2025年10月，"金融强国"首次写入国民经济和社会发展五年规划建议，其中要求大力发展科技金融、绿 色金融、普惠金融、养老金融、数字金融；12月，《中共广东省委关于制定广东省国民经济和社会发展 第十五个五年规划的建议》正式发布，"加快建设金融强省"的表述同样被反复强调。 作为这一宏伟战略的贯彻执行者，2025年，中国人民银行广东省分行以做好金融"五篇大文章"为核心抓 手，创新构建"1+N"政策支撑体系，通过模式创新破解融资堵点，以典型案例扩大政策效应，用扎实数 据彰显服务质效，为广东经济高质量发展和区域协调进步注入强劲金融动能。 数据显示，2025年末，广东存贷款余额继续稳居全国第一。其中，截至2025年11月末，广东金融"五篇 大文章"贷款余额达12.7万亿元，同比增长10.8%，较年初增加1.2万亿元，占同期全省各项贷款增量比 重达79.9%；2025年末，粤东粤西粤北地区贷款余额同比增长6.5%，增速比全省各项贷款高1.2个百分 点。 "1+N"政策体系画蓝图，"五篇大文章"谱新篇 写好"五篇大文章"，非零敲碎打之功，需系统性的顶层设计与精准施工。2025年，中国人民银行广东省 分行牵头印发《关于做好广 ...

习近平总书记指出，中国式现代化，乡村振兴是个大课题。 2025年12月召开的中央农村工作会议提出"创新乡村振兴投融资机制，不断增添乡村发展动力活 力"。过去一年，金融管理部门持续强化政策引领，鼓励银行机构下沉服务，围绕高标准农田、设施农 业建设、种业振兴等涉农重点领域，加大信贷投放，通过持续的金融要素保障，支持乡村全面振兴取得 显著成效。中国人民银行将支农再贷款和支小再贷款合并为支农支小再贷款，并优化管理方式，使政策 激励引导作用得以充分发挥。 国家金融监督管理总局数据显示，截至2025年三季度末，银行业金融机构普惠型涉农贷款余额14.1 万亿元，较年初增加1.2万亿元。 乡村全面振兴的深层密码，在于唤醒乡村自身的发展潜能。乡村发展动力活力的培育与释放，是实 现乡村产业兴旺、生态宜居、乡风文明、治理有效、生活富裕的核心支撑。金融作为现代经济的血脉， 不仅是资金供给的"输血者"，更是激活乡村自我发展能力的"造血者"。 首先，激活乡村发展动力活力，需要进一步完善和健全金融供给体系。 乡村全面振兴是一项长期而艰巨的任务，相信在金融力量的持续赋能下，乡村的内生动力将充分释 放，为建设宜居宜业和美乡村、实现共同富裕提供 ...

Core Insights - The Guangdong branch of Bank of Communications is committed to supporting the high-quality development of the Guangdong-Hong Kong-Macao Greater Bay Area through innovative financial services and green transformation initiatives [1][2][3]. Financial Services and Innovation - The bank has established a service structure that includes "centers + special teams + technology-focused branches" to enhance support for technology innovation [2]. - A new evaluation model for technology enterprises has been developed, allowing for better identification of innovation capabilities and financing needs, thus expanding financing opportunities for tech companies [2][3]. - The bank's technology enterprise loans increased by 12.8% year-on-year as of November 2025, maintaining a double-digit growth rate over the past three years [3]. Green Finance Initiatives - The bank has launched innovative financial products like "Lychee Loan" to support the agricultural sector, demonstrating its commitment to green finance [4][5]. - A dedicated green finance center has been established, and the bank has initiated several pioneering green financing projects, including loans for the ceramic industry and carbon credit financing [4]. - Green loans increased by approximately 18% year-to-date as of November, contributing to ecological and marine development in Guangdong [5]. Inclusive Finance - The bank has implemented initiatives to enhance financial accessibility, including the "Thousand Enterprises and Ten Thousand Households" outreach program, promoting various loan products tailored for small and micro enterprises [6][7]. - The average annual growth rate of inclusive loans has exceeded 30% over the past three years, providing substantial support to small businesses [7]. Elderly Care and Social Services - The bank has developed "elder-friendly" branches and partnered with social security services to enhance financial accessibility for the elderly [9]. - It has established 50 elder-friendly branches and introduced various financial products aimed at supporting the elderly population [9]. Digital Transformation - The bank has integrated digital services into its operations, deploying over a thousand "Yue Zhi Zhu" government service machines in rural areas to enhance financial service accessibility [10]. - The bank has also collaborated with local electric vehicle manufacturers to create an integrated credit service project, facilitating over 1.4 billion yuan in loans for green transportation [11]. - The application of digital currency is expanding, enhancing consumer experiences in various sectors [11].

Core Viewpoint - The article highlights the emergence of various green brands in Maoming, Guangdong, which are significantly contributing to the local economy and employment through a robust agricultural industry supported by financial reforms aimed at enhancing inclusive finance [2][9]. Group 1: Agricultural Industry Development - Maoming has established a strong agricultural foundation, with a total agricultural output value projected to reach 120.89 billion yuan in 2024, making it the only city in Guangdong to exceed 100 billion yuan in agricultural output for five consecutive years [2][3]. - The city has developed a full industrial chain around its key products, including lychee and Huaju Hong, with the total output value of the specialty agricultural industry exceeding 53 billion yuan, creating job opportunities for over 600,000 people [3][6]. Group 2: Financial Support and Innovation - The introduction of various financial products such as "Lychee Loan," "Huaju Hong Loan," and "Tilapia Loan" has addressed the urgent financing needs of farmers and small businesses, enabling them to expand operations and improve productivity [3][5]. - The recent guidance from seven ministries emphasizes the need for financial institutions to enhance their services in rural areas, focusing on supporting Maoming's advantageous agricultural industries and new agricultural business models [6][9]. Group 3: Policy Framework and Implementation - The "Guiding Opinions" issued by the People's Bank of China and other ministries outline nine key tasks for deepening inclusive finance reforms in Maoming, providing a roadmap for enhancing financial services in agriculture and rural areas [6][7]. - The policy encourages the development of a comprehensive insurance product system and the inclusion of various agricultural assets as collateral to facilitate financing for farmers and agricultural enterprises [7][8]. Group 4: Future Prospects - Maoming's selection as one of the new pilot cities for inclusive finance reform signifies both an honor and a responsibility, aiming to enhance financial services and support the goal of common prosperity for all [9][10]. - The ongoing reforms are expected to provide new momentum for high-quality development in Guangdong's rural areas, positioning Maoming as a model for agricultural revitalization across the country [10].

Core Viewpoint - The development of the lychee industry in Maoming City, Guangdong, is crucial for enhancing its market presence and economic value, with significant financial support and innovative measures being implemented to boost production and sales [1][2][3]. Group 1: Industry Overview - Maoming City has a lychee planting area of 1.4239 million acres, generating a production value of 5.754 billion yuan, with various initiatives such as the establishment of demonstration gardens and specialized towns [1]. - The city has registered 19 export orchards and 8 packaging factories, expanding its sales radius to 20 countries and regions, with the fastest delivery to markets like the Middle East and Europe within 3 days [1]. Group 2: Financial Support Initiatives - The Maoming Municipal Finance Bureau is leading efforts to connect financial resources with the lychee industry, focusing on supporting e-commerce and providing credit resources to enterprises and production areas [2][3]. - Over 50 financial products related to lychee, including "order loans" and "lychee e-loans," have been introduced to support the entire industry chain from planting to sales [2][4]. Group 3: Financial Policy Implementation - A financing platform has been established to enhance financial supply, with a goal of mobilizing approximately 5 billion yuan in credit resources for rural revitalization over three years [3]. - The city has implemented a payment settlement system that allows for T+0 instant transactions for e-commerce sales, significantly improving transaction efficiency by over 60% [3][4]. Group 4: Challenges in Financial Support - The lychee industry faces challenges such as weak industry clustering, lack of unified branding, and high logistics costs, which hinder the ability to meet bank credit requirements [7][8]. - There is a significant information asymmetry between farmers and financial institutions, leading to difficulties in accessing necessary funding [7][8]. Group 5: Recommendations for Improvement - Establishing a comprehensive information-sharing mechanism and enhancing financial product awareness among lychee producers and sellers is recommended [9]. - Developing a robust guarantee and risk-sharing mechanism to support credit access for farmers and enterprises is essential [9][10]. - Optimizing logistics and supply chain management through standardized systems and innovative financing products is crucial for reducing costs and improving efficiency [10][11].

Core Viewpoint - The financial support and innovative measures implemented by the People's Bank of China in Maoming are significantly enhancing the development of the lychee industry, promoting rural revitalization and contributing to common prosperity. Financial Support Initiatives - The People's Bank of China in Maoming has established a comprehensive financial support system for the high-quality development of the lychee industry, including various preferential policies and financial cooperation agreements with local governments [2][3] - In 2023, the bank has injected a total of 3.575 billion yuan in loans and discounts to support agricultural and small enterprises, benefiting 2,580 market entities [2] Innovative Financial Products - Multiple banks have introduced over 10 specialized credit products related to lychee, such as "Lychee Loan" and "Lychee e-Loan," effectively increasing the accessibility and coverage of financial services for the lychee industry [5] - As of March 2025, the total loan balance for the entire lychee industry chain in Maoming reached approximately 3.286 billion yuan, reflecting a year-on-year growth of 16.3% [5] Digital Transformation - The establishment of the "Maoming Digital Chain Agricultural Industry Alliance" aims to provide comprehensive digital financial services across the entire lychee supply chain, facilitating the sale of lychees to over 12,000 farmers and 39 cooperatives [7] - A digital inclusive finance service area has been set up to enhance financial service quality for lychee-related tourism and e-commerce [7] Risk Management and Insurance - A comprehensive insurance system covering the entire lychee industry chain has been developed, including innovative insurance products for various risks associated with lychee production and transportation [8] - The insurance coverage for lychee plantations in Maoming exceeds 510,000 acres, with a total insured amount of 1.539 billion yuan [8] Economic Impact - The annual output value of the entire lychee industry chain in Maoming exceeds 12 billion yuan, with significant brand value growth and international market expansion [8]

Core Viewpoint - The financial institutions in Maoming, under the guidance of the People's Bank of China, are focusing on the "Five Trees and One Fish" initiative to create specialized branches that support local agricultural products, enhancing financial services for these industries [1][2][3] Group 1: Financial Initiatives and Support - Maoming's financial institutions have established specialized branches such as Lychee Branch, Huaju Hong Branch, and others to provide tailored financial services to local agricultural sectors [1][3] - The Huaju Hong Branch of Postal Savings Bank in Pingding Town is specifically designed to support the Huaju Hong industry, providing significant credit to local farmers [2][3] - As of February 2025, the loan balance for the "Five Trees and One Fish" initiative reached 10.889 billion yuan, with specific loans for Lychee at 3.144 billion yuan, Huaju Hong at 1.786 billion yuan, and Tilapia at 3.585 billion yuan [3] Group 2: Agricultural Industry Development - Maoming is recognized as the "Tilapia Capital of China," with an annual output value exceeding 10 billion yuan, and is a key player in the global tilapia market [4][5] - The local government is working on enhancing the tilapia industry's competitiveness by addressing issues such as the lack of leading enterprises and standardization in production [4][5] - A financial support framework has been established to assist the tilapia industry, including a collaboration between local governments and financial institutions to provide loans and insurance [5][6] Group 3: Innovative Financial Products - Financial institutions in Maoming have developed specialized loan products like "Lychee Loan," "Huaju Hong Loan," and others to meet the unique needs of local agricultural producers [13] - The introduction of government risk compensation mechanisms and agricultural insurance has helped reduce financing costs and barriers for farmers [13][14] - The establishment of the "Digital Chain Agricultural Industry Alliance" aims to integrate digital finance with agricultural services, facilitating loans and enhancing sales for local products [15] Group 4: Policy Framework and Collaboration - The People's Bank of China in Maoming has implemented a comprehensive policy framework to support local agricultural industries, including various financial support programs [9][10] - Collaborative efforts between local governments, financial institutions, and agricultural associations are focused on creating a multi-faceted financial support system for rural development [6][9] - The establishment of platforms for rural revitalization and loan support has led to significant funding being allocated to support local agricultural initiatives [9][10]