape cultivation, yielding more than 20,000 tons annually and generating over 50 million yuan in revenue [7][8]. - Financial support from Agricultural Bank has enabled local farmers to upgrade their production methods, enhancing both quality and profitability [7][8]. Seed Production Industry - Zhangye is recognized as the largest corn seed production base in China, with over 1 million acres dedicated to seed production, accounting for nearly half of the national seed supply [8][12]. - The Agricultural Bank's "Hexi Corridor Seed Loan" has provided crucial funding to ensure timely operations during critical production periods [8][12]. Dairy Farming Innovations - Dairy farming in Gulang County has faced challenges due to funding and asset limitations, prompting the introduction of the "Smart Livestock Loan" to leverage livestock as collateral [12][13]. - The bank's innovative approach includes real-time monitoring of livestock through IoT technology, enhancing asset management and reducing credit risk [14][13]. Renewable Energy Development - The region is transforming its ecological disadvantages into advantages for renewable energy, with significant solar and wind energy projects underway [16][17]. - Agricultural Bank has committed substantial financing to support these projects, including a 15 billion yuan credit line for a solar power project [18][17]. - The introduction of energy storage solutions is addressing the challenges of renewable energy intermittency, with significant investments in compressed air storage technology [18][19]. Credit Innovations - The "Electricity e-Loan" product allows businesses to leverage their electricity payment history as a basis for credit, promoting sustainable agricultural practices [19][18]. - This innovative financing model supports the development of modern irrigation technologies, enhancing water efficiency in agriculture [19][18].

Core Viewpoint - The article emphasizes the importance of county-level economies in China's modernization, highlighting their role as the foundation of the national economy and their potential for future domestic demand growth [2]. Financial Support in County Economies - Financial institutions are crucial in providing support to county economies, particularly in facilitating the last mile of service to the real economy [2]. - Agricultural Bank of China (ABC) has initiated various loan products tailored for county-level agricultural enterprises, such as the "Grain Farmer e-loan" and "River West Corridor Seed Loan," which have shown high efficiency in disbursing funds [4][5]. Case Studies of Financial Impact - In Gansu's Zhangye, a seed company faced cash flow issues but received a quick loan of 10 million yuan from ABC, demonstrating the bank's responsiveness [4]. - In Guangxi's Bo Bai County, 83% of grain farmers struggled to secure loans due to lack of collateral, but ABC's innovative data-driven "Grain Farmer e-loan" provided them with access to credit based on subsidy records [4]. Agricultural and Industrial Development - ABC's loans have significantly supported local agricultural enterprises, such as the Gansu Jiabinyun Dairy Company, which has received continuous financial backing to maintain operations and support local employment [7][10]. - The bank's innovative "Smart Animal Husbandry Loan" allows live cattle to serve as collateral, addressing the issue of insufficient physical assets for loans [9]. Infrastructure and Technological Advancements - Financial support is extending beyond traditional agriculture to include modern agricultural facilities, such as drip irrigation systems, which enhance water efficiency [16][20]. - ABC has developed products like "Electricity Fee e-loan," which uses stable electricity payment records as a basis for credit approval, showcasing a shift towards data-driven lending [19][23]. Community and Trust Building - The "Financial Village Director" model has been implemented to enhance trust and efficiency in loan approvals, connecting banks with local communities [29][31]. - ABC's efforts in building a comprehensive financial service network have resulted in significant loan disbursements to farmers, improving their livelihoods and economic stability [28][32]. Conclusion - The article concludes that financial services are evolving from merely providing funds to becoming integral components of county economic development, fostering growth and resilience in local communities [34].

Core Insights - The articles highlight the significant role of financial institutions, particularly Agricultural Bank of China (ABC), in supporting agricultural and rural development through innovative lending solutions tailored to the needs of farmers and agricultural enterprises [1][2][3][4][5][6][7][8][9][10][11][12][13][14][15][16][17] Group 1: Financial Support for Agriculture - ABC has launched various loan products such as "Grain Farmer e-loan" and "Smart Animal Husbandry Loan" to provide financial support without requiring traditional collateral, thus facilitating timely access to funds for farmers [2][4][6][17] - The bank's innovative approach includes using data from agricultural subsidies and electricity payments to assess creditworthiness, allowing farmers to secure loans based on their operational data rather than physical assets [9][12][16][17] - As of June 2025, ABC's loans for grain and important agricultural products reached 12.4 trillion yuan, with "惠农e贷" (Huinong e-loan) product balances exceeding 1.79 trillion yuan, indicating a robust demand for agricultural financing [2][17] Group 2: Impact on Local Economies - Financial support from ABC has been crucial in stabilizing local economies, particularly in rural areas, by ensuring that agricultural enterprises can maintain operations and support local employment [3][5][6][8][10][14] - The bank's initiatives have led to increased income for farmers, with reports of average annual income rising significantly due to access to timely financial resources [10][15][17] - The integration of financial services into agricultural production and processing is transforming the landscape of rural economies, making them more resilient and sustainable [6][12][17] Group 3: Innovative Lending Mechanisms - ABC has developed a "Financial Village Director" model, where local leaders assist in identifying trustworthy borrowers, enhancing the efficiency of loan approvals and fostering community trust [15][17] - The bank's focus on data-driven lending practices allows for quicker loan disbursements, with some loans being processed in as little as three days, thus meeting urgent financial needs of farmers [9][16][17] - The expansion of financial services into areas such as renewable energy projects and cultural heritage preservation demonstrates the bank's commitment to supporting diverse aspects of rural development [11][12][17]

Core Insights - The article highlights the innovative financing solution provided by Agricultural Bank of China, which allows a company to secure loans based on electricity payment data, demonstrating a new approach to credit assessment in the agricultural sector [1][3]. Company Overview - Wuwei Yuanshuo Water-Saving Development Co., Ltd. was established in 2024 and specializes in the production of water-saving agricultural facilities such as drip irrigation belts [3]. - The company has experienced a surge in orders and plans to expand its production line, indicating strong market demand for its products [3][6]. Financing Solution - The Agricultural Bank of China’s Wuwei Liangzhou Branch identified the company's strong credit demand and provided a loan of 2 million yuan based on its electricity payment data, which reflects actual production levels [1][3]. - This "Electricity Payment E-Loan" is a new product developed by the bank, aimed at addressing the financing challenges faced by small and micro enterprises in the region [6][8]. Market Context - The demand for drip irrigation systems has increased significantly due to the promotion of high-standard farmland construction in Gansu Province, leading to a shortage of supply from traditional small workshop-style producers [6][8]. - The company’s production efficiency is notably higher than traditional methods, producing drip irrigation belts that are more effective and cost-efficient, thus benefiting farmers [6][8]. Risk Management - The bank's approach to using electricity consumption data as a credit assessment tool helps mitigate risks associated with lending to enterprises lacking traditional collateral [6][8]. - The successful implementation of this financing model is seen as a practical example of structural reform in financial supply, addressing the challenges of financing for agricultural enterprises [8].

Core Insights - Gansu Province's Wuwei City is innovating in inclusive finance, with a focus on supporting rural economic development through various financial policies and mechanisms [1][2][3] Group 1: Financial Development Initiatives - The People's Bank of China in Wuwei has implemented a combination of policies including "re-loans + loan interest subsidies + fund rewards + risk compensation" to enhance inclusive finance [1] - As of July, the total loan balance in Gulang County reached 15.012 billion, a year-on-year increase of 10.22%, with inclusive micro-loans at 1.931 billion, up 12.43% [1] - The Gulang Rural Commercial Bank's re-loan balance for supporting agriculture and small enterprises reached 251 million, 2.1 times its original credit limit, benefiting market entities with a total of 7.16 million in savings this year [2] Group 2: Policy Support and Implementation - A comprehensive implementation plan for high-quality development of inclusive finance was jointly developed by the People's Bank of China and multiple departments, focusing on enhancing credit supply and reducing costs [2] - Gulang County has issued 330 million in industry reward funds since 2022, and in 2024, it initiated fresh milk price insurance, providing 14.26 million in insurance claims to support farmers [3] Group 3: Agricultural and Livestock Industry Support - The financial support has significantly bolstered the livestock industry, with loans for the sheep and cattle breeding sector reaching 3.834 billion, accounting for 25.54% of total loans [4] - Gulang Aomei Sheep Industry Co., Ltd. received a 4 million loan backed by 6,831 sheep, which not only resolved immediate funding issues but also engaged 150 local farmers in sheep breeding [4] Group 4: Financial Services and Accessibility - Financial institutions in Gulang County have launched various products like "Xinglong Entrepreneurship Loan" and "Micro Quick Loan," enhancing financing convenience for different industries [5][6] - The Agricultural Bank of Gulang County provided a 1 million loan to a local plastic products company by using electricity bill data as collateral, showcasing innovative financing solutions [6]