对接会期间，交行介绍了蚌埠经开区普惠金融服务方案。针对小微企业发展特点和全融资需求，聚力打 造了"股、债、贷、租、托"五大产品体系以及"链、圈、园"三大场景生态，有效串联创新链、产业链、 资金链和人才链，为科技型企业提供全链条全生命周期、多元化接力式的金融服务。（周金龙） 编辑：湛玮琦 钱智表示，本次对接会是政府搭台、银行助力、企业唱戏的生动实践，必能奏响产融共赢强音。下一 步，希望交行更好发挥专业优势，推动三"精准"落地：政策与需求精准匹配，推广信用贷、知产质押贷 等产品破解融资瓶颈；产业与金融精准耦合，针对传感谷芯片设计、临港智造等产业链定制"一链一 策"服务；服务与发展精准衔接，通过路演洽谈打通融资堵点。经开区将动态更新"白名单"企业库，联 合交行开辟绿色审批通道，做好"服务员"与"护航员"。 张耀表示，交行和经开区合作发起普惠科创服务专项行动，以"中国传感谷+临港产业园+大学科技 园"为重要着力点，搭建"一企一策"专属服务机制。交通银行将全力服务蚌埠打造"皖北区域金融服务中 心"，充分发挥"总行驻沪+金融全牌照"平台优势，针对经开区内科技型、制造业企业，提供"7+3+N"科 创融资产品和"主动授信"带 ...

Core Viewpoint - Rural commercial banks play an irreplaceable role in providing financial services to agriculture and rural areas, especially during the critical period of advancing the rural revitalization strategy [1][2]. Financial Support for Agriculture - The People's Bank of China has increased the re-lending quota for supporting agriculture and small enterprises by 300 billion yuan, bringing the total to 3 trillion yuan [2]. - Various rural commercial banks are innovating financial products to support rural revitalization, with Zhejiang Rural Commercial Bank providing half of the agricultural loans in the province [2]. - Tianjin Rural Commercial Bank has established a financial service plan for spring farming, ensuring timely credit support for key agricultural sectors [3]. Support for Small and Micro Enterprises - By the end of Q1 2025, the balance of inclusive loans for small and micro enterprises reached 35.3 trillion yuan, a year-on-year increase of 12.5% [5]. - Jiangsu Rural Commercial Bank aims to provide no less than 50 billion yuan in loans for rural construction throughout the year [3]. - Beijing Rural Commercial Bank has engaged in extensive outreach to support small and micro enterprises, with over 4000 credit approvals totaling more than 20 billion yuan [6]. Innovation and Digital Transformation - Rural commercial banks are focusing on digital transformation to enhance service efficiency and customer experience [7][8]. - The implementation of "silver-tax interaction" mechanisms is helping rural banks address issues like insufficient credit ratings for agricultural enterprises [7]. - Innovative products like "Science and Technology Loans" and "Intellectual Property Pledge Loans" are being introduced to meet the financing needs of technology-based small enterprises [8]. Future Directions - Experts suggest that rural commercial banks should optimize internal policies and processes to better support weak links in agricultural financing [4]. - There is a call for establishing a government-led agricultural credit guarantee system to improve the rural financial risk compensation environment [4]. - The need for enhanced policy support and a robust evaluation system for inclusive finance is emphasized to ensure sustainable growth in rural financial services [6][9].