在河西走廊腹地的张掖临泽县，玉米制种是当地重要产业支柱。位于临泽县国家级玉米种子产业园的甘 肃中作农业科技股份有限公司，是一家智能化程度较高的玉米制种研发企业，其自动化程度达到玉米从 田间收获到制成种子全程不落地的程度。 该企业负责人表示，他们在2022年通过招商引资成立，随着市场不断拓展，在种子收购、日常运营等方 面的资金周转缺口随之显现。农行在"千企万户大走访"活动中了解到该企业的融资需求后，迅速组织信 贷团队开展"送贷上门"服务，不到一个月便发放"河西走廊种业贷"990万元，有效缓解企业资金周转难 题。 近年来，农行甘肃省分行聚焦"牛羊菜果薯药粮种"八大产业集群，扎实开展"一县一业一品"专项行动， 持续增加信贷投放。三年多来，该行累计投放县域贷款2052亿元，余额达1454亿元；涉农贷款余额716 亿元，占县域贷款49.23%。其中，八大产业客户25.3万户，较年初增加4.4万户，贷款余额278亿元。 走进甘肃天水市麦积区麦积镇，漫山遍野的苹果园郁郁葱葱。麦积镇北湾村种植户梁维鹏正在果园里施 肥、疏果。 "以往，每到春夏之交，降冰雹是我们最头疼的事。前不久，农行给我办了20万元贷款，不仅安上防雹 网，还 ...

Core Insights - The fourth China-Africa Economic and Trade Expo successfully held in Changsha, showcasing significant achievements in China-Africa cooperation with 176 projects signed, amounting to $11.39 billion [1] - Financial institutions play a crucial role in facilitating China-Africa economic cooperation, providing essential cross-border financial services to support trade and investment [1][4] Group 1: Economic Cooperation - The expo attracted representatives from 53 African countries and over 4,700 enterprises, highlighting the growing importance of this biannual event for fostering trade relationships [1][2] - The event serves as a platform for businesses to secure new trade agreements, with commercial banks acting as key facilitators in connecting enterprises [2][3] Group 2: Financial Services - Chinese banks, including the Export-Import Bank of China and major commercial banks, showcased their financial products aimed at enhancing cross-border trade and investment [1][4][11] - The introduction of efficient cross-border payment systems has significantly improved transaction speed and reliability for businesses engaged in trade with Africa [4][5] Group 3: Trade Opportunities - Various African products, such as Kenyan coffee and Tanzanian avocados, are increasingly finding markets in China, reflecting the growing trade dynamics between the two regions [6][7] - The expo also highlighted the potential for Chinese enterprises to expand into African markets, supported by tailored financial solutions from banks [7][8] Group 4: Infrastructure and Industry Development - Chinese banks are actively investing in infrastructure and industrial projects across Africa, with significant financing provided for over 130 projects in 27 African countries [11] - The focus is shifting towards high-value, technology-intensive sectors, indicating a transformation in the trade model between China and Africa [10][11] Group 5: Future Prospects - The ongoing collaboration aims to enhance the quality of economic ties, with banks developing targeted financial services to support the "Ten Major Cooperation Actions" between China and Africa [11][12] - The commitment to continuous cooperation is expected to drive further economic integration and development opportunities in both regions [12]

Core Insights - Tianjin Rural Commercial Bank reported total assets of 455.3 billion yuan, a year-on-year growth of 6.20% as of the end of 2024 [1] - The bank's net profit reached 2.946 billion yuan, with a growth rate of 5.98% [1] - The non-performing loan ratio improved to 1.5%, indicating enhanced asset quality [4] Financial Performance - Total liabilities amounted to 417.5 billion yuan, growing at 5.89% [1] - Operating income was 9.361 billion yuan, reflecting a growth of 3.34% [1] - The bank's net interest income accounted for 73.73% of total income, while non-interest income made up 26.27%, showing an improvement in income structure [5] Business Strategy - The bank adheres to a "six-pronged" operational philosophy focusing on differentiated operations, specialized services, and digital empowerment [1] - It aims to optimize its business structure by concentrating on inclusive finance, elderly finance, and green finance [2] Sector-Specific Initiatives - In technology finance, the bank established specialized branches and increased loans to tech enterprises by 24%, reaching 19.887 billion yuan [2] - Green loans surged by 57% to 19.212 billion yuan, significantly outpacing overall loan growth [2] - Inclusive finance initiatives led to a 9.11% increase in loans to small and micro enterprises, totaling 37.857 billion yuan [2] Risk Management and Compliance - The bank's non-performing asset ratio decreased to 1.79%, and the provision coverage ratio improved to 200.31% [4] - Core Tier 1 capital adequacy ratio stood at 11.74%, exceeding regulatory requirements by 4.24 percentage points [4] Future Outlook - The bank plans to focus on optimizing asset structure, enhancing retail capacity, and improving digital financial capabilities in 2025 [5]

■本报记者曹沛原 四月春耕正酣，鄂南田野间一派繁忙景象。农行湖北咸宁分行以创新"一村一品"金融服务模式为支点， 通过精准绘制产业图谱、创新信贷产品、深化银村协作三大举措，为乡村振兴注入强劲金融动能。 数据显示，该分行一季度累计投放农户贷款23.6亿元，惠及新型农业经营主体2493户，以金融活水润泽 春耕沃土。 该村种植大户曾军手持新购置的农业无人机感慨："多亏了农行25万元贷款，不仅圆了我的'飞手'梦， 播种效率还提升了5倍。" 截至3月末，全辖已建立5347户精准农户档案，完成15.7亿元授信额度，金融服务覆盖粮食、蔬菜、水 产等全产业链。 创新产品 赋能乡村振兴 针对农业蔬菜"短、频、快"的产业特点，农行咸宁分行创新推出了"惠农e贷—种业贷"特色信贷产品， 为蔬菜育种大户提供了快速、便捷的融资支持。 在"中国蔬菜之乡"嘉鱼县，种植大户们深有体会。"蔬菜从育苗到餐桌讲究一个'快'字，菜苗上市窗口期 一般就半个月，像我们这种靠地吃饭的，资金缺口说来就来。农行的'种业贷'真是帮了大忙，额度高、 利率低，而且随借随还，非常适合我们的周期性需求。"嘉鱼县众发蔬菜专业合作社负责人杨登左表 示。 下沉服务 绘制产业图谱 ...