一是涉农产业金融投入稳步增长。学习运用"千万工程"经验,联合省财政、农业农村等多部门,出台推动 现代设施农业发展、农村人居环境整治、促进农民增收等政策15项,进一步强化了政策协同性、针对 性、有效性。聚焦省内优势产业,引导银行机构加大对烟台苹果、寿光蔬菜、昌乐西瓜、阳信肉牛、临 清羊肉等全省知名特色农产品的信贷支持力度,助力打造"好品山东"。截至2025年9月末,辖区普惠型涉农 贷款余额为9620.93亿元,较2020年末翻了一番。 11月13日上午,省政府新闻办举行新闻发布会,介绍"十四五"时期推进山东金融高质量发展情况。国家金 融监督管理总局山东监管局一级巡视员于雷表示,"十四五"时期,山东金融监管局围绕优化机构设置、聚 焦重点领域、服务重点人群、优化产品供给、强化风险管理等工作制定切实举措,持续提升金融服务"三 农"质效,助力打造乡村振兴"齐鲁样板"。 四是脱贫人口小额信贷应贷尽贷。推动金融支持巩固拓展脱贫攻坚成果同乡村振兴有效衔接,持续做好 对享受政策脱贫人群信贷支持,实现应贷尽贷。引导银行保险机构落实"四个不摘"要求,持续加大对黄河 原蓄滞洪区居民、黄河滩区迁建群体及9市23县享受政策脱贫人群的金融 ...

在桂西壮乡，德保县隆桑镇谷留村从曾经的大石山区深度贫困村脱贫后，又蜕变为拥有"自治区社会主 义核心价值观建设示范点""市级乡村治理示范村"等多项荣誉的乡村振兴示范村。这一转变的背后是中 国人民银行百色市分行脱贫攻坚与乡村振兴五年过渡期金融帮扶的坚实足迹。五年来，该行通过党建引 领、金融支持、产业赋能、乡村治理四大举措，为推进乡村全面振兴提供有力金融支撑。 "给钱给物，不如建强党支部！"2024年谷留村党支部获评自治区四星级村党组织时，时任驻村第一书记 的唐丽江在日记中写道。中国人民银行百色市分行党委坚决扛牢政治责任，每半年定期研究帮扶工作， 多次深入谷留村调研，与村党支部联学共建。通过"传帮带"将机关管理经验融入村级事务，帮助村"两 委"提升治理能力。该行驻村第一书记接续获评市"优秀第一书记"，工作队获"优秀驻村工作组"称号。 中国人民银行百色市分行发挥金融优势，优化农村服务环境，提升村民金融素养，打通金融服务到田间 地头的"最后一公里"。针对农户融资难题，组织金融机构完成整村授信。截至2025年上半年末，全村贷 款余额超750万元，其中脱贫人口小额信贷余额超300万元，款项流向规模种养殖加工厂，进一步培育致 ...

Core Insights - The article highlights the efforts of Jinchuan District in addressing the financing difficulties faced by small and micro enterprises, emphasizing a collaborative mechanism between finance and fiscal policies to support the real economy [1][3]. Financing Cost Reduction - Jinchuan District has implemented a fiscal interest subsidy strategy to lower financing costs for small and micro enterprises and the agricultural sector, leveraging central bank policies to encourage banks to provide low-interest loans [1][3]. - In 2024, Jinchuan District allocated 2.0538 million yuan in interest subsidies, facilitating the issuance of 7.4495 million yuan in microloans to impoverished populations and 57.26 million yuan in entrepreneurial guarantee loans, benefiting over 150 impoverished households and supporting more than 20 small enterprises [3]. Credit Enhancement System - The district has established a credit enhancement system combining fiscal investment and risk-sharing to alleviate the lack of qualified collateral among small enterprises [1][3]. - A total of 25 million yuan has been injected into government financing guarantee institutions, along with the establishment of various risk compensation funds to support small loans and entrepreneurial guarantees [3][5]. Service Optimization - Jinchuan District has developed a comprehensive service system to improve financing accessibility, including a mechanism for coordinating financing support for small enterprises and conducting extensive outreach to identify financing needs [5][7]. - By the end of 2024, over 21,000 market entities were visited, resulting in 920 recommendations to financial institutions, with 728 receiving credit and 714 obtaining loans totaling 1.202 billion yuan [5][7]. Innovative Financing Models - The district has introduced innovative financing models, such as the "Government Procurement Loan" service, which streamlines the loan application process and offers low-interest rates [5][7]. - The digital financing platform has onboarded over 27,000 market entities and 11 financial institutions, facilitating a total loan issuance of 1.956 billion yuan through 934 successful transactions [7].