习近平总书记指出，中国式现代化，乡村振兴是个大课题。 2025年12月召开的中央农村工作会议提出"创新乡村振兴投融资机制，不断增添乡村发展动力活 力"。过去一年，金融管理部门持续强化政策引领，鼓励银行机构下沉服务，围绕高标准农田、设施农 业建设、种业振兴等涉农重点领域，加大信贷投放，通过持续的金融要素保障，支持乡村全面振兴取得 显著成效。中国人民银行将支农再贷款和支小再贷款合并为支农支小再贷款，并优化管理方式，使政策 激励引导作用得以充分发挥。 国家金融监督管理总局数据显示，截至2025年三季度末，银行业金融机构普惠型涉农贷款余额14.1 万亿元，较年初增加1.2万亿元。 乡村全面振兴的深层密码，在于唤醒乡村自身的发展潜能。乡村发展动力活力的培育与释放，是实 现乡村产业兴旺、生态宜居、乡风文明、治理有效、生活富裕的核心支撑。金融作为现代经济的血脉， 不仅是资金供给的"输血者"，更是激活乡村自我发展能力的"造血者"。 首先，激活乡村发展动力活力，需要进一步完善和健全金融供给体系。 乡村全面振兴是一项长期而艰巨的任务，相信在金融力量的持续赋能下，乡村的内生动力将充分释 放，为建设宜居宜业和美乡村、实现共同富裕提供 ...

Core Insights - The bamboo processing industry in Longmen County, Huizhou, is a significant economic driver, with over 300 registered companies and 600 e-commerce enterprises, generating an annual output value of approximately 2 billion yuan [1] - Green Jianmu (Huizhou) Furniture Accessories Co., Ltd. has maintained annual revenue around 50 million yuan, supported by a 15 million yuan "bamboo processing loan" from Longmen Rural Commercial Bank [2] - The transformation and upgrading of traditional industries are essential for high-quality development, with Green Jianmu expanding its product applications to various sectors, including home living and health [3] Industry Overview - Longmen County has a bamboo forest area of 300,000 acres, accounting for 8.7% of the total county area, with a forest coverage rate of 76.6% [1] - The bamboo processing industry is a pillar of the local economy, providing significant employment opportunities, with over 7,000 jobs created through the bamboo processing supply chain [2] - The "bamboo processing loan" product from Longmen Rural Commercial Bank has provided 255 million yuan in credit to 700 bamboo processing clients, addressing funding challenges in the industry [4] Challenges and Solutions - Green Jianmu faces funding pressure due to the need to stockpile raw materials and long payment cycles from e-commerce platforms, which can extend up to six months [4] - The company has monthly raw material procurement costs exceeding one million yuan, leading to cash flow constraints [4] - Longmen Rural Commercial Bank's innovative credit solutions, including a 600 million yuan credit line to the local wood products industry association, aim to support the industry's branding and standardization efforts [4]