田间地头，牛羊茁壮，温室大棚映照希望之光；村落巷陌，农家乐里笑语盈盈，特色产业涌动蓬勃生 机。在这幅乡村振兴的生动图景背后，中国农业银行临夏分行持续注入的金融活水，正润物无声地滋养 着河州大地。 近年来，农行临夏分行始终将服务"三农"作为重大政治责任与历史使命，尤其注重将资源与政策向东乡 县、积石山县、永靖县等重点帮扶区域倾斜，全心投入乡村振兴金融实践。截至2025年11月末，农行临 夏分行各项贷款余额达116.92亿元，其中，涉农贷款余额45.78亿元，较年初增长6.86亿元，增速达 17.64%；农户贷款余额24亿元，较年初净增6.59亿元，创历史新高。这些数字是该行扎根临夏乡村热 土，聚焦产业升级与农户增收，持续创新金融产品与服务模式的坚实印记。 巩固成果 织密防返贫保障网 在地方政府与金融部门协同推进特色美食产业发展的背景下，临夏市俊林清真肉制品有限责任公司2025 年上半年计划扩大生产，却因缺乏传统抵押物面临融资困境。了解企业难处后，农行相关支行行长带队 深入厂房，实地考察公司生产流程，分析经营流水，并重点评估其核心专利价值，最终为企业精准匹 配"科技e贷"产品，高效审批纯信用贷款1000万元。"这 ...

转自：新华财经 金融是现代经济的核心，服务实体经济是金融的根本宗旨。农业银行包头分行把学习贯彻党的二十届四 中全会精神融入金融服务各领域各环节，立足包头市稀土新材料基地和稀土应用基地、全国老工业基地 绿色转型创新发展示范地区和黄河"几字弯"都市圈现代化中心城市建设，聚焦先进制造、乡村振兴、绿 色金融、普惠民生等关键领域，以精准金融供给、创新服务举措和高效金融服务，为地方经济高质量发 展注入强劲动能。 锚定实体经济"主战场"，金融助力地方经济高质量发展 截至11月末，该行民营企业贷款余额91亿余元，累计服务1.65万户民营企业客户。 深耕乡村振兴"责任田"，夯实"三农"根基 农业银行包头分行始终将服务"三农"作为主责主业，通过模式创新、科技赋能，积极探索高质量服务乡 村振兴的新路径。 在金融服务供给方面，该行"惠农e贷"产品已覆盖包头市527个行政村，今年以来累计投放农户贷款 28.31亿元；"惠农通"服务点实现包头市县域地区全覆盖，凭借"查、取、转、缴、存"等便民服务，有 效扩大了金融服务半径，尤其在农村特色产业乡镇，"惠农通"服务场景建设持续推进，让农牧民在家门 口就能享受便捷金融服务。 在政策落实与模式创 ...

新华财经南京12月15日电（王宇静）小微企业是经济发展的生力军、就业的主渠道、改善民生的重要支 撑。为助力小微企业纾困解难、提质增效，农业银行江苏苏州示范区分行积极落实小微企业融资协调机 制，强化金融供给，优化服务路径，创新产品体系，精准滴灌实体经济发展"沃土"，以"金融+"模式持 续激发区域经济新动能。 创新产品矩阵 破解科创企业融资难题 在新兴产业领域，科创小微企业常因缺乏传统抵押物、研发周期长、回报不确定性高等问题，让许多银 行望而却步，融资难、融资慢成为制约其发展的"拦路虎"。 转自：新华财经 大雪时节，寒意渐浓，苏州吴江横扇镇的羊毛衫市场却暖意融融。线下门店人头攒动，线上直播间热闹 非凡。借助电商与直播新业态，横扇羊毛衫走进千家万户。 面对持续升级的消费需求，当地羊毛衫企业主动求变，一方面投入资金改造生产线、扩大规模，以规模 化效应摊薄成本，让优质毛衫价格更亲民；另一方面融合传统工艺与现代技术，开发多元化毛衫产品， 打响区域品牌。但这一传统产业集群中多为小微企业，生产旺季备货、生产线改造等环节常面临短期、 灵活的融资需求，往往因抵押物不足、审批流程长等问题陷入资金困境。 农行江苏苏州示范区分行精准洞 ...

Core Viewpoint - The traditional manufacturing industry, particularly the textile and apparel sector in Suzhou, is undergoing a transformation towards modernization, supported by financial services from Agricultural Bank of Suzhou, enhancing the entire supply chain's efficiency and competitiveness [1][2]. Group 1: Industry Transformation - The textile and apparel industry in Suzhou has evolved from its historical roots in silk weaving to become a significant player in modern industrialization, impacting everyday life [1]. - The integration of smart technologies in production processes, such as automated sewing systems and intelligent supply chain solutions, is crucial for the industry's digital transformation [1][2]. - During the "Double Eleven" shopping festival, Bosideng achieved over 100 million yuan in sales, showcasing the effectiveness of data and AI in driving digital transformation [1]. Group 2: Financial Support and Innovation - Agricultural Bank of Suzhou has provided nearly 8 billion yuan in group credit to support the transformation of companies like Bosideng, addressing funding challenges faced by suppliers [2]. - The bank's "Yin Piao e-Rong" product offers online financing solutions for upstream suppliers, ensuring quick access to funds and improving raw material supply efficiency [2]. - A tailored "Bosideng Industry Chain e-Loan" has reached a balance of 563 million yuan, demonstrating the bank's commitment to supporting downstream distributors with innovative financial services [2]. Group 3: Local Industry Development - The wool sweater market in Wujiang District has seen a resurgence, with local businesses adapting to consumer demands for high-quality, stylish winter apparel [3]. - Local textile enterprises have shifted from homogeneous competition to focusing on product quality and design, enhancing their market competitiveness [3][4]. - Agricultural Bank of Suzhou has implemented various financial products to support small and micro enterprises, facilitating their growth and contributing to the local economy [4]. Group 4: Future Prospects - The textile and apparel industry in Suzhou is expected to continue thriving under the guidance of Agricultural Bank of Suzhou, enhancing domestic demand and solidifying the foundation of the real economy [5].

传统制造业是现代化产业体系的重要基底，其优化提升不仅关乎实体经济的持续壮大，也深刻影响着每 个普通人的衣食住行。在江苏苏州，纺织服装产业脱胎于蚕桑文明，扬名于丝绸织造，兴盛于现代工 业，近年来已然从独具风雅的江南名片，演化为泽被万家的"天下衣履"。如何将这一传统制造业的优势 重塑为构建现代化产业体系的胜势？农行江苏苏州分行（以下简称苏州农行）与各类服装制造企业同题 共答，用精准、完善的金融服务"穿针引线"，全力支持纺织服装全产业链智能化、融合化的焕新升级。 "大家对冬装的期待已不只是舒适保暖，高性价比和时尚设计成为了现在最主流的消费需求"。随着记者 在市场多处的细致问询，发现这一理念已成为横扇镇众多商户广泛达成的共识。面对不断变化的市场态 势，当地羊毛衫纺织企业经历过同质化竞争激烈、规模效应难以形成的低迷期，但在逐渐掌握"新需求 引领新供给，新供给创造新需求"的市场规律后，决心因势而动，坚持将产品质量作为立身之本，通过 引进设计师人才、使用高端纱线等手段，全面提升毛衫产品审美与品质，锻造横扇毛衫的核心竞争力与 品牌影响力。 在毛衫产业主动求变的同时，这类乡村特色产业综合生产能力和质量效益的协同提升，离不开金融 ...

Group 1 - The demand for wool sweaters has surged due to the drop in temperature as winter approaches, with consumers actively purchasing winter clothing both in physical markets and online platforms [1] - Consumers now prioritize not only comfort and warmth but also high cost-performance and fashionable designs in their winter clothing choices, reflecting a shift in market demand [1] - Local wool sweater manufacturers in Wujiang District are enhancing product quality and aesthetics by hiring designers and using high-end yarns, aiming to strengthen their core competitiveness and brand influence [1] Group 2 - The wool sweater industry is experiencing a collaborative improvement in production capacity and quality, supported by financial institutions like Agricultural Bank of Suzhou Branch [2] - The bank offers tailored financial products such as "Tax e-loan" and "Micro-loan" to support small and micro enterprises in inventory preparation and expansion during peak seasons, facilitating efficient credit support [2] - As of now, the bank has served over 460 businesses in the wool sweater supply chain, with a total loan balance of 167 million yuan, contributing to a positive cycle of demand insight, product innovation, and consumer upgrade in the industry [2]

Core Insights - The demand for wool sweaters has surged due to a drop in temperature, with consumers seeking stylish and high-quality winter clothing options [1] - Local manufacturers in Wujiang's Hongshan Town are enhancing product quality and aesthetics by hiring designers and using high-end yarns to strengthen their competitive edge [1] Group 1: Market Trends - Consumers now prioritize not only comfort and warmth but also cost-effectiveness and fashionable designs in winter clothing [1] - The wool sweater market is experiencing a transformation, moving away from traditional perceptions to embrace modern styles [1] Group 2: Financial Support - Agricultural Bank's Suzhou branch is providing targeted financial support to small and micro enterprises in the wool sweater industry through products like "Tax e-loan" and "Micro Loan" [2] - The bank has implemented a "whitelist management" system for the entire supply chain, facilitating batch approvals and credit for over 460 businesses, with a loan balance of 167 million yuan [2] Group 3: Industry Development - The wool sweater industry in Wujiang has established a positive cycle of "demand insight - product innovation - consumption upgrade" under the support of inclusive finance [2] - This development aligns with broader goals of rural revitalization and the optimization of traditional industries [2]

Core Insights - The timely loan of 8 million yuan from Agricultural Bank of China (ABC) has significantly alleviated the raw material procurement challenges for Ba Shi Chuan Zhen Agricultural Development (Yiliang) Co., Ltd, showcasing effective financial support for local enterprises [1][2] - ABC's rapid loan approval and flexible repayment plans are tailored to the production cycles of local businesses, enhancing their operational capabilities and market expansion efforts [1][2] Group 1: Company Overview - Ba Shi Chuan Zhen Agricultural Development (Yiliang) Co., Ltd is a private enterprise in Yunnan's Zhaotong City, specializing in agricultural technology with over 5,000 acres of high-altitude ecological planting bases [1] - The company operates under a "company + base + farmer" model, collaborating with over 200 farmers and focusing on 12 types of specialty agricultural products, including bamboo shoots and Tianma [1] - The company has an annual processing capacity of 800 tons and its products are sold in major domestic cities and Southeast Asia, contributing to local economic development [1] Group 2: Financial Support and Initiatives - ABC Zhaotong Branch utilized the "Rongxinfu" platform to quickly assess the credit needs of Ba Shi Chuan Zhen, providing an 8 million yuan loan through a no-collateral "Technology E-Loan" product [2] - The bank has implemented various financial products to address the financing difficulties faced by private enterprises, including "Technology E-Loan," "Tax E-Loan," and "Tax-Bank Link," offering loans at an annual interest rate of approximately 3.26% [2] - As of now, the total loan balance for private enterprises at ABC Zhaotong Branch has reached 9.499 billion yuan, with a year-on-year growth rate of 14.2%, reflecting the bank's commitment to supporting local economic development [3]

Core Insights - The article emphasizes the establishment of a regular financing connection mechanism for private enterprises in Yunnan, aimed at addressing financing bottlenecks and enhancing support for the private economy [1][2]. Group 1: Financing Mechanisms - The People's Bank of China Yunnan Branch and the Yunnan Development and Reform Commission have collaborated to guide financial institutions in increasing investments, particularly in highland特色 agriculture and technology enterprises [1]. - As of July 2023, the loan balance for Yunnan's private economy reached 9,625.1 billion yuan, reflecting a year-on-year growth of 12.8%, while inclusive small and micro loans amounted to 5,295.13 billion yuan, growing by 15.6% [1]. Group 2: Support for Private Enterprises - The Agricultural Development Bank of China Yunnan Branch does not differentiate loan access based on ownership structure, instead evaluating based on actual business conditions and risk capacity [2]. - In the first seven months of the year, Yunnan issued 22.86 billion yuan in re-loans for agricultural and small enterprises, and processed 16.76 billion yuan in re-discounts [2]. Group 3: Case Studies - Ba Shi Chuan Zhen Agricultural Development Company, a private enterprise in agricultural technology, has established over 5,000 acres of highland ecological planting bases and signed long-term agreements with over 200 farmers [2]. - In February, Ba Shi Chuan Zhen submitted a credit request through the融信服 platform, receiving an 8 million yuan loan for raw material procurement, which helped reduce financing costs and provided flexible repayment options [3]. - The Agricultural Bank of China Zhaotong Branch has developed a "highland agricultural industrialization leading enterprise whitelist," allowing listed enterprises to access up to 10 million yuan in credit loans without collateral [3].

Group 1 - The article highlights the vibrant consumer landscape during the "Double Festival" holiday, showcasing new experiences and activities that attract tourists [1] - Agricultural Bank is leveraging local characteristics to innovate financial products and services, aiming to boost holiday consumption and enhance the cultural tourism experience [1][3] - The bank's credit card consumption during the holiday period exceeded 3.3 billion yuan, indicating strong consumer engagement [3] Group 2 - Guangdong Shunde, recognized as a "Creative City of Gastronomy," has launched over a hundred cultural tourism activities during the holiday, attracting visitors nationwide [2] - The bank has partnered with popular tourist spots and merchants to offer promotional activities, enhancing consumer experiences and stimulating spending [3] - The success of Shunde's activities, including a Guinness World Record event, demonstrates the effectiveness of combining cultural themes with tourism [2] Group 3 - The Baizhang Waterfall in Zhejiang has seen a surge in visitors due to improved infrastructure and innovative activities, supported by Agricultural Bank's financial backing [4] - The bank has provided over 600 million yuan in loans to support tourism infrastructure projects, facilitating enhanced visitor experiences [4][5] - The overall tourism development in Wencheng has been positively impacted by the bank's increased credit support for smart tourism initiatives [5] Group 4 - The ancient town of Shenhou, known for its Jun porcelain, has experienced a tourist influx during the holiday, showcasing the integration of cultural heritage and tourism [6] - Agricultural Bank's financial products have supported local porcelain enterprises in upgrading equipment and expanding services, contributing to the town's tourism growth [6] - The town received over 500,000 visitors during the holiday, establishing itself as a new hub for cultural tourism consumption in Henan [6]