2025年12月29日至30日召开的中央农村工作会议在分析当前"三农"工作形势的基础上，部署了2026 年"三农"工作，特别提出"要持续巩固拓展脱贫攻坚成果，把常态化帮扶纳入乡村振兴战略统筹实施， 守牢不发生规模性返贫致贫底线"。 近五年，我国走过了巩固拓展脱贫攻坚成果同乡村振兴有效衔接过渡期，帮扶政策总体稳定，对脱 贫地区和脱贫人口扶上马、送一程的要求得到落实。根据农业农村部近期公开信息，"十四五"期间，全 国累计识别帮扶超过700万监测对象稳定消除返贫致贫风险，脱贫人口及家庭民生保障水平持续巩固提 升；同时，832个脱贫县均培育形成了2—3个优势特色突出、带动力强的主导产业，近3/4的脱贫人口与 新型农业经营主体建立了利益联结机制；在此基础上，脱贫人口务工就业规模持续稳定在3000万人以 上，稳住了脱贫家庭2/3以上的收入。多维帮扶作用下，2025年前三季度脱贫县农村居民人均可支配收 入为13158元，过渡期以来年均实际增长7.8%。其背后的金融支持也不容忽视。根据官方公开信息，截 至2023年6月末，脱贫人口小额信贷余额1880亿元，支持脱贫户和防止返贫监测对象438万户；在再贷款 额度倾斜等政策推动下 ...

常态化帮扶不是银行的"独角戏"，而是多方参与的"大合唱"。银行需深化政银担协同机制，联合地方政 府、担保机构共同分担信贷风险，扩大金融支持覆盖面。积极参与东西部协作与区域协调发展，推动资 金、技术等资源向欠发达地区流动。同时，拓展帮扶维度，将融资支持与消费帮扶、人才帮扶相结合， 助力拓宽农产品销路，强化乡村人才支撑。针对易地搬迁后续扶持等重点领域，推出专项金融产品，支 持安置点基础设施建设与产业培育，确保搬迁群众稳得住、能致富。 ■郝飞 日前召开的中央经济工作会议提出，持续巩固拓展脱贫攻坚成果，把常态化帮扶纳入乡村振兴战略统筹 实施，守牢不发生规模性返贫致贫底线。 笔者认为，作为服务实体经济的金融主力军，银行需构建长效化、精准化的金融支持体系，以可持续的 举措守住不发生规模性返贫致贫底线，为乡村振兴注入持久动能。 常态化帮扶的核心要义在于精准对接需求，银行需要强化党建引领作用，推动党组织与县乡村三级联 动，建立常态化对接机制，深入摸排脱贫户、边缘易致贫户的生产经营与融资需求。同时，借力数字化 转型浪潮，搭建线上办贷渠道，简化审批流程，让农户足不出户即可享受便捷金融服务。此外，加快农 村信用体系建设，为信用村、 ...

Core Viewpoint - The Agricultural Bank of China is actively supporting the consolidation of poverty alleviation achievements and the effective connection with rural revitalization, with a focus on financial assistance and innovative service models to enhance rural development and prevent large-scale poverty recurrence [2][3][4]. Group 1: Financial Support and Loan Balances - As of September 2025, the Agricultural Bank has a loan balance of 2.52 trillion yuan in 832 poverty-stricken counties, with 481.2 billion yuan in 160 key rural revitalization counties, maintaining a growth rate higher than the bank's average loan growth [2]. - The bank has provided a cumulative loan balance of 6.033 trillion yuan for targeted poverty alleviation, supporting nearly 920,000 impoverished individuals in production development and creating job opportunities for about 3.8 million people [4]. Group 2: Innovative Service Models - The bank has implemented the "Financial Village Director" model, appointing 45,000 directors to connect with local communities, provide financial education, and facilitate loan access through the "e-push customer" app, benefiting 6.16 million rural households with over 450 billion yuan in loans [3][4]. - In Inner Mongolia, the "Financial Village Director" model has been adopted in 82 administrative villages and 33 communities, resulting in 4,400 loan recommendations totaling 1.1 billion yuan [4]. Group 3: Targeted Loan Products - The "Rich People Loan" product has been instrumental in providing financial support to farmers, with a balance of 129.2 billion yuan, helping 1.41 million households improve their livelihoods [4][5]. - Since the launch of the "Rich People Loan," the Qinghai branch has issued over 12.9 billion yuan in loans, benefiting approximately 66,000 farmers and herders [5]. Group 4: Infrastructure and Public Services - The bank has increased financial support for infrastructure projects in key rural revitalization counties, with a loan balance exceeding 290 billion yuan, representing a growth of over 170% since 2021 [7]. - In Guizhou, the bank has provided 436 million yuan in credit support for public service facilities in 20 resettlement sites, benefiting 154,000 relocated individuals [7]. Group 5: Comprehensive Assistance and Collaboration - The Agricultural Bank has engaged in multi-faceted cooperation to enhance comprehensive assistance, providing financial services for 324 East-West cooperation projects with a total loan issuance of 12 billion yuan since 2021 [9]. - The bank's "Agricultural Bank Mall" model has facilitated over 10 billion yuan in consumption assistance for poverty-stricken areas, recognized as a national model for rural revitalization [9].

Core Viewpoint - The Shandong Financial Regulatory Bureau is implementing measures to enhance financial services for agriculture, rural areas, and farmers during the 14th Five-Year Plan period, aiming to support rural revitalization and improve financial service quality [1][2][3] Group 1: Agricultural Financial Support - Financial investment in agricultural industries is steadily increasing, with 15 policies introduced to promote modern agricultural development and improve farmers' income, resulting in a doubling of inclusive agricultural loan balance to 9,620.93 billion yuan by September 2025 compared to the end of 2020 [1] - Significant enhancement in financial support for grain production, with loans in key grain sectors reaching 534.39 billion yuan, an increase of 167.92 billion yuan or 45.82% since the beginning of the year [2] - Financial services in county and rural areas are rapidly developing, achieving full coverage of banking services in townships and basic financial services in administrative villages, with a loan balance of 6.44 trillion yuan in monitored counties, an increase of 1.71 trillion yuan or 36.15% since the end of 2022 [2] Group 2: Poverty Alleviation and Financial Inclusion - Small loans for poverty alleviation are being fully utilized, with 5.96 million households benefiting from a total loan amount of 2.625 billion yuan, an increase of 224 million yuan since the end of 2020 [3] - The Shandong Financial Regulatory Bureau plans to continue enhancing financial supply in the agricultural sector, improving the precision and effectiveness of financial services for agricultural entities to contribute to rural revitalization and common prosperity [3]

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].