在这场关乎民生福祉与区域发展的重大水利工程加速推进的关键时刻，建设银行临沂分行主动扛起国有 大行责任，以金融之力精准滴灌民生工程，为项目授信18亿元，目前已序时投放3.2亿元，有力保障了 水库主体工程建设和移民安置房建设同步推进。 精准施策 打造高效协同的"金融引擎" 双堠水库工程兼具绿色信贷、乡村振兴、幸福产业等多重属性，项目建成后，不仅能筑牢区域防洪、供 水、生态安全屏障，而且能撬动库区产业振兴、治理提升的提质增效。面对这一重大民生工程，建行临 沂分行迅速响应、靠前服务，第一时间将其纳入重点支持项目清单，构建起"总行—省行—市行—经办 行"四级联动机制，成立专项工作小组，由市分行牵头统筹，经办支行全程跟进。 转自：新华财经 "添一把蒙山柴，炉火正旺，舀一瓢沂河水，情深谊长"。一曲《沂蒙颂》传唱了半个多世纪，深情诠释 着"党群同心、军民情深、水乳交融、生死与共"的沂蒙精神。如今，在这片红色热土上，总投资116亿 元、总库容1.38亿立方米的蒙河双堠水库工程在沂南县双堠镇全面开工。作为山东省近年来实施的最大 单体水利项目，该工程不仅是落实国家淮河流域"十四五"水安全保障规划的关键落子，更承载着1.2万 名库区 ...

齐鲁晚报.齐鲁壹点通讯员闫家禹 金融下乡，情系民心。建行沂水莲旺支行以"裕农快贷"为笔，以"裕农通"为墨，在沂蒙大地上书写 着"金融为民"的初心答卷。从产业发展的资金支持到便民服务的点滴关怀，莲旺支行正用专业与温度， 让金融"活水"精准浸润乡村沃土，为沂水特色产业壮大、村民致富增收筑牢金融根基，彰显国有大行的 责任与担当。 便民服务更显温情。在乡村集市的便民服务台，工作人员手把手教老人用"裕农通"终端完成养老资格认 证、医保缴费，让村民"家门口办完事"；村委会的反诈课堂上，用沂水方言拆解虚假投资、养老诈骗案 例，发放定制宣传页，帮乡亲们守住"钱袋子"。对行动不便的老人，支行还建立特殊台账，每月上门办 理业务、讲解金融知识，用耐心服务消融"数字鸿沟"。 寒意料峭，暖意涌动。在中国建设银行沂水莲旺支行的服务车穿梭于沂蒙乡村的田埂巷道间，"裕农 通"的红色标识在暖阳下格外醒目，一场扎根乡土、精准滴灌的金融服务，正为沂水乡村振兴注入强劲 动能。 作为扎根县域的国有大行，建行莲旺支行早已打破柜台边界，让金融服务"沉"到田间地头。针对沂 水"沂蒙金鸽"养殖、黄桃种植等特色产业，支行组建"张富清金融服务队"，上门对接养殖大 ...

为积极响应服务"三农"、助力乡村振兴的政策号召，建行菏泽单县支行聚焦涉农主体金融需求，创新金 融服务模式，加大涉农贷款投放力度，为当地农业发展和农民增收提供有力的金融支持。 截至2025年12月，该支行累计发放涉农贷款4341万元，切实解决了农业经营主体融资难、融资贵的问 题。 齐鲁晚报.齐鲁壹点李可通讯员赵东月 在优化产品服务、提升服务质效方面，建行菏泽单县支行结合涉农主体实际情况，在农资供应、农产品 流通等场景中嵌入"齐鲁振兴贷抵押版""齐鲁振兴贷农担版""裕农快贷"等金融产品。同时，简化贷款办 理流程，为农资经营户解决资金短缺难题，保障周边农户春耕农资供应，为当地农户带来便捷、高效的 金融服务体验。 除了提供融资支持，该支行还积极组织金融宣讲小分队深入田间地头，围绕防范电信诈骗、识别非法集 资、安全使用电子支付工具等热点话题开展专题宣传活动。宣讲人员用通俗易懂的语言普及金融知识， 切实提升了农民群体的风险防范意识和金融素养，让金融服务更"接地气"。 下一步，该支行将继续聚焦农业全产业链发展需求，不断优化金融产品和服务模式，确保金融资源精准 投入到农业生产的各个环节。同时，持续挖掘客户需求，发挥普惠金融力 ...

Core Viewpoint - The article discusses the innovative "whole county credit granting" model implemented by Xintai City, which aims to activate the value of credit data to address financing difficulties and costs in traditional lending practices [2][5]. Group 1: Credit Data Activation - Xintai City focuses on activating the value of credit data to transform it from a "sleeping resource" into a "development momentum" [2]. - The city has identified key tasks for credit data application, including "precise profiling, marketing customer acquisition, and batch credit granting" to support scientific decision-making for whole county credit granting [2]. Group 2: Technological Integration - The city employs advanced technologies such as privacy-preserving computation, artificial intelligence, and machine learning to innovate the integration of the banking credit system with the public credit information platform [2]. - A credit big data innovation laboratory was established in collaboration with China Construction Bank, marking a significant achievement in utilizing privacy computing for credit assessment [3]. Group 3: Financial Impact - The "Yunong Quick Loan" product has facilitated significant financial interactions, with 1.4 billion yuan in loans granted to 169 trustworthy farmers through 15,500 interactions with the public credit information platform [3]. - The local credit system has evaluated 589 credit villages and provided credit to 116,000 households, with a total credit amount nearing 1 billion yuan [5]. Group 4: Future Development - Xintai City plans to further expand credit application scenarios and deepen market-oriented reforms of data elements, aiming to provide a replicable model for national social credit system construction and digital financial development [5].

转自：新华财经 此外，分行不断丰富涉农信贷增信方式。重点推进以涉农押品为抵质押的产品创新，先后推出"农村承 包土地经营权抵押贷款""农村集体经营性建设用地使用权抵押贷款""集体三资贷款"等特色贷款产品， 为盘活农村产权融资业务拓宽了渠道。今年7月，分行创新落地系统内首笔村组集体三资集建地贷款， 累计发放农村集体土地融资贷款超9亿元，发放林权抵押贷款、生猪活体抵押贷款等特色业务超1亿元。 新华财经：加强重点领域信贷资源投放力度是促进乡村产业提质升级、加力提速推进"百千万工程"的关 键抓手。在这方面，贵行如何通过重点领域、重大项目给予助力？ 朱斌晨：围绕"建设乡村的建设银行"目标，建行广东分行紧跟省委、省政府部署导向，在支持产业园转 移、发展新质生产力和乡村振兴对口帮扶等重点方面，持续发挥金融赋能作用。 今年是广东"百千万工程"实现"三年初见成效"之年，建行广东省分行行长朱斌晨说，该行深入贯彻落 实"百千万工程"的工作部署，积极履行社会责任，立足做"建设乡村的建设银行"，下一步，将持续发挥 自身优势，多措并举做好金融"五篇大文章"，不断加大对"百千万工程"的金融支持力度。 新华财经：在贵行赋能"百千万工程"、助力 ...

在我国农业现代化进程中，农民"贷款难、贷款贵"的问题长期存在，成为制约农业规模化、集约化发展 的瓶颈。农民若没有贷款，支付地租以及购买种子、化肥、农机具等会面临较大的资金压力，种植规模 很难扩大。银行虽然想提供帮助，但缺乏有效抵押物、资金流水等，难以把控风险。 传统的"保险+期货"模式虽然在一定程度上为农产品价格和农民收入托底，但难以全面覆盖从生产到销 售的全链条风险。面对这一困局，大商所"银期保"模式，使银行、保险公司、期货公司和龙头企业紧密 合作，为农民打造了一张从种植到销售的全周期"安全网"。在这张网里，银行变成了深入田间地头 的"合伙人"，与农民一起共担风险、共享收益。 "保单+订单"双重增信 建设银行乡村振兴金融部总经理吴敏表示，农业生产周期较长，抵抗风险的能力较弱，再加上农产品价 格具有较大的不确定性，必然会带来种植和经营风险。"保险+期货"模式通过保险与期货市场的联动， 帮助农户规避市场价格波动风险。不过，该模式更多聚焦于后端价格锁定。"银期保"模式的重要创新在 于，将银行从传统的资金供给方升级为农业全链条金融服务的重要一环。 据了解，新疆塔城"银期保"项目覆盖玉米种植面积3万亩，项目金额480 ...

身着瑶族传统服饰的舞者手持长鼓，伴随着原生态瑶乐舞动，舞步粗犷且刚劲有力……在刚刚落幕的第 十五届全国运动会闭幕式上，来自广东连南瑶族自治县的瑶族长鼓舞惊艳亮相，带领现场观众领略了百 里瑶山、千年瑶乡的文化之美。 而今，作为国家级非物质文化遗产，舞者手中的瑶族长鼓不再只是一张文化名片，更成为当地群众增收 致富的"金钥匙"。 据了解，近年来，在广东清远，随着"百县千镇万村高质量发展工程"深入实施，以瑶族长鼓、壮锦等为 代表的非遗，在政银的聚力扶持下，正通过"非遗经济"焕发新生。 如今，名瑶工艺坊年产值达到150多万元，为当地创造了20多个就业岗位，附近村民在家门口就能实现 就业，不少年轻人也来学手艺，让非遗技艺的传承有了新鲜血液。 回首来路，并非一帆风顺。唐买舍吊表示，资金是创业路上一大难题，场地租金、学徒增加……每一项 都需要投入大量资金，一筹莫展之际，是建行连南支行主动伸出了援手。 据建行连南支行工作人员介绍，该行在了解到唐买舍吊的困境后，深入调研评估瑶族长鼓的市场需求和 发展前景，专门开辟了"绿色通道"，首期快速发放了30万元"抵押快贷"，为其创业提供了有力的资金支 持。 据了解，"抵押快贷"是聚焦绿色制 ...

Core Insights - Construction Bank's Jining Yutai Branch provided 3.33 million yuan in "Yunong Quick Loan" to a mushroom planting cooperative, effectively addressing its development challenges [1] - The cooperative, through high-standard mushroom greenhouses and an innovative "leasing + technical support + repurchase distribution" model, aims to increase member income and expand production [1] - The financial support from the bank is described as a "timely rain," facilitating local entrepreneurship and promoting the growth of distinctive rural industrial clusters [1] Financial Support Impact - The loan enables the cooperative to expand production and supports farmers' independent entrepreneurship, contributing to a positive cycle in the local economy [1] - The "Yunong Quick Loan" serves as a powerful lever for industrial upgrading, increasing farmer income, and activating rural endogenous motivation [1] - The initiative injects continuous financial momentum into the rural revitalization strategy, aiming for prosperous industries and affluent farmers [1]

Core Viewpoint - Fujian Construction Bank is enhancing its support for green finance and rural revitalization through innovative financing solutions, focusing on unique agricultural industries and ecological resources in Fujian province [1][2][3][4][5][6][7] Group 1: Financial Support and Innovations - As of the end of October, Fujian Construction Bank's agricultural loan balance reached nearly 130 billion yuan, with over 110 unique agricultural industries benefiting from specialized financing services [1] - The bank has provided over 500 million yuan in "Rural Revitalization Loans" to support farmers like Zhang Wenyue, helping them reduce financing costs and invest in green agricultural technologies [2] - The bank has developed a comprehensive financing solution for forestry projects, offering 118 million yuan in loans for a 16-year period, facilitating the transformation of ecological resources into economic value [4][6] Group 2: Agricultural and Ecological Development - The bank's "Financial Spring Rain" initiative has supported over 80,000 farmers in Fujian, promoting the growth of various agricultural sectors, including mushrooms, aquaculture, and tea [3] - Fujian Construction Bank has engaged in carbon finance initiatives, such as the "Carbon Credit Loan" model, to enhance the financial attributes of forestry and promote sustainable practices [5][6] - The bank has established a rural property rights trading platform, facilitating transactions exceeding 5.8 billion yuan, covering 42 counties in Fujian and extending to neighboring provinces [5][6] Group 3: Tourism and Rural Revitalization - The bank has launched tailored "Rural Homestay Loans" to support the development of tourism in rural areas, enabling local businesses to upgrade their facilities and attract more visitors [6][7] - Fujian Construction Bank has invested over 30 billion yuan in loans related to the forestry industry, benefiting more than 1,000 stakeholders in the sector [6] - The bank's comprehensive financial services have contributed over 30 billion yuan in loans to support the integration of agriculture, culture, and tourism, enhancing the appeal of rural areas to tourists [7]

Core Viewpoint - The article highlights the role of financial institutions, particularly China Construction Bank (CCB), in supporting rural economic development and agricultural modernization through tailored financial products and services. Group 1: Financial Support for Agriculture - CCB's Qingdao branch is actively accelerating financial services to support rural economic development and agricultural revitalization [1] - Zhang Caiyun and her husband, known for their agricultural expertise, received a 150,000 yuan loan from CCB to address funding issues for their farming machinery [2][3] - The "Yunong Quick Loan" product offered by CCB features simple procedures, quick disbursement, and lower interest rates compared to traditional bank loans, meeting the needs of farmers [3] Group 2: New Agricultural Entrepreneurs - Li Mozhi, a graduate from China Agricultural University, returned to his hometown to start a new agricultural business, benefiting from CCB's financial support [4] - CCB provided a 500,000 yuan "Yunong Quick Loan" to Li, which helped him overcome initial funding challenges and prepare for the spring farming season [5] - Li's innovative approach to agriculture, including soil monitoring and precision fertilization, exemplifies the new agricultural business model supported by financial institutions [5] Group 3: Integration of Finance and Agriculture - The collaboration between financial services and agricultural practices is fostering a more prosperous agricultural landscape, as seen in the experiences of both Zhang and Li [6] - The article emphasizes the importance of financial "living water" in enhancing agricultural productivity and supporting rural revitalization efforts [6]