新华财经北京11月24日电（李连敏）"仓廪实，天下安。"粮食安全是国之大者，金融活水则是滋养大国 粮仓的源头活泉。长期以来，中国农业银行（以下简称"农业银行"）始终把服务粮食安全和重要农产品 稳产保供摆在优先位置，锚定粮食生产、收储、流通、加工等重要环节，积极创新信贷产品和服务模 式，以全方位、多层次的金融支持体系，为国家粮食安全注入了强劲金融动能。截至2025年6月末，农 业银行对粮食和重要农产品保供相关领域贷款余额达1.24万亿元。 粮仓外，王建胜收购的湿玉米已堆成小山。前来售粮的农户们排着队过磅、卸粮、烘干、领取粮款。淅 沥雨声中，欢声笑语愈发响亮——在金融"活水"的滴灌下，这个多雨的秋收季，种粮人的心里是踏实 的，脸上是有光的。 金融"活水"滴灌农业"芯片"，培育农业新质生产力 种子是农业的"芯片"，更是国家战略性、基础性核心产业。近年来，我国深入实施种业振兴行动，持续 推进种质资源保护、创新攻关、基地建设等，以提升种源安全保障水平。农业银行积极适配金融产品， 精准对接育种企业、制种公司、广大粮农融资需求，以金融"活水"培育种业新质生产力。 走进贵州省岑巩县羊桥乡祝坝村的水稻种子生产基地，连片稻田涌动 ...

Core Insights - The articles highlight the significant role of financial institutions, particularly Agricultural Bank of China (ABC), in supporting agricultural and rural development through innovative lending solutions tailored to the needs of farmers and agricultural enterprises [1][2][3][4][5][6][7][8][9][10][11][12][13][14][15][16][17] Group 1: Financial Support for Agriculture - ABC has launched various loan products such as "Grain Farmer e-loan" and "Smart Animal Husbandry Loan" to provide financial support without requiring traditional collateral, thus facilitating timely access to funds for farmers [2][4][6][17] - The bank's innovative approach includes using data from agricultural subsidies and electricity payments to assess creditworthiness, allowing farmers to secure loans based on their operational data rather than physical assets [9][12][16][17] - As of June 2025, ABC's loans for grain and important agricultural products reached 12.4 trillion yuan, with "惠农e贷" (Huinong e-loan) product balances exceeding 1.79 trillion yuan, indicating a robust demand for agricultural financing [2][17] Group 2: Impact on Local Economies - Financial support from ABC has been crucial in stabilizing local economies, particularly in rural areas, by ensuring that agricultural enterprises can maintain operations and support local employment [3][5][6][8][10][14] - The bank's initiatives have led to increased income for farmers, with reports of average annual income rising significantly due to access to timely financial resources [10][15][17] - The integration of financial services into agricultural production and processing is transforming the landscape of rural economies, making them more resilient and sustainable [6][12][17] Group 3: Innovative Lending Mechanisms - ABC has developed a "Financial Village Director" model, where local leaders assist in identifying trustworthy borrowers, enhancing the efficiency of loan approvals and fostering community trust [15][17] - The bank's focus on data-driven lending practices allows for quicker loan disbursements, with some loans being processed in as little as three days, thus meeting urgent financial needs of farmers [9][16][17] - The expansion of financial services into areas such as renewable energy projects and cultural heritage preservation demonstrates the bank's commitment to supporting diverse aspects of rural development [11][12][17]

Core Viewpoint - The article highlights the successful collaboration between local agricultural banks and farmers in Jiangsu Province, particularly in Huai'an, to enhance agricultural productivity and ensure food security through financial support and modern farming equipment [1][2][4]. Group 1: Agricultural Financing - Agricultural Bank of Jiangsu Huai'an Branch has provided financial products like "Huinong (Agricultural Machinery) Installment" and "Agricultural Machinery Loan" to support local farmers in purchasing modern farming equipment [1][4]. - A total of 155 grain harvesting entities have benefited from these financial products, purchasing tractors, harvesters, and seeders, with partnerships established with 17 agricultural machinery sales companies [1][4]. Group 2: Grain Production and Processing - Huai'an, known as a major grain production area, has over 10 million acres of grain sowing area and a total output of nearly 10 billion pounds, making it a critical base for national grain supply [2]. - The local agricultural bank has launched various loan products, such as "Grain Farmer e-loan" and "Huinong e-loan," to alleviate funding shortages for grain purchasing, benefiting large-scale grain buyers like Gong Shuyan [2][3]. Group 3: Timely Financial Support - The bank's timely financial support has enabled local businesses, such as Jiangsu Lingyou Rice Industry Co., Ltd., to expand their grain purchasing scale, with loans issued promptly to meet urgent funding needs [3][4]. - As of the end of September, the bank has disbursed a total of 1.42 billion yuan in loans to grain brokers and storage processing entities, demonstrating its commitment to supporting the agricultural sector [4]. Group 4: Strategic Focus on Food Security - The bank emphasizes the importance of food security as a priority, aligning its services with national policies to enhance agricultural productivity and ensure a stable food supply [4]. - The bank aims to strengthen cooperation with government and agricultural partners, focusing on improving grain production, agricultural machinery upgrades, and supply chain services [4].

Group 1 - The People's Bank of China Shaanxi Branch focuses on supporting agricultural production through policy guidance and financial resource allocation to ensure stable grain production and rural revitalization [1][5] - A comprehensive support framework has been established, emphasizing credit support for the entire agricultural supply chain, including production, circulation, storage, processing, and sales of key crops like wheat and corn [1][3] - By the end of August, the agricultural loan balance in Shaanxi Province increased by 41.992 billion yuan compared to the beginning of the year [1] Group 2 - Financial institutions in key grain-producing areas like Xianyang, Weinan, and Yulin are encouraged to develop tailored financial services to enhance support for autumn harvest and sowing [2] - As of the end of September, over 1 billion yuan in loans were issued to grain merchants and large-scale farmers in Xianyang [2] - In Weinan, financial institutions provided over 2 billion yuan in loans to the grain industry, benefiting more than 10,000 households by the end of August [2] Group 3 - The Agricultural Development Bank of China Shaanxi Branch is coordinating policy funds and market-based credit support to ensure sufficient funding for autumn grain purchases [3] - A total of 1.5 billion yuan in credit has been prepared to meet the loan demands of 25 grain purchasing enterprises [3] Group 4 - The "President + Chain Leader" mechanism is utilized to enhance financial services for key agricultural industry chains, such as apples and kiwifruit, during the autumn harvest [4] - By the end of August, the apple industry loan balance in Yan'an reached 10.945 billion yuan, while loans for the fruit industry in Tongchuan increased by 36.57% year-on-year [4] Group 5 - The People's Bank of China Shaanxi Branch continues to strengthen credit policy guidance and innovate credit products across the agricultural supply chain to support food security [5]

Core Viewpoint - The Chinese government emphasizes the importance of rural revitalization as part of achieving modernization, with financial policies aimed at directing resources towards rural areas [1] Financial Support and Loan Growth - As of June 2023, the agricultural loan balance in Liaoning Province reached 780.22 billion yuan, a year-on-year increase of 2.47%, surpassing the average growth rate of all loans by 4.77 percentage points [1] - The Agricultural Bank of China plays a crucial role in supporting rural industries and farmers' income, with a focus on enhancing financial services for rural revitalization [1] Case Studies of Loan Impact - Individual farmers, such as Feng Suyun, have benefited from timely loans, allowing them to expand their operations significantly, from 100 acres to 500 acres, with sales exceeding 2 million yuan and net profits of 550,000 yuan [2] - Another farmer, Fu Hanbing, expanded his farming area from over 300 acres to more than 1,900 acres, facilitated by loans from the Agricultural Bank [2] Business Growth through Financial Support - Companies like Pengyue Rice Industry have scaled operations from a small rice mill to a leading enterprise, increasing processing capacity from 50,000 tons to 200,000 tons and sales from 100 million yuan to 500 million yuan, supported by bank loans [3][5] Innovative Financial Products - The Agricultural Bank of China has introduced various specialized loan products tailored to local agricultural needs, such as "Sea Cucumber e-loan" and "Grain e-loan," to support specific industries [5][12] Credit and Guarantee Innovations - The bank has developed a service plan for the sea cucumber industry, providing a total credit line of 500 million yuan to address financing and guarantee challenges faced by local enterprises [9] - The proportion of pure credit loans for farmers has exceeded 70%, reflecting a 14 percentage point increase year-on-year [12] Policy Support and Strategic Initiatives - The Agricultural Bank of China aligns its services with national policies aimed at rural development, offering preferential loan rates and fee reductions for agricultural clients [13][14] - The bank has completed credit approvals totaling 121.8 billion yuan for major provincial projects, supporting significant local economic initiatives [14]

Group 1: Financial Support for the Real Economy - The financial sector has significantly improved its service quality and efficiency to support the real economy during the "14th Five-Year Plan" period, with a focus on major national strategies and key areas of economic development [1][2] - Over the past five years, the banking and insurance sectors have provided an additional 170 trillion yuan to the real economy through various financing methods, with annual growth rates of 27.2% for scientific research loans, 21.7% for manufacturing medium- and long-term loans, and 10.1% for infrastructure loans [1][5] - The balance of inclusive loans for small and micro enterprises reached 36 trillion yuan, which is 2.3 times that at the end of the "13th Five-Year Plan," with interest rates decreasing by 2 percentage points [1][5] Group 2: Support for Technological Innovation - Financial institutions have strengthened their support for technology-driven enterprises, with the balance of loans to high-tech enterprises reaching nearly 19 trillion yuan and an annual growth rate exceeding 20% [2][3] - The introduction of innovative financial products, such as the "Bank of China Technology Innovation Computing Loan," aims to address the financing difficulties faced by light-asset technology companies [3][4] Group 3: Inclusive Finance and Poverty Alleviation - The development of inclusive finance has been crucial for economic transformation and social equity, with 17 trillion yuan in loans receiving repayment deferral support during the COVID-19 pandemic, benefiting over 10 million businesses [5][6] - In the past five years, 31.5 trillion yuan in loans have been issued to poverty-stricken areas, along with nearly 400 billion yuan in microloans for impoverished populations [6][7] Group 4: Green Finance Initiatives - The banking sector has made significant contributions to green finance, supporting infrastructure upgrades, low-carbon technology innovation, and energy transitions, thereby promoting a comprehensive green transformation of the economy [8] - National Development Bank has financed various green projects, including renewable energy initiatives and ecological restoration efforts, contributing to sustainable development goals [8]

Core Insights - The financial services sector has significantly improved its quality and efficiency in supporting the real economy during the "14th Five-Year Plan" period, with a focus on enhancing financial support for key strategic areas and weak links in economic and social development [1][2]. Financial Support for the Real Economy - Over the past five years, the banking and insurance sectors have provided an additional 170 trillion yuan to the real economy through various financing methods, including loans, bonds, and equity [1]. - The average annual growth rates for loans in scientific research technology, medium to long-term loans for manufacturing, and infrastructure loans are 27.2%, 21.7%, and 10.1%, respectively [1]. - The balance of inclusive loans for small and micro enterprises has reached 36 trillion yuan, which is 2.3 times that of the end of the "13th Five-Year Plan," with interest rates decreasing by 2 percentage points [1]. Support for Technological Innovation - Financial institutions have strengthened their support for technology credit, with the balance of loans to high-tech enterprises nearing 19 trillion yuan and an annual growth rate exceeding 20% [2]. - A "technology-industry-finance" virtuous cycle is being formed, with banks improving financial services for technology enterprises throughout their lifecycle [2][3]. Inclusive Finance Development - The development of inclusive finance is crucial for transforming the economic development model and enhancing social equity [4]. - During the COVID-19 pandemic, 17 trillion yuan in loans received deferred repayment support, benefiting over 10 million businesses [6]. - In the past five years, 31.5 trillion yuan in loans have been issued to poverty-stricken areas, with nearly 400 billion yuan in microloans for impoverished populations [6]. Agricultural Financial Support - Agricultural Bank has prioritized food security as a key financial service, providing comprehensive support for grain and important agricultural products [7]. - The balance of the "Grain Farmer e-loan" product reached 140.1 billion yuan, supporting 910,000 grain and oil planting entities [7]. Green Finance Initiatives - The banking sector has made significant contributions to green finance, supporting infrastructure upgrades, low-carbon technology innovation, and energy transitions [8]. - National Development Bank has financed various projects, including renewable energy and ecological restoration, contributing to the overall green transformation of the economy [8].

Core Viewpoint - The article highlights the significant role of Agricultural Bank of China Jiangxi Branch in empowering rural revitalization through innovative financial services and products, particularly in agriculture and rural development [1][2][3]. Group 1: Financial Support and Innovations - As of August 2025, the Agricultural Bank of China Jiangxi Branch has provided over 327.83 billion yuan in county loans, with agricultural loans reaching 179.83 billion yuan, and loans to impoverished counties increasing to 109.72 billion yuan, reflecting a substantial increase in financial support [1]. - The bank introduced the "Plant Variety Rights Pledge Loan," transforming intangible intellectual property into tangible financial support, exemplified by Tianya Seed Industry receiving a 30 million yuan credit [2]. - The bank's targeted financial services have led to nearly 3 billion yuan in loans for agricultural households, demonstrating a commitment to addressing the financing challenges faced by rural enterprises [2]. Group 2: Focus on Food Security and Agricultural Development - The Jiangxi Branch prioritizes food security, with a loan balance of 10.97 billion yuan in key agricultural sectors, marking a 10.87% increase since the beginning of the year [3]. - The bank supports the development of agricultural specialty industries, providing 2.2 billion yuan in credit for 18 large-scale planting and processing projects, enhancing the "Gan" brand agricultural products [3]. - In the tea industry, the bank allocated 300 million yuan in project loans, facilitating the modernization of traditional tea production in a region with a 1,700-year history of tea cultivation [3]. Group 3: Rural Revitalization and Community Development - The bank has issued 473.64 billion yuan in rural construction loans and 702.03 billion yuan in green credit, contributing to the overall rural revitalization efforts [5]. - Through the "Huinong e-loan" program, the bank has provided online credit loans to cooperatives and family farms, alleviating financial pressures during critical harvest periods [4]. - The bank's initiatives have led to the creation of over 200 jobs and the return of more than 40 young people to their hometowns, fostering local economic development [6]. Group 4: Digital Transformation and Financial Education - The bank has implemented the "Digital Rural Project," connecting various stakeholders in rural finance through the "Agricultural Bank Huinong Cloud" platform, with 8,819 customers registered as of August [10]. - The establishment of 4,191 credit villages has facilitated the flow of 173.24 billion yuan in credit, enhancing trust and financial accessibility in rural areas [10]. - The bank's outreach efforts include 2,423 financial education sessions, ensuring that financial knowledge reaches rural communities effectively [11].

Core Insights - Financial institutions are increasingly focusing on rural revitalization by innovating financial products and increasing inclusive agricultural loans, with a reported balance of 13.9 trillion yuan in inclusive agricultural loans by the end of Q2 2025, an increase of 1.1 trillion yuan since the beginning of the year [1][2] Group 1: Policy and Regulatory Support - Regulatory bodies have introduced policies to guide financial resources towards rural revitalization, emphasizing the need for banks to maintain growth in agricultural loans and increase credit support for key agricultural sectors [2] - The Agricultural Development Bank plays a crucial role in supporting agricultural financing, having disbursed 410 million yuan in advance funds for summer grain purchases [2] Group 2: Financial Products and Services - Agricultural Bank has significantly increased its financial services for farmers, with specific products like "Huinong e-loan" reaching a balance of 1.79 trillion yuan and "Grain Farmer e-loan" at 1.401 trillion yuan [3] - Rural small and medium banks are innovating products like "biological live collateral loans" to address the unique needs of the agricultural sector, with 71 loans issued amounting to 47.32 million yuan [3] Group 3: Credit System Development - The rural credit system faces challenges due to data silos, with a lack of effective data collection on farmers' information, which hinders credit assessment [4] - Financial institutions are encouraged to leverage digital technologies to build open platforms for better data access and to enhance the rural credit system [4][5] Group 4: Technological Advancements - Financial technology is being utilized to improve service efficiency in rural finance, with mobile banking significantly reducing operational costs [7][8] - Agricultural Bank is accelerating its digital transformation, implementing AI applications in various scenarios to enhance customer service and operational efficiency [7][8] Group 5: Future Directions - There is a push for commercial banks to develop digital credit products tailored to rural market characteristics, aiming for online and automated processes to meet the specific needs of rural businesses [8]

Core Insights - Financial institutions are increasingly focusing on rural revitalization by innovating financial products and increasing inclusive agricultural loans, with a reported balance of 13.9 trillion yuan in inclusive agricultural loans by the end of Q2 2025, an increase of 1.1 trillion yuan from the beginning of the year [1] Group 1: Policy and Regulatory Support - Regulatory bodies have introduced policies to guide financial resources towards rural revitalization, with a specific directive for banks to continue increasing agricultural loan balances and focus on key areas like grain production [2] - The Agricultural Development Bank plays a crucial role in supporting agricultural financing, having disbursed 410 million yuan in advance funds for summer grain purchases [2] Group 2: Financial Products and Services - Agricultural Bank has significantly increased its financial services for farmers, reporting a balance of 1.79 trillion yuan in its "Huinong e-loan" product and 1.24 trillion yuan in loans related to grain supply [3] - Rural small and medium banks are innovating products like "biological live collateral loans" to address the unique needs of the agricultural sector, with 71 loans amounting to 47.32 million yuan issued [3] Group 3: Credit System Development - The rural credit system faces challenges due to data isolation, with efforts needed to establish a comprehensive credit information collection and assessment system [4] - Financial institutions are encouraged to leverage digital technology to build open platforms for better credit assessment and to create credit villages and townships to enhance data coverage [4] Group 4: Technological Advancements - Financial technology is being utilized to improve service efficiency in rural finance, with mobile banking significantly reducing service costs [7] - Agricultural Bank is accelerating its digital transformation, implementing AI applications in various areas to enhance customer service and operational efficiency [7][8] Group 5: Innovative Financing Solutions - New financial products like "Agricultural and Animal Husbandry Loans" are being developed to meet the specific needs of farmers, allowing for flexible loan terms without the need for collateral [8] - Future developments in digital credit products are expected to automate agricultural loan processes, addressing the unique demands of rural businesses [8]