近日，《金融时报》记者从邮储银行湖南湘潭市分行获悉，截至2025年1月末，该行累计投放贷款 21.25亿元，同比多投11.1亿元；各项贷款净增9.18亿元，同比多增5.56亿元，增幅153.79%。近年来， 该行以服务实体经济为宗旨，以改革创新为动力，以精细化管理为抓手，以安全发展为底线，坚守服 务"三农"、城乡居民和中小企业的发展定位，在金融领域不断深耕细作，为湘潭市经济高质量发展贡献 坚实力量。 筑牢普惠金融根基 邮储银行湘潭市分行紧密结合湘潭地域经济特色，精准发力，构建起具有特色的普惠金融生态圈体 系。 助力乡村全面振兴 邮储银行湘潭市分行切实坚守服务"三农"使命，争当服务乡村全面振兴的"主力军""国家队"。截至 2025年1月末，该行涉农贷款较年初净增0.46亿元，以源源不断的金融活水润泽田间地头，持续为农业 农村现代化建设注入强劲动能。 在现代农业发展方面，该行推动粮食产业链式开发，制定全行性粮食产业链综合服务方案，支持粮 食稳产保供。围绕"一县一业、一村一品"乡村特色产业，大力发展产业贷，依托"邮e链"平台，针对生 猪、湘莲、水果等特色产业及新型农业经营主体，通过批量拓客方式加大服务力度，同时，持 ...

Core Viewpoint - The financial sector plays an irreplaceable role in promoting agricultural technological innovation and modernization, with rural small and medium-sized banks taking on historical responsibilities to support the development of new agricultural productivity through targeted financial services [1][2]. Group 1: Focus Areas for Agricultural Technological Innovation - Agricultural new productivity is characterized by high technology, efficiency, and quality, emerging from revolutionary breakthroughs in technology and innovative allocation of production factors [2]. - The Ministry of Agriculture and Rural Affairs has identified ten key areas for agricultural technological innovation from 2024 to 2028, including new variety cultivation, soil quality improvement, and green low-carbon agriculture [2]. Group 2: Role of Rural Small and Medium-sized Banks - Rural small and medium-sized banks should enhance communication with relevant departments and identify key support points for agricultural technological innovation, increasing credit resource allocation [3]. - Banks are encouraged to develop financial support plans based on local resources and industry planning, ensuring annual progress in supporting agricultural new productivity [3]. Group 3: Specialized Organizational Structure - The establishment of specialized agricultural technology financial institutions is necessary to meet the unique demands of high-tech agricultural enterprises [4]. - A three-tiered organizational structure can be created, including specialized departments at the head office and dedicated branches to provide tailored financial services [5]. Group 4: Customized Financial Services - Financial services should cover the entire lifecycle of agricultural technology enterprises, addressing different needs at the startup, growth, and maturity stages [6][7]. - Rural small and medium-sized banks should offer tailored services such as startup loans, growth loans, and acquisition financing to meet the varying demands of enterprises [7]. Group 5: Addressing Financing Challenges - Agricultural technology enterprises face challenges such as short loan terms and difficulties in collateralizing assets, necessitating innovative financial products [8][9]. - A diversified product matrix should be developed, including credit loans, intellectual property pledges, and supply chain finance to address these challenges [9]. Group 6: Professional Talent Development - The complexity of agricultural new productivity requires a skilled workforce that understands technology, industry, and finance [10]. - Banks should focus on building a cross-disciplinary talent pool and enhancing training programs to improve service capabilities in agricultural technology finance [10]. Group 7: Utilizing Policy Support - Agricultural technology innovation often involves long R&D cycles and high costs, necessitating supportive policies to mitigate risks [11][12]. - Effective implementation of fiscal and monetary policies, along with collaborative innovation, can help alleviate financial pressures on agricultural technology enterprises [12].