同时，引导金融机构围绕粮食安全、优势特色产业等乡村振兴重点领域，创新推出"裕农快贷""兴农 贷"等特色产品。深化"双基联动"合作模式，建成信贷工作室240个，服务覆盖278个行政村，去年累计 发放"双基联动"贷款34.17亿元，打通金融服务乡村"最后一公里"。此外，全面推进农村信用体系建 设，深入开展"整村授信"工作，仅柴达木农商行就在德令哈市评定信用户8351户，授信总额达10.46亿 元，以信用赋能农牧民便捷融资，助力营造诚信经营的乡村金融环境。 此外，因地制宜创新特色农产品保险，如将柴达木双峰骆驼保险费用金额由400元/峰降至12.5元/峰或25 元/峰，大幅降低养殖户投保成本，为5372峰骆驼提供风险保障5188万元，理赔53万元。升级"乡村振兴 保"等综合保障计划，放宽投保年龄、提高保额，人民人寿格尔木中支承保农村人口34人，提供风险保 障1731.45万元。大力推广手机App等线上服务，加强对老年人等特殊群体的人工和上门服务，有效提升 金融服务便利性和获得感。 本报海西讯 （记者 李庆玲） 2月23日，记者从国家金融监督管理总局海西监管分局（以下简称海西监 管分局）获悉，当地以强化监管引领为抓手， ...

Group 1 - The article highlights the active consumer market during the Spring Festival, with China Construction Bank's Shanxi branch focusing on customized financial services to support the festive consumption economy, providing loans to 22,700 individual business entities totaling 2.923 billion yuan this year [1] - The bank's proactive approach includes visiting local markets and merchants to understand their financial needs, exemplified by a case where a merchant received a 400,000 yuan loan to stock up on Spring Festival goods [3][5] - Another case illustrates a clothing store owner who secured a 100,000 yuan loan in just two days, enabling her to place orders for winter clothing in time for the holiday shopping surge [6][8] Group 2 - The article emphasizes the bank's support for agricultural development, with a focus on local agricultural cooperatives, providing tailored financial products like the "cooperative quick loan" to meet seasonal funding needs [10] - The bank's efforts include conducting on-site research to understand the specific financial requirements of farmers, resulting in a total loan issuance of 20.38 million yuan to 175 farmers this year [12] - The timely financial support has allowed farmers to invest in better seeds and equipment, enhancing their production capabilities and increasing expectations for a fruitful harvest [12]

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 ...

Group 1 - The core idea of the articles emphasizes the commitment of China Construction Bank's Lianwang Branch to provide tailored financial services to rural areas, enhancing local economic development and supporting agricultural industries [1][2] - The branch has established a "Zhang Fuqing Financial Service Team" to directly engage with local farmers and cooperatives, facilitating access to financial products like "Yunong Quick Loan" which allows for quick approval and disbursement of funds without collateral [1] - As of now, the branch has issued over 30 million yuan in agricultural loans to more than 120 agricultural entities, addressing the financing challenges faced by farmers through customized loan products [1] Group 2 - The bank's initiatives include hands-on assistance at community service stations, where staff educate elderly residents on using financial services and conducting transactions, thereby promoting financial inclusion [1] - The branch also conducts anti-fraud education sessions in local dialects to help residents recognize and avoid scams, reinforcing community trust and financial security [1] - The overall approach of the Lianwang Branch reflects the responsibility and commitment of state-owned banks to support rural revitalization and enhance the livelihoods of local residents [2]

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 ...

Core Viewpoint - The "Yinqi Bao" model developed by the Dalian Commodity Exchange addresses the long-standing issue of farmers facing difficulties in obtaining loans, which has hindered the modernization and scale of agriculture in China. This model creates a comprehensive safety net for farmers by integrating banks, insurance companies, futures companies, and leading enterprises, allowing for shared risks and benefits in the agricultural value chain [1][7]. Group 1: Loan Accessibility and Risk Management - Farmers have historically struggled with low loan limits, strict approval processes, and high interest rates due to a lack of effective collateral and unstable production [3]. - The "Yinqi Bao" model enhances farmers' creditworthiness by using income insurance policies and orders from leading enterprises as collateral, allowing banks to increase credit limits from around 500,000 yuan to 3 million yuan [3][4]. - The model shifts banks from being mere fund providers to integral partners in the agricultural value chain, thus improving risk management and financial support for farmers [2][7]. Group 2: Project Implementation and Financial Innovation - The "Yinqi Bao" project in Xinjiang's Tacheng covers 30,000 acres of corn cultivation with a project amount of 48 million yuan, increasing the insurance coverage to 1,600 yuan per acre [4]. - The project utilizes financial technology to ensure efficient fund flow, with a platform established for timely payments to farmers, thereby reducing operational costs and risks associated with traditional payment methods [5][6]. - The integration of data from various sources, including insurance and land transfer information, allows for a comprehensive assessment of farmers' credit profiles, facilitating better loan terms and conditions [4][6]. Group 3: Systematic Support for Agricultural Development - The "Yinqi Bao" model represents a shift from isolated financial support to a systematic approach that combines various financial instruments to support rural revitalization [7]. - By embedding a dual guarantee mechanism of "insurance + orders," the model fosters a cycle of risk-sharing, credit-building, and benefit-sharing among all stakeholders involved [6][7]. - The success of the Tacheng project illustrates the potential for replicating this financial model across different regions and agricultural sectors in China, promoting increased farmer income and industry efficiency [7].

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]