资金"活水"对产业发展十分重要。在福建，金融机构围绕特色农业产业，不断创新金融产品，为乡村振 兴注入金融"活水"。 在南平市浦城县颜处村，种粮大户江子彬种了800多亩水稻。随着种植规模不断扩大，现有设备已无法 满足耕种需求。前不久，当地的邮储银行经过严谨评估，成功为他授信45万元。"多亏了资金的支持， 让我没有后顾之忧。"江子彬说。 在龙岩市新罗区铁山镇，一片绿意盎然的山地格外引人注目，一串串饱满的葡萄挂满枝头，空气中弥漫 着清甜的果香。这里曾是荒山，村民张龙在这里开办了家庭农场，种植葡萄、草莓等。 "今年阳光玫瑰葡萄长势特别好，产量比去年增加30%。邮储银行提供25万元贷款支持，仅用几个工作 日，就拿到了贷款，让我能继续扩大种植规模。"他说。 受缺乏抵押物、信用数据缺失等制约，农民贷款存在难度。在福建，为破解借款农户、渔民缺少抵押物 的困境，金融机构联合政府立足特色农业产业，创新推出渔排托管贷、白茶贷、菌菇贷等几十个信贷品 种，努力盘活农村生产要素。 围绕农业产业链，福建持续将金融"活水"送到乡村振兴一线。数据显示，截至去年底，福建茶叶、蔬 菜、水果、畜禽、水产、林竹、花卉苗木、食用菌、乡村旅游、乡村物流等 ...

Core Insights - The report highlights the steady increase in rural residents' disposable income, which reached 11,936 yuan in the first half of 2025, reflecting a real growth of 6.2% after adjusting for price factors, surpassing urban income growth [1] - The transition period for consolidating poverty alleviation achievements and effectively connecting with rural revitalization is crucial, with financial institutions playing a significant role in supporting agricultural development [1] Financial Institutions' Role - Financial institutions are focusing on enhancing agricultural loan disbursement, with Guangxi Pingle Rural Cooperative Bank reporting a balance of 3.565 billion yuan in agricultural loans by June, and having issued 10,727 small credit loans totaling 451 million yuan, covering all towns and administrative villages in Pingle County [2] - The Agricultural Bank emphasizes the importance of maintaining a good growth momentum in county and agricultural loans, prioritizing financing for key areas such as food security and optimizing support policies on a county-by-county basis [12] Industry Development and Support - The report underscores the significance of industrial prosperity as a key aspect of rural revitalization, with financial products like "Business Quick Loan" and "Planting e-Loan" being introduced to support local enterprises and enhance production capacity [4][5] - The establishment of a rural credit system is highlighted as essential for modern rural economic development, with various financial institutions implementing credit value loans and creating credit databases to facilitate access to financing for farmers [6][8][9] Challenges and Future Directions - Key challenges identified include the impact of unpredictable natural risks on agricultural production, the lack of collateral for farmers and small rural enterprises, and insufficient professional talent to meet rural revitalization needs [11] - Financial institutions plan to enhance their agricultural financial service systems, improve service coverage, and leverage technology to streamline loan management processes [11][12]

Core Viewpoint - Postal Savings Bank of China (PSBC) Zhejiang Branch focuses on enhancing financial services for rural revitalization, prioritizing agricultural and rural development through innovative financial products and services [1][4]. Group 1: Financial Services and Innovations - PSBC Zhejiang Branch has seen a continuous increase in agricultural loans, with a total balance exceeding 230 billion yuan as of June, ranking among the top in the system [1]. - The bank has established 974 rural outlets, with over 70% located in rural areas, enhancing financial accessibility [1]. - The "Tea Aroma Quick Loan" product was introduced to support the tea industry, providing quick credit with a maximum limit of 3 million yuan [2]. - The bank has developed specialized loans for various agricultural sectors, including "Mushroom Loan" and "Mussel Loan," with a total balance of 13.6 billion yuan in specialized industry loans [3]. Group 2: Community Engagement and Support - PSBC has integrated party-building activities with rural revitalization efforts, conducting nearly 300 themed events to assist local farmers [4]. - The bank has provided significant credit support to agricultural innovation groups, with 530 million yuan granted to a local association and 1 billion yuan to a city-level association [4]. Group 3: Digital Transformation and Future Plans - The bank is advancing a rural big data platform to enhance credit evaluation and loan approval processes, with over 130 billion yuan in personal loans issued to farmers [6]. - A new closed settlement system for the tea industry has been implemented to improve transaction efficiency and security, expected to mobilize over 100 million yuan in funds [6]. - Future plans include focusing on coordinated urban-rural development, modern agricultural practices, and supporting new agricultural entrepreneurs [6].

垣曲农商银行金融服务团队在推进整村授信走访中得知了这一情况，工作人员第一时间深入该合作社调 研，实地查看菌棒生产车间、原料储备库，与负责人详细核算菌棒制作成本、设备采购清单，结合市场 行情与合作社经营规划，及时为合作社发放了100万元贷款。有了这笔资金，合作社及时采购了优质木 屑、菌种等原材料，还引进了自动化装袋机、灭菌设备，将菌棒日产量提升了30%。 "人工装袋不仅效率低，还容易出现灭菌不彻底的情况，现在有了新设备，菌棒质量更稳定。垣曲农商 银行的资金支持也让我们得以扩大菌棒培育规模，从原计划30万棒增加到50万棒，为后续木耳高产打下 坚实基础。"崔元良介绍说，"除资金扶持外，垣曲农商银行帮我们解决了生产和销售的后顾之忧。" ■本报记者王磊 近年来，山西垣曲农商银行深入贯彻落实乡村振兴战略，坚守服务"三农"、服务小微、服务县域经济发 展宗旨，充分发挥"乡村振兴主办行"责任担当，主动融入乡村振兴战略和县域经济发展大局，不断提升 服务"三农"和实体经济实力，描绘惠民兴农新画卷。 走进位于垣曲县英言镇关庙村垣曲圣威种植专业合作社厂房内，工人们正将木屑、麸皮等原料混合搅 拌，打包成一个个菌棒，整整齐齐码放在一起，用 ...

Core Viewpoint - The article highlights the proactive measures taken by financial institutions in Shaanxi Province to support disaster recovery and reconstruction efforts following severe flooding in July 2024, emphasizing the importance of financial assistance in restoring local economies and livelihoods [1][5]. Group 1: Financial Support Initiatives - The People's Bank of China (PBOC) in Shaanxi has guided local branches to implement measures for disaster recovery, including enhancing credit support and simplifying procedures to aid rescue and reconstruction efforts [1][5]. - The Baoji Rural Commercial Bank provided 10 million yuan in loans for facility repairs and green reconstruction in severely affected areas [2]. - The PBOC Baoji branch opened a green channel for flood control, allowing for expedited loan approvals and special credit allocations for disaster recovery at preferential rates [3][5]. Group 2: Specific Financial Products and Loans - The Fengxian Rural Commercial Bank revised its loan management guidelines to reduce financing costs for affected farmers, issuing 13.2 million yuan in loans to key disaster-hit villages [3]. - The PBOC Baoji branch encouraged banks to utilize central bank monetary policy tools to provide low-cost funding, with a total of 404 million yuan in re-loans issued since the disaster [5]. - The Xi'an Bank provided 3 million yuan in loans to a food processing company affected by the floods, enabling it to recover and thrive through online sales [6]. Group 3: Support for Agricultural and Local Industries - The PBOC Shanzhou branch coordinated with 18 banks to develop specialized loan products for key agricultural industries, providing 2 million yuan in loans to a disaster-hit mushroom enterprise [7]. - Financial institutions were instructed to meet funding needs for agricultural infrastructure repair and recovery, with agricultural loan balances reaching 56.884 billion yuan by the end of 2024 [8]. - The Postal Savings Bank provided 400,000 yuan in operating loans to a pig farmer who suffered significant losses due to flooding, demonstrating the critical role of financial support in recovery [7].