新华社杭州12月19日电（记者吴丛司）在历史悠久的香菇之乡浙江省丽水市庆元县，凭借地理优势 和栽种底蕴，当地形成了从菌棒生产、菌菇种植、加工到销售等较为完善的上下游产业链条，"一朵 菇"成为带动数万农户增收的支柱产业。 在产业链中游，很多食用菌种植大户在购买菌棒和扩建菇棚时会面临融资困扰。据悉，庆元全县种 植2万棒以上食用菌的种植户有2600余户，占比约60%，信贷需求主要集中于这部分种植户。 数据显示，2024年全县食用菌生产量达1.39亿袋，全产业链产值达58亿元。特色产业发展离不开金 融的支撑保障。针对当地特色产业，邮储银行庆元县支行积极打造全链条金融服务体系，推出"菌菇 贷"等产品。截至今年10月末，已累计为该产业提供2.8亿元信贷支持。 为提升金融服务覆盖面，邮储银行主动和庆元县食用菌协会对接，每年利用生产空档期对广大种植 户进行分层、专项大走访，在新一轮菌菇生产季开始前，将授信、贷款落实到位。同时，在"菌菇贷"基 础上叠加理财、支付结算、电商直播引流、邮政寄递等服务，让广大种植户和商户放开手脚搞好生产、 经营。 庆元县精创食用菌科技有限公司是一家从事菌棒生产的县级农业龙头企业，处在产业链的上游，因 ...

转自：新华财经 近年来，聚焦食用菌产业链各项融资难、贷款难问题，邮储银行庆元县支行积极打造全链条金融服务体系，助力特 色"产业链"演变成"共富链"。截至2025年10月末，已累计为该产业提供2.8亿元信贷支持。 早在南宋时期（约公元1131年），庆元县龙岩村的吴三公发明了"原木砍花法"和"惊蕈术"，开创了人工栽培香菇的先 河，使庆元成为全球香菇栽培技术的起源地。1989年，联合国教科文组织国际热带菇类学会主席张树庭教授考察后 题词"香菇之源"；1995年，庆元被国务院发展研究中心授予"世界人工栽培香菇历史最早"认证。 凭借地理优势和栽种底蕴，庆元的食用菌产业蓬勃发展，形成了从菌棒生产、菌菇种植、加工到销售较为完善的上 下游产业链条，带动数万农户增收，2024年全产业链产值达58亿元。庆元县食用菌产业链早在2021年便作为浙江省 首批示范性农业全产业链之一，成功入选全国农业全产业链典型县。 在产业链中游，很多食用菌种植大户在购买菌棒和扩建菇棚时都会面临融资困扰。据悉，庆元全县种植2万棒以上食 用菌的种植户约2600余户，占比约60%，信贷需求主要集中于这部分种植户。为提升金融服务覆盖面，邮储银行庆 元县支行主动 ...

Core Insights - Financial institutions in Fujian are innovating financial products to inject capital into rural revitalization, particularly focusing on specialty agricultural industries [1][2] Group 1: Financial Support for Agriculture - In Nanping City, a farmer received a loan of 450,000 yuan to expand his rice farming operations, highlighting the importance of financial support for agricultural growth [1] - In Longyan City, a farmer reported a 30% increase in grape yield compared to the previous year, facilitated by a 250,000 yuan loan from a local bank [1] Group 2: Innovative Financial Products - Financial institutions in Fujian have developed various loan products such as fishery management loans and specialty tea loans to address the challenges faced by farmers and fishermen due to lack of collateral [1] - In Changle District, local financial departments provide one-stop financial services, allowing aquaculture farmers to use their farming certificates as collateral for loans [2] Group 3: Comprehensive Financial Services - The establishment of a "sea community" service flagship store in Ningde City allows fishermen to complete loan applications and contracts directly at their work sites, improving efficiency [2] - As of the end of last year, the total output value of ten key rural specialty industries in Fujian exceeded 2.3 trillion yuan, demonstrating the significant economic impact of these initiatives [2]

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].

Core Insights - Shanxi Yangqu Rural Commercial Bank is actively implementing the rural revitalization strategy, focusing on serving agriculture, small enterprises, and county economic development [1][2] - The bank has established a comprehensive service system that integrates financial services with rural governance and credit systems, enhancing support for local agricultural industries [3][4] Group 1: Financial Support and Services - The bank provided a loan of 1 million yuan to a local cooperative, enabling them to upgrade equipment and increase production capacity by 30% [1][2] - The bank's financial services team conducts regular follow-ups on production progress and offers financial management guidance to clients [2][3] - The bank has launched four specialized loan products to support rural collective economies and facilitate agricultural transformation [3] Group 2: Community Engagement and Development - The bank has initiated the "credit village" program, conducting credit rating and granting ceremonies in 71 administrative villages, benefiting 8,257 households [2][4] - The bank has established 19 integrated service points for financial and social services, ensuring basic financial services are accessible within villages [3] - The bank actively collaborates with local financing guarantee companies to promote specialized loan products, having issued 1.04 billion yuan in "Agricultural Guarantee Loans" [4]

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].