蜀信e

Search documents
构建乡村振兴金融服务新机制的探索与实践 以四川兴文农商银行为例
Jin Rong Shi Bao· 2025-09-11 04:13
Core Viewpoint - The article emphasizes the importance of rural revitalization in the context of national rejuvenation, highlighting the role of Sichuan Agricultural Commercial Bank in supporting agricultural development and rural revitalization through financial services [1][2]. Group 1: Financial Support for Agriculture - Sichuan Agricultural Commercial Bank focuses on enhancing the "Tianfu Granary" and supports the "10+3" industrial system, with a significant emphasis on grain production and rural revitalization [1]. - The bank has provided a total of 19.8 billion yuan in loans to the "three rural" sectors over the past five years, benefiting 64,000 clients [1]. - The bank's agricultural loans amount to 54 billion yuan, accounting for 60.87% of total loans, with a year-on-year growth of 15.40% [3]. Group 2: Talent and Human Resource Development - The bank has issued 82.86 million yuan in entrepreneurial guarantee loans to returning talents, addressing the challenges of rural revitalization [4]. - It has provided 10.25 million yuan in student loans to support impoverished college students, fostering local talent [4]. - The bank has conducted 35 community service activities, reaching 40,000 participants, to enhance financial literacy and support local communities [5]. Group 3: Cultural and Ecological Revitalization - The bank promotes credit culture by implementing a "whole village credit" initiative, rating 160 administrative villages and providing 2.371 billion yuan in credit [6]. - It has integrated digital financial services to enhance accessibility, collaborating with local products on e-commerce platforms [6]. - The bank has issued 255 million yuan in green credit to support ecological projects and sustainable agriculture [8]. Group 4: Organizational Strengthening - The bank has signed 12 agreements with local governments to establish a new rural financial service system, achieving a comprehensive credit of 6.7 billion yuan [9]. - It emphasizes the importance of party leadership in financial governance and has developed a performance evaluation system that integrates party building with business operations [9][10]. - The bank is focused on enhancing its rural financial service stations to improve financial management and service delivery [10]. Group 5: Mechanism and Risk Management - The bank is committed to top-level design for rural revitalization, ensuring unified goals and responsibilities across all levels [11]. - It has developed innovative financial products tailored to agricultural cycles, addressing the unique needs of rural financing [12]. - The bank prioritizes risk management by implementing strict compliance measures and enhancing its risk prevention capabilities [13].