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构建乡村振兴金融服务新机制的探索与实践
Jin Rong Shi Bao· 2025-09-11 03:21
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 financial services [1] Group 1: Financial Support for Agriculture - Sichuan Agricultural Commercial Bank focuses on enhancing financial support for agriculture, with a cumulative loan of 19.8 billion yuan directed towards the "three rural" sectors over the past five years, benefiting 64,000 clients [1] - The bank's agricultural loans account for 60.87% of its total loans, with a year-on-year growth of 15.40% [3] - The bank has issued 2.73 billion yuan in loans for grain and livestock industries, with 1,461 loans amounting to 300 million yuan specifically for key agricultural seasons [3] Group 2: Talent and Human Resource Development - The bank has provided 82.86 million yuan in entrepreneurial guarantee loans to returning talents, addressing the challenges of rural revitalization [4] - It has issued 10.25 million yuan in student loans to support impoverished college students, contributing to the cultivation of rural talent [5] - Various community service activities have been conducted, reaching 40,000 participants, to enhance financial literacy and support local development [5] Group 3: Cultural and Ecological Revitalization - The bank promotes credit culture by implementing a "walking thousands, visiting tens of thousands" initiative, resulting in the rating and credit granting to 160 administrative villages [6] - It has issued 2.55 billion yuan in green credit to support ecological restoration and low-carbon agriculture [8] - The bank collaborates with local tourism initiatives to enhance the cultural and tourism sectors, supporting the development of rural tourism and related industries [7] 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 integration of party building with business development, ensuring that party leadership is reflected in financial services [11] - The bank has developed a multi-layered rural financial service system to enhance grassroots organizational capabilities [10] Group 5: Risk Management and Mechanism Construction - The bank focuses on risk prevention and control, enhancing compliance and risk management in rural financial services [13] - It aims to innovate financing products tailored to agricultural production cycles, addressing the unique needs of rural enterprises [12] - The bank is committed to improving its credit management and ensuring that agricultural loans are effectively utilized [11]