支持产业帮致富 ■本报记者 曹沛原 金秋迎丰收，瓜果产业旺。时下正值猕猴桃收获季，果农们正忙着采摘、销售，各地一派喜人的秋收景 象。工商银行持续加大涉农领域普惠金融供给，支持农产品稳产丰产、促进农民增收，让"金果果"成为 农户的"致富果"。 金融"及时雨"为史先生解了难题。工行雅安名山支行深入开展"千企万户大走访"活动，通过调研经营情 况与融资需求，为史先生量身定制贷款方案，依托"猕猴桃贷"特色产品为其发放近300万元贷款，有效 支持企业拓展合作农户、扩大种植面积，为史先生的产业扩张注入金融动能。"工行帮助我们'更上一层 楼'，坚定了我继续发展的信心。"史先生对未来斗志满满。 普惠赋能促丰收 金秋时节，在江西宜春奉新县的猕猴桃种植基地，饱满的果实缀满枝头，清香四溢。作为"中国猕猴桃 之乡"，奉新县具有得天独厚的自然条件，猕猴桃种植总面积超10万亩，种植户7000余户，综合年产值 超9亿元。 "得益于今年的好天气，猕猴桃品质格外好，甜度高、果形匀称，市场反响很好。"当地某农业开发公司 负责人涂先生介绍，"我们开发1000余亩土地用于猕猴桃种植，每亩收入可达1.5万元，带动周边200余 户村民的稳定就业。" 为了 ...

Core Viewpoint - The successful issuance of a 3 million yuan forest rights mortgage loan by ICBC's Hezhou Zhongshan branch effectively addresses the funding challenges faced by a local comprehensive forestry enterprise, demonstrating the bank's commitment to supporting the real economy and rural revitalization [1][2]. Group 1: Financing Innovation - Forest rights mortgage loans utilize land use rights and timber ownership as collateral, providing an innovative financing model that expands funding channels for agricultural and forestry enterprises [2]. - The enterprise that received the loan has a diverse range of operations including timber planting, procurement, processing, and sales, but faced funding shortages due to a lack of traditional collateral [2]. - ICBC's Hezhou Zhongshan branch quickly developed a tailored financing solution based on the enterprise's quality forest rights assets, completing the loan process in approximately 10 working days [2][3]. Group 2: Activation of Green Assets - The issuance of the forest rights mortgage loan exemplifies the bank's efforts to transform local ecological resources into financial assets, thereby activating dormant forest rights assets [3]. - This financing model not only meets the enterprise's immediate funding needs but also contributes to the sustainable development of the local forestry economy [3]. Group 3: Support for Rural Revitalization - ICBC's Hezhou Zhongshan branch focuses on serving the real economy through inclusive finance, providing targeted support for small and micro enterprises as well as agricultural businesses [4]. - The bank has introduced various specialized financial products, such as "Planting e-loan" and "Xiangyu loan," successfully supporting multiple agricultural enterprises and industry clusters [4]. - As of August 2025, the bank's inclusive loan balance reached 200 million yuan, with a year-to-date increase of 27 million yuan, reflecting a growth rate of 15.6% [4]. Group 4: Long-term Development Strategy - The bank plans to deepen cooperation among government, banks, and enterprises, continuing to promote forest rights mortgage loans and other specialized business experiences [5]. - Emphasis will be placed on increasing credit support for green industries and rural revitalization, optimizing service models and financial resource allocation [5]. - The bank's leadership highlights the importance of enhancing the quality and efficiency of inclusive financial services to meet diverse financing needs [5].

当前金融服务农村改革赋能乡村全面振兴面临的主要挑战 乡村振兴战略作为新时代"三农"工作的总抓手，是实现中华民族伟大复兴的重要基石。金融服务作为现 代经济的核心，在推动乡村全面振兴过程中扮演着不可或缺的角色。2025年7月，中国人民银行与农业 农村部联合发布了《关于加强金融服务农村改革 推进乡村全面振兴的意见》，这一文件再次为农村金 融系统改革和服务乡村振兴提供了明确的指引和方向，有助于破解农村金融供给不足的现实瓶颈，引导 更多金融资源流向农村，为乡村全面振兴提供坚实的金融支持。 乡村振兴战略下金融服务农村改革的新定位 （一）从"输血"到"造血"：金融服务理念的转变。党的十八大以来，在政策引导和市场推动下，我国农 村金融体系持续完善，基本形成了政策性金融、商业性金融、合作性金融协调发展的多层次格局，实现 了"乡乡有网点、村村通服务"。截至2024年末，全国涉农贷款余额为51.4万亿元，支小再贷款余额为 1.75万亿元，"三农"信贷支持力度不断加大。然而，农村金融往往被定位为"输血式"扶持，即单纯的资 金供给。随着乡村振兴战略的深入推进，这种传统模式已难以满足农业农村高质量发展的需求。当前， 金融服务农村改革应更 ...

9月23日是农历秋分，也迎来了第八个中国农民丰收节。工商银行上海市分行立足国家所需、金融所 能、工行所长、民生所盼，实施城乡联动发展战略，建立全方位多层次的金融支农服务体系，不断增强 乡村金融服务的适应性和普惠性，扎实推进乡村振兴战略有效实施。 加强政策引领，构建支农服务体系 工行上海分行加强顶层设计，建立系统化工作机制，分类施策推进乡村振兴。分行层面成立金融服务乡 村振兴领导小组统筹推进；支行层面打造乡村振兴重点支行、特色支行及协同支行，全面构建服务乡村 全面振兴的组织架构，形成多层次金融支农服务体系。 2025年8月末，工商银行上海市分行涉农贷款余额突破450亿元。下一步，工行上海分行将继续深入贯彻 党中央、国务院关于"三农"工作的决策部署，学习运用"千村示范、万村整治"工程经验，立足上海、服 务长三角、辐射全国，在推进乡村全面振兴、加快建设农业强国的新征程上贡献更多金融力量。 支持农业基建，绘就和美乡村画卷 重点支持农业设施、冷链物流、乡村道路、供水供电等基础设施建设，推广设施农业专项服务。在上海 郊区与长三角生态绿色一体化示范区打造和美乡村示范项目。为产地冷链集配中心、物流企业配送中心 项目、农业基础 ...

稻浪翻金季，硕果盈枝时。伴着丰收的欢歌，又到了一年农民丰收节。 在这片充满希望的土地上，除了忙碌的农人，还有一群特殊的"陪伴者"——工商银行正以"有温度、有力度、 有深度"的金融服务，为丰收保驾护航，为乡村振兴注入源源不断的动力。 在河南、天津等地，工商银行推进乡村人居环境治理，新建农村污水处理设施、污水管网，改造农户厕所， 同时配套建设公共厕所、垃圾中转站等，惠及百余个行政村。 乡村的"面子"要靓，"里子"更要实。工商银行深知，完善的基础设施是村镇焕新的前提，更是乡村治理的"硬 件基础"。 在秋收之期，累累硕果也见证着工行的"丰收答卷"：2021年以来，工商银行在"三农"领域融资投放超过11万 亿元，截至2025年6月末，涉农贷款余额近5万亿元，较2021年初翻了一番。 工商银行执金融画笔，描绘出一幅"兴村、兴业、兴民"的乡村振兴新图景。 运"兴村"之笔着色乡村焕彩 从阡陌纵横的田野到错落有致的村落，从传统农耕的坚守到数字治理的革新，乡村的每一次蝶变，都离不开 金融力量的深度赋能。 作为党领导下的国有大行，工商银行始终胸怀"国之大者"，积极响应"国之所需""民之所盼"，以金融服务乡 村振兴主力银行为目标，扎 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is enhancing product innovation to support the entire value chain of traditional Chinese medicine (TCM) materials, contributing to rural revitalization and agricultural prosperity [1] Group 1: Financing Support for TCM - ICBC has launched the "Julu Honeysuckle Loan" to provide credit support for the cultivation, procurement, and processing of honeysuckle in Julu County, addressing the financial challenges faced by local farmers [2] - The bank's "Planting e-loan" has provided nearly 1.5 million yuan to a cooperative in Min County, Gansu, to support the cultivation of cat tail grass, alleviating financial pressures for farmers [3] - In Wuchuan County, Guizhou, ICBC issued nearly 1 million yuan in loans to a cooperative for purchasing advanced drying equipment, facilitating the growth of the local traditional medicine industry [4] Group 2: Agricultural Development and Innovation - Julu County's honeysuckle production accounts for over 60% of the national output, highlighting its significance as a key agricultural product [2] - The cooperative in Min County has developed a model of "cooperative + base + farmers," enhancing the economic viability of cat tail grass cultivation [3] - The focus on "one county, one industry" in Wuchuan County emphasizes the strategic development of traditional Chinese medicinal herbs, with the local cooperative planning to expand its operations [4]

Group 1 - The company focuses on providing financial services to the real economy, achieving a loan balance growth of 2.35 billion yuan as of August 31, 2025, representing a significant increase from the beginning of the year [1] - The company targets key sectors such as renewable resources, environmental energy, pharmaceuticals, and photovoltaic electronics, establishing a quality project client list and implementing a tiered management system for marketing [1] - The company emphasizes the importance of supporting local economic development by increasing credit investment in manufacturing, green initiatives, private enterprises, and inclusive finance [1] Group 2 - The company actively promotes inclusive finance by implementing a financing coordination mechanism for small and micro enterprises, conducting outreach activities to expand its customer base [2] - The company is expanding its coverage of inclusive finance in rural areas, focusing on local industries such as tea, timber, and agriculture, and developing specialized loan products for these sectors [2] - The company is transitioning its personal loan strategy to include retail and inclusive finance, enhancing its consumer finance product offerings and leveraging recent government policies to stimulate consumer spending [2]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Hezhou Branch emphasizes its commitment to serving the real economy, enhancing financial service quality, and supporting regional economic development through innovative service models and optimized resource allocation [1][2][3] Group 1: Financial Service Network - The bank has established a comprehensive financial service network covering urban core areas and key towns, with 12 service outlets strategically located in commercial centers, transportation hubs, and residential areas [1] - Seven inclusive finance service points have achieved 100% business activity, ensuring convenient access to basic financial services for local communities [1] Group 2: Support for Industrial Transformation - The bank has provided significant financing support for key projects, including a loan of 50.61 million yuan for a green energy wind power project and 14.08 million yuan for transportation infrastructure [2] - The loan balance for specialized and innovative enterprises reached 68.8 million yuan, with a coverage rate of 30.77% as of July 2025 [2] - The bank has enhanced its service offerings by increasing the credit limit for "Industrial e-loans" to over 3 million yuan and utilizing a "credit + collateral" approach to support enterprise transformation [2] Group 3: Rural Revitalization and County Development - The bank has deepened its financial support for the livelihood sector through specialized products like "Calcium Carbonate Green Loans" and "Planting e-loans," effectively empowering key areas such as agriculture, logistics, and tourism [3] - As of July 2025, inclusive loans increased by 19.3 million yuan, with a growth rate of 15.5%, surpassing the average growth rate of all loans [3] - The bank actively engages in community outreach initiatives to enhance financial services at the grassroots level, promoting financial inclusion and supporting local development [3]

Core Viewpoint - The article highlights the transformative impact of credit systems on rural economies in Xiangxi Prefecture, Hunan Province, emphasizing the role of credit in enhancing agricultural productivity and income for farmers [1][2]. Group 1: Credit System Development - The establishment of a rural credit system has led to significant financial support for farmers, with 513 households receiving a total credit of 32.28 million yuan, resulting in collective economic growth for the village [2]. - The "government + bank + village collective" model has been effective in facilitating credit access, with 65 households expanding their planting scale through credit loans, contributing to a collective income exceeding 500,000 yuan [2]. Group 2: Innovative Financial Services - The introduction of a "credit + labor" service model has enabled the collection of income data for over 140 migrant workers, leading to the issuance of 500,000 yuan in pure credit loans for high-quality workers [2]. - Innovative lending practices, such as "revenue rights pledge," have allowed entrepreneurs like a returning student to secure 3 million yuan for business expansion, demonstrating the adaptability of financial services to meet local needs [3]. Group 3: Leveraging Ecological Assets - The use of carbon credits as collateral has enabled an ecological agriculture company to secure 3 million yuan in loans, showcasing the potential of environmental assets to enhance creditworthiness [3]. - The agricultural sector has benefited from tailored credit products, such as "Fruit King Loan" and "Homestay Loan," which have collectively supported thousands of farmers and tourism operators with significant loan amounts [4]. Group 4: Risk Management and Data Integration - The integration of various data sources has improved risk management in lending, with platforms analyzing transaction data and credit records to facilitate loans, such as a 705.9 million yuan loan for a pig slaughter enterprise [4]. - The establishment of a "government-bank-enterprise cooperation" data platform has enabled the creation of credit profiles for over 200 tourism businesses, enhancing the overall financial ecosystem in the region [4].

Core Viewpoint - The successful issuance of a loan of 89.52 million yuan by the Industrial and Commercial Bank of China (ICBC) Lijiang Branch is aimed at transforming Lijiang's "beautiful industry" into a "happy industry" that benefits people's livelihoods and drives income growth [1][3]. Group 1: Financial Support for Local Development - The loan of 89.52 million yuan effectively addresses funding bottlenecks in the Lijiang flower industry, facilitating its transition from traditional planting to an integrated ecological model of "planting-processing-tourism" [3]. - The Lijiang Modern Flower Industry Park project is a key initiative for high-quality development, leveraging local climate and natural resources to create a comprehensive agricultural hub [2]. Group 2: Employment and Income Generation - The completion of the flower industry project is expected to create jobs for over 400 local farmers, with an average annual income increase of 50,000 yuan per person [3]. - The project is significant for optimizing the agricultural structure in the region, promoting employment, and enhancing the integration of agriculture and tourism [2]. Group 3: Innovative Financial Products - ICBC Lijiang Branch has introduced various financing products such as "Planting e-loan" to support local agricultural development, with a total of 95 million yuan disbursed to benefit 112 farming households [4]. - The bank aims to continue contributing to the local economy by supporting the development of Lijiang as a world cultural tourism city and a model for rural revitalization [4].