"以前贷款跑县城，现在家门口就能办，省心省力，利息还低。"在河南省桐柏县石头畈村，茶农张春福在村级金融服务站办完"茶叶贷"后，脸上的笑意藏不住。 同样在桐柏县新集乡王寨村，朱砂红桃是"桃中珍品"，虽获国家地理标志产品认证，却因销售渠道窄，常面临"丰产不丰收"困境。为破解这一难题，帮助更多的种桃户稳定增收，邮储银行桐柏 在产业振兴方面，邮储银行桐柏县支行围绕当地"茶、艾、菌、花、果、鸡"六大特色产业精准发力，2025年上半年，扶持涉农龙头企业3个，培育新型农业经营主体87个，实现授信2100万元， 人才振兴方面，依托"百千万"工程培训计划和村两委协作，邮储银行桐柏县支行针对金融知识、征信贷款政策开展专项培训，累计培训基层人才超200人次，其中县、乡村基层干部120余人次， 在生态与民生改善上，邮储银行桐柏县支行聚焦县域民生工程，谋划"五网入地"项目助力城区用水、用电、用气改善，融资2.1亿元，已投放9208.5万元；为"桐柏县南部城区电力管线入地"项 自定点帮扶以来，邮储银行桐柏县支行每年投入无偿捐助帮扶资金不少于700万元，建设惠民项目20余个；新增投放有偿帮扶资金11.62亿元，支持县域重点项目5个，帮扶涉 ...

"真没想到减排也能够贷款了，国家的政策真好啊。"近日，《金融时报》记者从湖南省湘西州了解到， 得益于当地十八洞村565.37公顷林地的39850吨二氧化碳当量减排率，花垣县一家经营农副产品销售的 农业科技开发公司成为湘西州首张湘林碳票的持有人。在得知其子公司湖南某经贸公司在推进生态园建 设存在资金缺口后，工商银行湘西分行把握碳汇经济政策机遇，成立湘林碳票质押贷款业务工作专班， 主动对接该经贸公司融资需求，通过"湘林碳票质押+母公司保证"组合模式，向该经贸公司发放"种植e 贷"（茶叶）300万元，贷款的及时到位，缓解了公司的融资困境。 这是中国人民银行湘西州分行引导金融资源聚焦绿色低碳领域的又一案例。为做好绿色金融大文章，该 行积极探索绿色金融服务实践，通过推动创新融资模式、完善服务体系、优化产品供给，多措并举探 索"绿"里生"金"。截至2025年二季度末，湘西州绿色贷款余额218.65亿元，较年初增长16.35%，上半年 增加30.72亿元，占各项贷款新增额的51.13%。 以创新破局 激活碳票质押效能 湘西州林木资源十分丰富，拥有林地面积1733.39万亩，森林覆盖率稳定在60.35%，森林蓄积量6112. ...

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]

据介绍，中国人民银行雅安市分行充分发挥支农支小再贷款精准滴灌作用，撬动向2889户涉农市场主体 发放低成本贷款43.04亿元。审核"支小惠商贷""助农振兴贷"奖补申请1499万元，撬动发放贷款15亿 元，利率不超过3.4%。用足用好风险分担机制，依托1.02亿元乡村振兴农业产业发展贷款风险补偿金， 以20倍撬动倍数发放贷款20.23亿元，为涉农主体融资"增信减负"。 按季开展金融机构服务乡村振兴考核评估，强化评估结果共享运用，有效发挥考核"指挥棒"作用。截至 6月末，全市涉农贷款余额552.9亿元，占各项贷款比重35.3%，高于全省同期水平14.1个百分点。 聚焦重点领域 助力村美业兴民富 四川雅安，先天的资源禀赋造就了这座绿色美丽之城特色农业产业的"丽质面孔"。如何做好乡村全面振 兴的答卷？雅安正在紧锣密鼓地探索之中。中国人民银行雅安市分行在市级各部门的协同配合下，积极 推动雅安市金融系统以"千万工程"经验为指引，聚焦乡村振兴重点领域，持续优化金融服务供给，充分 发挥央行职责使命，以金融之力，助力雅安乡村全面振兴走深、走实。 近日，《金融时报》记者在雅安采访时看到，中国人民银行雅安市分行从健全完善机制，凝聚 ...

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].

作为国有大行，陕西工行近年来以绿色金融为抓手，发挥绿色金融委员会统筹作用，形成"三清单"管理 机制，将绿色金融纳入绩效考核；聚焦煤炭等石化能源清洁高效利用领域，运用"云会商、云评估、云 审议"机制做好绿色信贷业务磋商；在投融资全流程嵌入ESG风险识别，落实生态环保政策。 在"绿色+普惠+乡村振兴"领域，陕西工行创新推出"西安民宿贷"，支持民宿节能改造、采购环保建材。 截至6月末，已投放贷款近8000万元，惠及51户经营者。"苹果兴农贷""林麝贷""丹凤核桃贷""茶叶 贷"等普惠产品，也满足了农户绿色生产需求，激活了乡村绿色动能。 围绕清洁能源、生态修复等重点领域，陕西工行以"投贷联动"加大支持，截至6月末，清洁生产和生态 环境产业贷款余额达360亿元。同时，创新生态资源价值融资模式，支持秦岭大熊猫保护繁育基地建 设，并为陕西省东庄水利枢纽工程项目投放超5亿元贷款，助力黄河流域综合治理，投放额在同业中领 先。（王潇蒙） 转自：新华财经 从工商银行陕西省分行（以下简称"陕西工行"）获悉，截至今年上半年，陕西工行绿色贷款余额超1000 亿元，较年初增长9.3%，高于各项贷款平均增速，大中型绿色贷款客户数实现翻倍增长 ...

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]

Core Viewpoint - The article emphasizes the successful implementation of the "Green Mountains and Clear Water are Gold and Silver Mountains" concept in Hainan, showcasing the province's commitment to ecological civilization and sustainable development, leading to significant economic and environmental benefits [6][8]. Group 1: Ecological Value and Economic Impact - The ecological product value (GEP) of the Wanquan River Basin for 2023 is estimated at 2097.53 billion yuan, marking the first time such a valuation has been conducted at the watershed level in the province [3]. - The "Two Mountains Platform" in Baisha has activated ecological resource value, providing over 41 million yuan in loans to small and micro enterprises, benefiting more than 3,900 farmers [5]. - The marine ranch at Wuzhizhou Island has seen fishery resources increase by over 200%, with fishery resources in artificial reef areas being five times higher than surrounding regions [5]. Group 2: Environmental Achievements - Hainan achieved a 99.4% proportion of good air quality days last year, with PM2.5 concentration at 12 micrograms per cubic meter, maintaining a leading position nationally in ecological quality [6]. - The flagship species of the Hainan gibbon has increased to 42 individuals across 7 groups, showcasing successful conservation efforts [6]. - The province has implemented a comprehensive ban on plastic, achieving an 80% replacement rate with biodegradable products [6]. Group 3: Green Industry Development - Hainan's new energy vehicle ownership reached 409,000 units by the end of last year, ranking second nationally, with a market share for new and replacement vehicles being the highest in the country [7]. - The province has established production capacities for modified materials (34,500 tons), catering products (45,000 tons), and film bags (57,100 tons) [7]. - The output value of biodegradable materials is projected to reach 406 million yuan in 2024, reflecting a growth of 68.25% [7]. Group 4: Future Directions - Hainan is committed to further advancing ecological protection and sustainable development, focusing on green and low-carbon transitions in production and lifestyle [7]. - The province aims to support the construction of a free trade port through high-level ecological environment protection [7].

Core Insights - The article highlights the financial support provided to the tea industry in Anhui Xuancheng, focusing on the implementation of the "Rural Industry Revitalization and Common Development Plan" by the People's Bank of China Xuancheng branch [1] - The integration of finance with the tea industry and culture aims to enhance the overall development of the tea sector, transforming it into a lifestyle choice [1] Financial Support Initiatives - The Ma'anshan Rural Commercial Bank Guangde Branch has introduced a "Tea Industry Full Chain Financial Plan," offering a product matrix of "short-term turnover + long-term support" to address funding gaps for tea farmers and enterprises [2] - The bank provides low-interest loans to tea farmers and long-term loans of up to 5 years for tea companies, facilitating modern factory construction and equipment upgrades [2] Impact on Local Economy - The financial support has enabled local enterprises like Jitong Tea Development Co., Ltd. to expand production, resulting in increased refined tea output and enhanced product competitiveness [2] - The collaboration between the bank and Jitong Tea has also included promotional efforts, such as a video showcasing the tea production process, which has helped elevate the brand's visibility [2] Employment and Community Development - The growth of Jitong Tea has led to the creation of over 50 jobs for tea pickers and 20 for processing workers, contributing to local employment and increasing annual income for surrounding villagers by 10,000 yuan per person [3] - The implementation of organic planting and ecological maintenance practices has fostered a close connection between enterprises, farmers, and production bases, promoting sustainable development [3] Financial Metrics - As of April 2025, the loan balance for agricultural projects at the Ma'anshan Rural Commercial Bank Guangde Branch is expected to exceed 790 million yuan, supporting over 10 tea enterprises and farmers [3] - The bank's support has been crucial for the development of regional brands like "Guangde Golden Bud" and "Jishan Bamboo Sea Tea" [3]