龙山县城往北三十公里，茨岩塘镇的层层梯田间，农民彭重波正蹲在自家百合地里，检查新一茬根 茎的长势。5年前，这位肤色黝黑的土家族汉子还守着几亩薄田，每年收入勉强超过8万元。如今，他经 营的百合种植面积已扩至50亩，年收入超过100万元。 改变始于一张淡红色的贷款证。 龙山农村商业银行茨岩支行行长李杰、客户经理肖璇每周3天背着移动终端设备，在崎岖山路上步 行走访。他们的平板电脑里装着专门的"普惠助手"系统，可以现场采集农户信息、测算授信额度、生成 二维码。 "扫这个码，在手机银行上点几下，钱就到账了。"肖璇向一位养殖户演示。10分钟后，5万元贷款 打入了对方账户，利率3.9%，比当地普通农户贷款低2个多百分点。 这么优惠的利率，能满足商业可持续发展吗？李杰给《金融时报》记者算了笔账："我们辖内的红 军村共18个，在我们服务的397个村中占比不到5%。这些村贷款平均利率低，但违约率也低——老区群 众特别珍视信用，贷款不良率仅0.12%，远低于行业平均水平。" 更重要的是，这种"红色+金融"模式产生了产业带动成效。在永顺县塔卧镇，获得贷款支持的农户 开发出"红军茶""红军酒"等特色产品；在龙山县，红色研学旅游带动了民 ...

Core Viewpoint - China Ping An is actively participating in the rural revitalization strategy by integrating financial services with technological innovation to support local agricultural development and enhance rural livelihoods [5][19][25]. Group 1: Financial Support and Technological Integration - China Ping An has launched a "Rural Revitalization Plan" for Guangxi, focusing on enhancing local agricultural products like the "Crispy Honey Kumquat" through financial and technological support [11][19]. - The company has implemented a comprehensive support system that includes low-interest loans, insurance coverage for agricultural risks, and e-commerce infrastructure to facilitate the sale of local products [19][21]. - The integration of IoT and AI technologies in monitoring ancient tea trees in Guangdong exemplifies how financial services can be combined with technology to protect natural heritage and promote sustainable agriculture [5][7][24]. Group 2: Insurance Innovations - China Ping An has introduced innovative green insurance products, including "Ancient Tree Protection Insurance," with a total coverage amount of 2.08 billion yuan for ancient tea trees in Guangdong [7][24]. - The company aims to provide risk protection for over 25,199 ancient trees in Guangdong by 2025, contributing to the preservation of local biodiversity and cultural heritage [7][19]. - The "Ping An Ancient Tree Protection Action" has already provided over 1 billion yuan in risk protection for more than 55,000 ancient trees nationwide, reflecting the company's commitment to environmental sustainability [7][19]. Group 3: Community Engagement and Development - China Ping An has engaged in over 400 rural support projects across the country, focusing on local characteristics and sustainable development [16][25]. - The company has invested over 60 million yuan in various rural revitalization initiatives, directly supporting agricultural and infrastructure development in Guangdong [7][19]. - The "Red and Green Light" public welfare initiative has improved road safety in rural areas, benefiting over 200,000 villagers and enhancing connectivity between rural communities and urban markets [21][25]. Group 4: Long-term Vision and Strategy - The company emphasizes a shift from "blood transfusion" poverty alleviation to "blood-making" sustainable development, aiming to create a self-sustaining ecosystem for rural economies [17][19]. - China Ping An's approach aligns with the national strategy for agricultural modernization and rural revitalization, focusing on comprehensive support across the agricultural value chain [17][25]. - The company's commitment to integrating financial services with local agricultural practices is seen as a model for future rural development initiatives in China [19][25].

"诚信是城市发展的精神内核，更是优化营商环境的关键支撑。"兰州市发展改革委主任苏田表示，近年 来，兰州以巩固拓展全国社会信用体系建设示范区成果为牵引，推动城市信用监测稳居西部省会及副省 级以上城市首位，"金诚有信"成为这座城市越来越亮的品牌名片。 兰州在全国率先建成市、县"一体化"信用信息平台，归集企业水、电、气、纳税、社保等公共信用信息 及自然人信用信息达7.4亿条，为全市43万户市场主体精准绘制"信用画像"。平台累计提供信用服务 1320万余次，并与工改审批、公共资源交易等6个业务系统实现互通共享。 中新网兰州11月25日电 兰州市委常委、市政府常务副市长潘喆25日表示，兰州连续3年入选全国营商环 境创新城市，连续4年位居甘肃省营商环境考评第一。全市54%的营商环境指标在全国靠前，81%的指 标在西部领先。 在西部省份甘肃全力推进优化营商环境三年行动之际，省会兰州以一项关键突破引发关注：在全国社会 信用体系建设成果观摩中，兰州市从77个参赛城市中脱颖而出，斩获预赛第一、总决赛"创新单位"的佳 绩，创下自2017年该活动举办以来甘肃省最好成绩。 当日，甘肃省政府新闻办举行决胜"西部领先、全国靠前"全省优化营 ...

Core Insights - The article highlights the innovative use of carbon credits as collateral for loans in Xiangxi, showcasing the integration of green finance into local economic development [1][2][3] Group 1: Carbon Credit Financing - A local agricultural technology company in Huayuan County became the first holder of Xianglin carbon credits, leveraging a carbon reduction of 39,850 tons of CO2 equivalent from 565.37 hectares of forest land [1] - The Industrial and Commercial Bank of China (ICBC) Xiangxi branch initiated a carbon credit pledge loan program, providing a loan of 3 million yuan to support the company's ecological park construction [1] - The total green loan balance in Xiangxi reached 21.865 billion yuan by the end of Q2 2025, marking a 16.35% increase from the beginning of the year [1] Group 2: Green Finance Development - The People's Bank of China Xiangxi branch is actively promoting green finance by establishing a three-tier transformation system for forest carbon credits, facilitating the marketization of ecological products [2] - Agricultural Development Bank of China (ADBC) Huayuan County branch approved a carbon credit pledge loan of 79 million yuan to support agricultural project financing [2] - The Xiangxi government has introduced a plan to encourage financial institutions to support the green transformation of the mining industry, with a specific loan of 5 million yuan allocated for mining process upgrades [4] Group 3: Institutional Framework - The People's Bank of China Xiangxi branch is enhancing the green finance institutional framework by collaborating with multiple departments to implement a green finance development plan [3] - Local banks have increased their green credit investments, with ADBC Xiangxi branch providing 905 million yuan in loans to key clean energy projects [3] Group 4: Mechanisms and Evaluation - The Xiangxi branch of the People's Bank of China is strengthening supervision and establishing a multi-departmental working group to ensure the effective implementation of green finance policies [5][6] - Local financial institutions are developing a three-dimensional credit enhancement system to address the financing challenges faced by green agricultural projects [7] Group 5: Innovative Financial Products - The "Tea Loan" product from Baoping Rural Commercial Bank exemplifies the integration of green finance with local agricultural industries, offering quick access to credit for tea farmers [8] - Other tailored financial products, such as the "Bier Navel Orange Loan," have been developed to support specific agricultural sectors, demonstrating the commitment of local banks to rural revitalization [8]

Core Viewpoint - The development of the organic lily industry in Yongjing County is significantly supported by financial services, enhancing local agricultural productivity and providing economic benefits to farmers [1][6]. Financial Support and Services - The Yongjing County Rural Credit Cooperative has implemented a "Financial Assistant + Whole Village Credit" model, appointing 18 financial assistants to promote financial services and provide preferential loan terms to creditworthy farmers [2][3]. - A total of 1.46 billion yuan in loans has been issued to 2,060 farmers in the lily industry, with agricultural loans accounting for 76% of the total loan balance in the county [2][3]. Agricultural Development and Market Connection - The Liujiashan Agricultural Development Group plays a crucial role in connecting farmers to markets, employing a cooperative model that includes farmers' cooperatives and processing bases to ensure stable raw material supply [4][5]. - The organic certification area has increased to 92,800 acres, with the lily industry becoming a significant source of income for local residents [6]. Future Prospects - The People's Bank of China in Linxia plans to continue focusing on organic agriculture as a key economic advantage, aiming to direct financial resources more effectively to critical segments of the industry chain [6].