转自：新华财经 云南怒江大峡谷深处，高黎贡山的云海翻涌着绿意。在这片被联合国教科文组织列为"世界生物圈保护 区"的土地上，多民族依山而居，生态红线与发展需求交织。怒江州银行业在人民银行怒江州分行的指 引下，以金融为梭，织就一幅高质量发展的画卷。 高黎贡山保护区如同横亘在滇西的生态脊梁，守护着丰富的动植物物种。面对"保护优先"与"民生所 盼"的辩证命题，人民银行怒江州分行先后出台《金融支持高黎贡山区域生物多样性保护实施方案》 《怒江州金融支持民族团结进步示范区建设推动乡村全面振兴工作方案》等政策，指导全州金融机构紧 扣"念好山水经、打好生态牌"的发展思路，做好金融"五篇大文章"。 产业蝶变：林下经济结出"生态硕果" 政策的落地，滋润了特色产业的转型升级。 在贡山独龙族怒族自治县普拉底乡的密林中，草果紫红色的果实如繁星点缀。近年来，怒江银行业 以"龙头企业+合作社+农户"模式打造全产业链金融，帮助草果产业搭上"金融快车"，实现从深山珍宝到 国际香料的蜕变。 怒江峡谷优果农产品有限公司的现代化烤房里，82台风机烘烤着草果，空气里弥漫着辛辣香气。"300 万'林下经济贷'到位后，我们的产能翻了两番！"怒江峡谷优果农产 ...

专题：稳舵行远篇丨金融新启航 在经济转型与周期波动交织的背景下，金融体系承担着稳预期、稳增长、稳结构的重要使命。如何在复 杂环境中把握方向、校准节奏，成为金融业必须直面的现实课题。 新浪财经推出《金融新启航·稳舵行远篇》专题系列，聚焦宏观政策取向、金融运行逻辑与重点领域改 革进展，邀请金融业界专家和学者，围绕金融如何更好服务实体经济、提升体系韧性展开深入讨论，记 录中国金融"稳中求进"中的关键判断与实践路径。本期《金融新启航·稳舵行远篇》对话中国农业大学 经济管理学院教授、农村金融与投资研究中心主任何广文。这位长期深耕普惠金融与农村金融研究的学 者指出，在普惠金融进入提档升级的新阶段，政策体系与金融机构的战略调整显得尤为关键。 他表示，高质量发展的核心，不仅是继续完善政策制度，更重要的是构建一个更加市场化、商业可持续 的体系。"核心是打破对政策补贴的路径依赖，金融机构要重构普惠金融业务定价机制，重构普惠业务 的成本-收益模型，让普惠金融'有利可图'，激活机构内生动力，使普惠金融业务成为金融机构可持续的 盈利增长点。" 何广文指出，不少企业主体特别是乡村新型农业经营主体，虽然获得了银行贷款，却仍需依赖民间借 贷 ...

Core Insights - The article highlights the successful implementation of financial services in rural areas of Henan Province, specifically in Tongbai County, which has improved local agricultural productivity and economic conditions [1][2] Group 1: Financial Services and Support - The establishment of village-level financial service stations has made it easier for local farmers to access loans, such as the "Tea Loan," which has lower interest rates and is more convenient [1] - Postal Savings Bank of China in Tongbai County has adopted an innovative "Party Building + Finance" model to support local agricultural development, leading to the creation of standardized tea gardens and significant increases in collective economic income [1] Group 2: Agricultural Development - The bank has focused on six key local industries, including tea and peach production, and has supported three agricultural leading enterprises and 87 new agricultural operating entities, with a total credit of 21 million yuan by mid-2025 [2] - The bank's initiatives have helped local peach producers overcome sales challenges, enhancing their income stability [2] Group 3: Talent and Ecological Improvement - The bank has conducted specialized training for over 200 grassroots talents, including more than 120 county and village-level officials, focusing on financial knowledge and credit loan policies [2] - Investments in local infrastructure projects, such as the "Five Networks into the Ground" initiative, have improved urban utilities, with a financing of 210 million yuan and 92.085 million yuan already disbursed [2] Group 4: Community Support and Funding - Since the targeted assistance began, the bank has contributed at least 7 million yuan annually in donations for community projects and has provided 1.162 billion yuan in paid assistance funds to support key county projects and agricultural enterprises [2]

Core Insights - The article highlights the innovative use of carbon credits as collateral for loans in Xiangxi, showcasing the integration of green finance into local economic development [1][2][3] Group 1: Carbon Credit Financing - A local agricultural technology company in Huayuan County became the first holder of Xianglin carbon credits, leveraging a carbon reduction of 39,850 tons of CO2 equivalent from 565.37 hectares of forest land [1] - The Industrial and Commercial Bank of China (ICBC) Xiangxi branch initiated a carbon credit pledge loan program, providing a loan of 3 million yuan to support the company's ecological park construction [1] - The total green loan balance in Xiangxi reached 21.865 billion yuan by the end of Q2 2025, marking a 16.35% increase from the beginning of the year [1] Group 2: Green Finance Development - The People's Bank of China Xiangxi branch is actively promoting green finance by establishing a three-tier transformation system for forest carbon credits, facilitating the marketization of ecological products [2] - Agricultural Development Bank of China (ADBC) Huayuan County branch approved a carbon credit pledge loan of 79 million yuan to support agricultural project financing [2] - The Xiangxi government has introduced a plan to encourage financial institutions to support the green transformation of the mining industry, with a specific loan of 5 million yuan allocated for mining process upgrades [4] Group 3: Institutional Framework - The People's Bank of China Xiangxi branch is enhancing the green finance institutional framework by collaborating with multiple departments to implement a green finance development plan [3] - Local banks have increased their green credit investments, with ADBC Xiangxi branch providing 905 million yuan in loans to key clean energy projects [3] Group 4: Mechanisms and Evaluation - The Xiangxi branch of the People's Bank of China is strengthening supervision and establishing a multi-departmental working group to ensure the effective implementation of green finance policies [5][6] - Local financial institutions are developing a three-dimensional credit enhancement system to address the financing challenges faced by green agricultural projects [7] Group 5: Innovative Financial Products - The "Tea Loan" product from Baoping Rural Commercial Bank exemplifies the integration of green finance with local agricultural industries, offering quick access to credit for tea farmers [8] - Other tailored financial products, such as the "Bier Navel Orange Loan," have been developed to support specific agricultural sectors, demonstrating the commitment of local banks to rural revitalization [8]

Core Insights - The article highlights the innovative use of carbon credits as collateral for loans in Xiangxi, showcasing the integration of green finance into local economic development [1][2][3] Group 1: Carbon Credit Financing - A local agricultural technology company in Huayuan County became the first holder of Xianglin carbon credits, leveraging a carbon reduction of 39,850 tons of CO2 equivalent from 565.37 hectares of forest land [1] - The Industrial and Commercial Bank of China Xiangxi Branch initiated a carbon credit pledge loan program, providing a loan of 3 million yuan to the company to support its ecological park construction [1] - The Xiangxi branch of the People's Bank of China is actively guiding financial resources towards green low-carbon sectors, with green loan balances reaching 21.865 billion yuan, a 16.35% increase from the beginning of the year [1] Group 2: Green Financial System Development - The People's Bank of China Xiangxi Branch has established a comprehensive system to promote green finance, collaborating with multiple government departments to enhance support for green economic initiatives [3] - Local banks have responded by increasing green credit allocations, with the Agricultural Bank of Xiangxi providing 905 million yuan in loans to key clean energy projects [3] Group 3: Support for Mining Sector Transition - The Xiangxi government has introduced a plan to encourage financial institutions to support the green transformation of the mining industry, with a specific loan of 5 million yuan allocated for a mining company's process upgrade [4] - This initiative aims to reduce energy consumption and enhance tax revenue, demonstrating a dual benefit of energy savings and increased profitability [4] Group 4: Enhancing Green Development Mechanisms - The People's Bank of China Xiangxi Branch is strengthening supervision and guidance to ensure the effective implementation of green finance policies across local banks [5][6] - A three-dimensional credit enhancement system is being developed to address the financing challenges faced by green agricultural projects, focusing on credit, guarantees, and industry chain collaboration [7] Group 5: Innovative Financial Products for Agriculture - Local banks are launching tailored financial products like "Tea Loan" and "Orange Loan" to support specific agricultural sectors, utilizing innovative credit assessment methods [8] - The introduction of these products aims to provide quick access to credit for farmers, enhancing their ability to invest in sustainable practices and improve production efficiency [8]

Core Viewpoint - The People's Bank of China (PBOC) in Ya'an is actively promoting financial services to support rural revitalization, leveraging its unique resources and collaborative efforts with local departments to enhance financial support for agriculture and rural development [1] Group 1: Mechanism Improvement and Collaborative Efforts - The PBOC in Ya'an has established a joint meeting system with local financial and agricultural departments to clarify responsibilities and coordinate efforts in rural revitalization [2] - A total of 30 million yuan in central financial support has been allocated to enhance inclusive financial development in the Ming Mountain area, improving rural financial service capabilities [2] - The balance of entrepreneurial guarantee loans in Ya'an increased from 367 million yuan in 2022 to 551 million yuan by June 2025, supporting approximately 2,600 returning entrepreneurs and creating over 8,300 jobs [2] Group 2: Focus on Key Areas - The PBOC has issued a plan to support the construction of the "Tianfu Granary" in Ya'an, focusing on the entire agricultural supply chain, with significant increases in loans for seed production, agricultural machinery, and other areas [4] - By June, the loan balances for seed and grain production, agricultural materials, and agricultural machinery saw year-on-year increases of 167%, 120.8%, 72.5%, and 227.8% respectively [4] Group 3: Empowering Local Industries - The PBOC has implemented a "one chain, one policy" financial service model for local specialty industries, resulting in a 34.1% year-on-year increase in loans for tea and pepper industries [5] - By June, the total agricultural loan balance reached 6.052 billion yuan, with loans to 3,102 households in the tea and pepper industries amounting to 1.562 billion yuan [5] Group 4: Service Quality Optimization - The PBOC has evaluated and improved the rural credit environment, issuing 8.19 billion yuan in loans to 41,500 credit farmers, with 7.136 billion yuan being credit loans [7] - The agricultural technology loan balance saw a significant year-on-year increase of 1,557%, reflecting the impact of digital technology on rural financial services [7]

Core Viewpoint - The integration of credit services with local cultural heritage is driving rural revitalization and enhancing the development of characteristic industries in Tongcheng, Anhui Province [1][9]. Group 1: Credit Empowerment for Industry Development - The People's Bank of China (PBOC) Anqing Branch is implementing a plan to enhance rural credit environments and support local industries through a comprehensive credit system by 2025 [2]. - The green packaging industry, a major sector in Tongcheng, has seen significant financial support, with 12 differentiated financial products launched, totaling credit of 1.678 billion yuan, benefiting over 1,200 enterprises [3]. - The green packaging industry cluster includes over 570 small and medium-sized enterprises and has been recognized as a characteristic industry cluster in Anhui Province [3]. Group 2: Financial Support for Agriculture - The PBOC Anqing Branch has introduced tailored financial products like "Tea Loan" to support the tea industry, addressing the unique seasonal financing needs of tea farmers [4][5]. - The Tongcheng Xiaohua Tea Company has received rapid loan approval, enabling the expansion of its zinc-rich tea production, with an annual output of 390 million tons [5]. Group 3: Rural Credit System and Community Support - The rural credit system is crucial for rural revitalization, with the PBOC Anqing Branch focusing on enhancing credit information sharing and developing over 20 inclusive financial products for agricultural entities [8]. - The Anqing Rural Commercial Bank has provided customized financial solutions, issuing 1 million yuan in loans to support the expansion of a chili planting cooperative, resulting in over 3 million yuan in increased income for the community [8]. Group 4: Cultural Integration and Social Harmony - The PBOC Anqing Branch is promoting the integration of traditional cultural values with credit services, enhancing community governance and social harmony through initiatives like the "Six-Character Work Method" [6][7].

Core Viewpoint - Agricultural credit institutions face challenges in cultural dissemination, including traditional communication methods, content homogenization, and low audience engagement. Innovating communication strategies is essential for leveraging unique financial culture to support rural revitalization [1][2]. Group 1: Core Connotations of Agricultural Credit Culture - The unique financial culture of agricultural credit institutions combines professional attributes with rural social characteristics, forming a distinctive cultural paradigm [2]. - "Backpack Spirit" emphasizes deep interaction and long-term trust, exemplified by local credit officers who provide services directly to farmers, overcoming traditional banking limitations [2]. - "Three Waters" culture represents professional identity through localized expressions, such as uniforms that reflect the unique practices of rural banking [2][3]. - "Family Culture" integrates organizations into communities, enhancing governance and reducing transaction costs through a dual embedding mechanism [3]. - "Grassroots Wisdom" showcases the innovative application of local knowledge in financial assessments, transforming agricultural experience into actionable financial decisions [3]. Group 2: Value Dimensions and Practical Significance of Cultural Dissemination - Cultural dissemination serves as a socialization process for organizational culture, impacting brand construction, organizational identity, and resource allocation [4]. - Brand value stems from the positioning of agricultural credit institutions as "banks for farmers," with cultural dissemination enhancing brand personification and service experiences [4]. - Organizational identity and service effectiveness are improved through initiatives like the "Most Beautiful Backpacker" awards, which enhance employee recognition and operational performance [4]. Group 3: Current Pain Points in Cultural Dissemination - Agricultural credit institutions face generational gaps in media ecology, with most relying on traditional methods that do not resonate with younger audiences, leading to low engagement [6]. - There is a mismatch between cultural symbols and regional characteristics, with standardized promotional materials failing to reflect local uniqueness [6]. - Interaction between dissemination modes and audience needs is lacking, with a significant portion of content not clearly linking financial products to farmer benefits [7]. Group 4: Strategies to Revitalize Agricultural Credit Culture - A "five-in-one" model for cultural dissemination can enhance effectiveness through new media narratives, participatory mechanisms, cultural IP development, collaborative networks, and provincial coordination [8][9]. - New media storytelling should transform professional content into emotionally resonant narratives, fostering deeper connections with audiences [8]. - Participatory mechanisms can create community engagement, allowing customers to experience financial processes firsthand and generate user-created content [8]. - Cultural IP development involves identifying local elements and creating visual symbols that resonate with community values [9]. - Collaborative networks with media partners can significantly enhance dissemination effectiveness, as demonstrated by increased coverage rates through strategic partnerships [10]. - Provincial coordination can streamline dissemination efforts, improving resource allocation and content efficiency [10].

Core Insights - The Industrial and Commercial Bank of China Shaanxi Branch (Shaanxi ICBC) has achieved a green loan balance exceeding 100 billion yuan, reflecting a 9.3% increase compared to the beginning of the year, outpacing the average growth rate of all loans [1] - Shaanxi ICBC ranked first among 24 evaluated institutions in the green banking assessment conducted by the Shaanxi Regulatory Bureau of the National Financial Supervision Administration, receiving an excellent rating [1] - The bank has implemented a "three-list" management mechanism and integrated green finance into performance evaluations, focusing on clean and efficient utilization of coal and petrochemical energy [1] - Innovative financial products such as "Xi'an Homestay Loan" have been introduced to support energy-saving renovations and environmentally friendly material procurement, with nearly 8 million yuan disbursed benefiting 51 operators [1] - The bank's loans for clean production and ecological environment industries reached 36 billion yuan by the end of June, demonstrating a strong commitment to clean energy and ecological restoration [2] - Shaanxi ICBC has also supported significant projects like the Qinling Giant Panda Protection Breeding Base and the Dongzhuang Water Conservancy Hub, providing over 500 million yuan in loans for comprehensive governance of the Yellow River Basin [2]

Group 1 - The article highlights the integration of meteorological technology with financial services to enhance the profitability of local agricultural products in Shandong Province, particularly in Shizhu County [1] - The establishment of a smart mushroom greenhouse equipped with IoT monitoring systems has enabled farmers to cultivate mushrooms more scientifically, improving yield and quality [2][3] - The local mushroom cooperative received a loan of 1.4 million yuan from Postal Savings Bank, resulting in an annual output value of 4.8 million yuan and a 20% increase in yield due to advanced monitoring and management techniques [3] Group 2 - The article discusses the development of a climate-friendly agricultural industry in Shizhu County, with a focus on creating high-value products through climate brand certification and the introduction of various processed products [4] - Postal Savings Bank has tailored financial services to meet the specific needs of local climate-friendly enterprises, offering specialized loan products such as "Mushroom Loan," "Walnut Loan," and "Tea Loan" to support rural revitalization [4] - As of May, Postal Savings Bank has provided over 80 million yuan in loans to climate-friendly enterprises in Shizhu County, covering various sectors and addressing financing challenges for local businesses [5]