转自：新华财经 川西冬日，年味从一场场"村糖会"的灯火中升腾而起。这不仅是乡土年俗的温情回归，更是金融服务下沉乡村、激活消费的有力注脚。中国工商银行成都分 行（以下简称"工行成都分行"）紧扣成都"强县活区"战略，以"村糖会"为触点，将便捷支付、消费激励与普惠服务融入市集烟火，让金融活水流向田间地 头，绘就一幅金融与乡土共融的振兴图景。 金融"加料"长街宴 烹出古镇烟火气 支付为梭织年集 编制价值循环链 成都"三九一城·乡乡到家"新春生态年货节，让"村糖会"从乡野延展至都市。雅安藏茶、大凉山苹果冻干……摊位前，工行收款码一字排开，乡土好物借此 通道顺畅进城。 "东华里生态年货节启动仪式" "工行信用卡乐购蓉城"立减活动，持续点燃城市消费热情；稳定的收单服务，让返乡创业青年有了展示乡土特产的舞台；金融驿站的防骗科普，则为乡村消 费增添一份安全感。 一个年货集，南北货汇聚。工行成都分行以支付为梭，串联起城市餐桌与乡村田野的价值循环。 在"文君故里"邛崃，孔明酒镇的青石板街上，"渣渣牛肉美食季"热气腾腾。这场美食盛宴，是邛崃"村糖会"文旅IP的缩影，更是工行成都分行邛崃支行将服 务从柜台搬到街头的一次生动实践。 "孔 ...

地处河西走廊东端、祁连山北麓的甘肃省武威市，曾是全国荒漠化、沙漠化最严重的地区之一。如今， 这里正上演生态"奇迹"：干涸半世纪的青土湖重现127平方公里湿地，全长518公里的环绿洲防风固沙林 草带全线闭合，雪豹等珍稀动物在祁连山频繁现身……这一转变的背后，正是一套浓缩金融支持生物多 样性成功经验的"武威实践"。 中国人民银行武威市分行组织辖内13家银行业金融机构专题学习生物多样性金融标准，并推动将相关指 标纳入各机构的绩效管理。当地金融机构主动提升专业能力，农发行武威市分行在贷前、贷中、贷后全 流程动态评估项目绿色属性与生态影响；民勤农商银行组建专项工作小组，负责生物多样性金融相关政 策研究、产品创新、风险评估，着力提升信贷人员的金融资产生态价值评估能力。 "十四五"以来，武威市累计治理沙化土地超1100万亩，荒漠化和沙化土地实现"双缩减"。随着环绿洲防 风固沙林草带闭合，全市风沙线平均回退10至30公里。南部祁连山植被盖度稳步提升，生物栖息地持续 改善。生态的"高颜值"正转化为发展的"高价值"，以梭梭接种肉苁蓉、枸杞、生态旅游等为代表的林下 经济产值年均增长10%，近五年生态旅游累计接待游客1.53亿人次。 ...

Core Viewpoint - The issuance of the first "green + sci-tech" dual-standard bond in Henan Province by Ansteel Group, facilitated by the People's Bank of China, marks a significant step in transforming green finance from policy advocacy to tangible financing, providing strong support for the green development of enterprises [1] Group 1: Green Finance Development - As of the end of Q3 2025, the balance of green loans in Anyang City reached 26.503 billion yuan, with an increase of 5.096 billion yuan since the beginning of the year, accounting for 8.13% of total loans, indicating that "green" has become the main theme of high-quality economic development in Anyang [1] - The green loan growth in Anyang City was 19.34% year-on-year, surpassing the overall loan growth rate by 14.49 percentage points, with a total of 2.323 billion yuan in loans issued through carbon reduction tools, supporting clean energy projects such as wind and solar power [2] - The net increase in green loans in Anyang City was 1.593 billion yuan in Q3 2025, which is 510 million yuan more than the previous year, demonstrating the continuous release of vitality in the development of green finance [3] Group 2: Financial Institutions' Initiatives - Agricultural Bank of China Anyang Branch launched "Planting e-loan" to support green agricultural development with inclusive interest rates, while Postal Savings Bank of China Anyang Branch opened a green channel to assist projects like rural waste management and smart parking [4] - Citic Bank Anyang Branch implemented preferential interest rates for projects related to biomass power generation and green infrastructure upgrades, effectively reducing financing costs for enterprises [4] - The establishment of a "green credit financial product manual" by the People's Bank of China Anyang Branch, summarizing 47 financial products from 18 financial institutions, aims to enhance the efficiency of bank-enterprise connections [2]

Core Viewpoint - The People's Bank of China Heilongjiang Branch is implementing financial support for rural revitalization, focusing on agricultural modernization and enhancing financial services to ensure food security and promote sustainable agricultural development [1][2][3]. Group 1: Financial Support and Growth - Agricultural loans in Heilongjiang increased from 929.61 billion yuan at the beginning of 2023 to 1,029.43 billion yuan by the end of November 2025, with a year-on-year growth of 11.0% [1]. - The total grain production in Heilongjiang reached 164 billion jin in 2023, marking the 16th consecutive year of being the highest in the country [1]. Group 2: Policy and Mechanism Development - The establishment of a comprehensive financial support system for rural revitalization includes a four-part mechanism involving local government coordination, the People's Bank of China leadership, functional department cooperation, and financial institution implementation [1][2]. - A total of 9 key policy documents have been issued to guide financial support for rural revitalization, focusing on areas such as agricultural operation entities, land protection, and agricultural industry chains [1]. Group 3: Financial Tools and Services - The Heilongjiang Branch has issued 910.5 billion yuan in re-loans for agricultural support since the establishment of the rural revitalization model area [2]. - The establishment of 6,200 comprehensive service stations in administrative villages provides one-stop services for credit matchmaking and agricultural payments [2]. Group 4: Focus on Key Areas and Product Diversification - The financial services system aims to support the entire agricultural production cycle, with 2,523.8 billion yuan allocated for spring plowing loans, a 14.1% increase year-on-year [4]. - The introduction of specialized credit products for various agricultural sectors, including livestock and specialty crops, has provided 24.23 billion yuan in targeted financial support [4]. Group 5: Continuous Improvement and Risk Management - A mechanism for regular financing connections has been established, resulting in 392.6 billion yuan in credit for new agricultural business entities since 2023 [5]. - The implementation of risk-sharing models, including credit, insurance, and futures, has led to the issuance of 59.65 billion yuan in loans to mitigate risks for agricultural entities [5]. Group 6: Future Directions - The Heilongjiang Branch plans to enhance the rural financial service system from 2024 to 2027, focusing on key areas and weaknesses to support agricultural modernization and food security [6].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Qinghai Branch is strategically focusing on green finance as a key development pillar, aligning with the province's goal of building an ecological civilization and promoting low-carbon development during the 14th Five-Year Plan period [1] Group 1: Green Finance Development - The balance of green loans increased from 25.2 billion to 43.3 billion, a growth rate of 72%, with the proportion of green loans in total loans rising from 29% to 38% [2] - Loans for the "Four Lands" industry rose from 23.9 billion to 41.1 billion, also reflecting a 72% growth [2] - The bank has actively supported major clean energy projects, providing approximately 18.3 billion in loans for hydropower, 2.3 billion for wind power, and 8 billion for solar power projects, significantly boosting the installed capacity of wind, solar, and hydropower in Qinghai [2] Group 2: Financial Innovation and Low-Carbon Transition - The bank is implementing carbon accounts as a core strategy for the dual carbon goals, facilitating the conversion of carbon sink resources into financial resources [3] - Innovative products include the first "Agricultural Transformation + Sustainable Link" loan in the province and preferential loans linked to carbon accounts, with total credit issuance reaching 84 million [3] - A differentiated pricing mechanism based on carbon emission performance has been introduced, effectively reducing financing costs for green transition enterprises [3] Group 3: Social Responsibility and Ecological Protection - The bank integrates economic and social responsibilities, actively participating in ecological protection and restoration efforts [4] - Strategic cooperation with the Sanjiangyuan Ecological Protection Foundation has led to the establishment of the "ICBC Yellow River Upper Reaches Economic Ecological Public Welfare Forest Project," with over 430 acres of afforestation completed from 2022 to 2024 [4] - The bank has launched the "Beautiful Qinghai: Sanjiangyuan" precious metal products to enhance cultural promotion and environmental awareness, merging public welfare and financial value [4]

Core Viewpoint - Suzhou is focusing on transforming its manufacturing sector towards high-end, intelligent, and green development, supported by financial services from the Industrial and Commercial Bank of China (ICBC) Suzhou Branch, which aims to enhance credit support for private enterprises and the manufacturing industry to foster economic growth [1] Group 1: Financial Support for Private Enterprises - ICBC Suzhou Branch is committed to providing substantial credit support to private enterprises, with a target loan balance exceeding 180 billion yuan by the end of November 2025, reflecting a net increase of over 20 billion yuan since the beginning of the year [1] - The bank has implemented a "Four Loan Linkage" service model to meet the needs of small and micro enterprises, resulting in a significant increase in credit loan balances, which reached over 35 billion yuan, a growth of over 10 billion yuan or 40% since the start of the year [2] Group 2: Support for Innovation and Technology - The bank has successfully facilitated a 6 million yuan transfer loan for a high-tech enterprise specializing in intelligent guidance systems, helping alleviate their short-term liquidity pressures and supporting their growth in the smart manufacturing sector [3] Group 3: Financing Mechanisms for Small and Micro Enterprises - ICBC Suzhou Branch has established a financing coordination mechanism for small and micro enterprises, visiting over 73,000 businesses and providing nearly 150 billion yuan in loans, with a total of over 930 billion yuan in inclusive loans by the end of November 2025, marking an increase of nearly 15 billion yuan [4] Group 4: Support for Cultural and Tourism Industries - The bank has focused on the cultural and tourism sectors, providing customized financing solutions that resulted in 13.3 billion yuan in credit and 10 billion yuan in loans from March to November 2025, enhancing financial support for local tourism projects [5] Group 5: Financial Support for Rural Revitalization - ICBC Suzhou Branch has engaged in supporting rural revitalization by providing over 2 billion yuan in loans to new agricultural entities and collaborating with nearly 200 agricultural enterprises, with a total credit amount of 4.5 billion yuan [6][7]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Liaocheng Branch is actively supporting rural revitalization by collaborating with the Gaotang Supply and Marketing Cooperative to address the financial needs of agricultural entities, resulting in significant economic and social benefits [1]. Group 1: Financial Support and Loan Distribution - As of October 2025, ICBC has issued a total of 20.1 million yuan in agricultural loans through the Gaotang Supply and Marketing Cooperative, benefiting 23 agricultural entities and effectively addressing financing challenges in agriculture [1]. - The bank has established a regular communication mechanism with the cooperative to understand the financing characteristics and needs of agricultural entities, ensuring targeted financial services [1]. Group 2: Demand Assessment and Client Base Strengthening - ICBC and the cooperative have formed a service team to visit agricultural service centers, cooperatives, and key farmers to assess their production conditions and funding needs, creating a "demand list" for agricultural entities [2]. - Specific loans of 1.9 million yuan and 4.5 million yuan were issued to agricultural enterprises under the cooperative, expanding the reach to 21 additional farmers and totaling 13.7 million yuan in loans [2]. Group 3: Product Optimization and Service Efficiency - The bank has integrated various financial products such as "Planting E-Loan" and "Grain Purchase Loan" into agricultural supply and circulation scenarios, allowing agricultural entities to access financial services conveniently [2]. - Loan application processes have been simplified, with a green approval channel established for quick loan disbursement, enabling timely support for agricultural inputs [2]. Group 4: Promoting Inclusive Finance and Industry Development - ICBC is committed to using agricultural loans to enhance service capabilities at agricultural service centers and support cooperatives in developing specialized planting and breeding industries, thereby increasing farmers' income [3]. - The bank plans to deepen its collaboration with the Gaotang Supply and Marketing Cooperative and innovate more financial products and service models to provide better financial support for agricultural entities [3].

Core Viewpoint - The modernization of agriculture and rural areas is crucial for China's overall modernization, and the focus is on accelerating rural revitalization through financial innovation and support for key agricultural sectors [1][9]. Group 1: Financial Support for Agriculture - The company has established a dedicated leadership group for rural revitalization, ensuring a solid management system from strategic decision-making to grassroots execution [2]. - A "Four Special Mechanism" has been implemented to enhance credit support, including specialized policy guidelines and a dedicated approval channel for agricultural loans [2][3]. - The company has developed innovative financial products such as "Yinong e-loan" and "Agricultural Trade e-loan" to support agricultural product development and enhance supply security [3]. Group 2: Technology and Risk Management - The company utilizes big data risk control models to automate loan approvals, significantly reducing approval times and enhancing service accessibility in rural areas [3]. - A proactive credit service model has been introduced, leveraging mobile banking to extend financial services to rural communities [3]. Group 3: Food Security Initiatives - The company emphasizes food security as a national priority, supporting the agricultural supply chain in key grain-producing regions like Hebei, which produces over 700 billion jin of grain annually [6]. - A comprehensive financial ecosystem has been established to support the entire grain industry chain, from seed research to market circulation [6]. Group 4: Support for Local Industries - The company focuses on activating local特色产业 (characteristic industries) by providing tailored financial support to align with local resources and promote unique agricultural products [7]. - The "Agricultural Breeding Loan" product has been developed to assist livestock farmers in overcoming financing challenges through a data-driven approach [8]. Group 5: Future Commitment - The company is committed to continuing its support for rural revitalization and aligning its strategies with national development plans, aiming to contribute to the modernization of rural areas in China [9].

在这一进程中，金融力量是不可或缺的重要支撑。各大银行机构精准施策、创新突破，以多元化服 务打通堵点、破解难点，让金融活水持续浸润乡村沃土，为宜居宜业和美乡村建设注入强劲动能。从陕 西延安的苹果园到广西桂林的罗汉果田，从浙江衢州的鸭蛋产销链到河西走廊的农批市场，金融活水正 精准滴灌，将农户的"产品清单"转化为实实在在的"幸福账单"。 打通金融服务"最后一公里" 今年是巩固拓展脱贫攻坚成果同乡村振兴有效衔接5年过渡期的最后一年。五载耕耘，脱贫成果持 续巩固，脱贫地区内生发展动力持续增强，宜居宜业和美乡村新画卷徐徐展开。 得知吴大哥的困境后，稠州银行衢州分行迅速行动，指导衢江支行启动专项帮扶机制，不仅通过厅 堂宣传展示、客户社群精准推送、员工志愿推广等多种方式拓宽销路，更是拿出专项资金给予消费补 贴。 "原本以为积压的鸭蛋要砸在手里，没想到银行掏钱补贴帮我找销路。"吴大哥感激之情溢于言表。 "农民不用跑银行网点，足不出户就能获得高效便捷的贷款服务。"在雷赤镇雷多村党支部书记郝缩 梅家里，她高兴地介绍，"这几年，银行工作人员把金融服务送到家门口，把政策讲进心坎里，给我们 吃了'定心丸'。" 雷赤镇雷多村位于陕西省延安 ...

Core Insights - The article highlights the successful development of the yellow flower industry in Hongshibao District, Ningxia, which has become a key driver for rural revitalization and farmer income growth [1][2] Group 1: Industry Development - Hongshibao District has developed a yellow flower planting area of 46,400 acres, producing over 80,000 tons annually, with a total output value of 420 million yuan [1] - The local government and financial institutions have implemented targeted financial support to enhance the quality and scale of the yellow flower industry [2][3] Group 2: Financial Support Mechanisms - The People's Bank of China in Wuzhong has provided 330 million yuan in agricultural loans this year, marking a 21.8% increase year-on-year, with a loan balance for the "six special" industries reaching 2.78 billion yuan [2] - Specific financial products have been developed for the yellow flower industry, including "Huanghua Loan," which has issued 1.2 billion yuan across 1,792 loans to local farmers [3] Group 3: Employment and Community Impact - The yellow flower harvesting season has created job opportunities for 41,000 workers in Hongshibao District, generating labor income of 148 million yuan [4] - Local banking institutions have improved cash supply services to support labor wages, ensuring timely payment for workers during the peak harvesting season [4]