创新赋能 推动普惠金融服务"立"起来 2023年9月，中国人民银行绵阳市分行指导农业银行绵阳分行联合地方政府相关部门，推出"绵州农房增 信贷"产品，以模式与技术创新破解农户融资困境。 长期以来，农房因流转处置受限且估值体系缺失，无法作为有效的贷款抵押物，致使广大农户手握资产 却难以获得生产经营所需的融资支持。在此背景下，中国人民银行绵阳市分行经过调研和反复论证，创 新推进"基于大数据的农房增信贷款服务"，依托新兴技术重构农房价值评估机制，开辟出一条盘活资 产、助农兴业的全新路径。 创新融资模式，破解抵押难题。项目采用"农房增信+农户承诺+政府备案"的融资模式，将农房作为增 信要素而非抵押物，将已确权农房的价值按比例计入家庭资产，从而提升贷款授信额度。农户只需出具 承诺书，并在政府指定部门备案，即可让"资产"变为"资金"。 强化科技赋能，提升服务质效。项目基于大数据技术，融合农房价值、营收能力、资信状况等多维数据 构建精准的"确权农房增信模型"，实现了贷款服务的智能化评估。基于移动互联技术实现足不出户"一 站式"办贷，极大提升了业务办理效率。基于图像识别技术建立用户身份智能识别模型，有效保障了业 务安全。项目还 ...

长期以来，农房因流转处置受限且估值体系缺失，无法作为有效的贷款抵押物，致使广大农户手握 资产却难以获得生产经营所需的融资支持。在此背景下，中国人民银行绵阳市分行经过调研和反复论 证，创新推进"基于大数据的农房增信贷款服务"，依托新兴技术重构农房价值评估机制，开辟出一条盘 活资产、助农兴业的全新路径。 创新赋能 推动普惠金融服务"立"起来 深化银政协同，凝聚工作合力。项目被列为绵阳市委、市政府"三农"领域的一项改革举措，实现了 多部门联动。通过政府备案增强了农户的履约意愿和信用意识，政府部门还可协助进行贷后管理和不良 清收，形成风险共担机制。同时，银政协同有力推动了农房不动产权证的颁证工作。截至2025年9月 底，全市农房颁证63.06万户，占比达81.55%。 监管构筑防线，保障稳健运行。中国人民银行四川省分行将项目纳入金融科技创新监管工具，依托 工具为新技术应用与业务模式创新营造安全、可控的试点环境，降低试错成本。按照工具的风险实时监 测、数据安全指引及消费者权益保护机制，对项目进行全生命周期动态管理，提前识别化解潜在风险， 护航项目及其产品稳健运行。 扩面增效 金融为民服务成果"实"起来 从先行先试到遍地 ...

Core Viewpoint - The financial revitalization in Beichuan County, Sichuan, has significantly contributed to its recovery and development post the Wenchuan earthquake, showcasing the transformative power of targeted financial support and infrastructure investment [1][2][3]. Financial Growth - As of March 2025, Beichuan's financial indicators show remarkable growth, with total deposits reaching 21.445 billion yuan, a 5.31 times increase since the end of 2008, and total loans amounting to 21.046 billion yuan, an 11.08 times increase [1]. Infrastructure Development - The establishment of the Northchuan Yongchang Airport, funded by a 339 million yuan loan from Agricultural Bank of China, has spurred new business opportunities in aviation and tourism, with over 8,000 visitors for flight simulations generating 600,000 yuan in revenue [2]. - A financial consortium provided 797 million yuan for the Kaimao Reservoir, enhancing water supply for the region, while 660 million yuan in loans from Agricultural Development Bank supported cultural and tourism facilities, attracting over 60,000 visitors and generating 6 million yuan in income [2]. Industrial Activation - The Beichuan Poverty Alleviation Industrial Park, supported by a 70 million yuan loan, has enabled local tea production to reach national markets, benefiting hundreds of farmers [3]. - A 100 million yuan technology loan has facilitated the transformation of the local white goat industry, with the product recognized as a national specialty [3]. Inclusive Finance - The total balance of inclusive small and micro loans in Beichuan has reached 3.86 billion yuan, with innovative products like "Huinong e-loan" and "Homestay loan" accounting for over 40%, leading to an average income increase of 12,000 yuan per household [4]. Community Development - The "Erma Family" homestay, rebuilt with a 50,000 yuan loan, has evolved into a modern establishment with an annual income of 400,000 yuan, illustrating the impact of financial support on local entrepreneurship [5]. - The Agricultural Bank of China has provided 340 million yuan in credit to over 900 households, while local banks have extended 600 million yuan in credit to collective economic organizations, significantly boosting community economic growth [6]. Green Finance Initiatives - A 690 million yuan loan has supported the Northchuan National Reserve Forest project, promoting diversified forestry development and carbon offset initiatives, with an expected annual carbon sequestration increase of 0.3 tons per acre [7]. - As of March 2023, the total amount of green loans in Beichuan has reached 3.788 billion yuan, reflecting a commitment to sustainable development [7].