建设银行黑龙江省分行以产业兴村为抓手，深挖"裕农通"业主的资源优势，推出"裕农通+特色农业"模 式，让金融服务精准滴灌特色产业。依托这一模式，牡丹江东宁市食用菌产业经营者累计获得授信5.05 亿元，贷款余额达到2.95亿元。目前，该模式已成功复制到大鹅养殖、甜菜种植、高端肉牛养殖等多个 产业，让金融"活水"精准对接产业需求。 编辑：穆皓 建设银行黑龙江省分行打破传统服务站点的单一功能局限，创新性地将"裕农通"打造为集需求收集站、 产品传播站、走村入户站、批量召集站、风险预警站于一体的五维平台。熟悉乡情的"裕农通"业主成为 关键纽带，他们既是金融政策的"翻译官"，将复杂术语转化为"农家话"；也是供需对接的"联络员"，精 准捕捉农户贷款、缴费、理财等需求；更是风险防控的"前哨兵"，通过邻里口碑与日常观察预警经营风 险。以此为核心，一个覆盖金融服务、农业生产、农村生活的全场景服务生态圈逐步形成，推动金融服 务从"单一触达"向"生态融合"升级。 建设银行齐齐哈尔分行创新研发的"农贷服务拼团小程序"，通过"客户经理+裕农通业主+老客户"传播 链，让1.5万农户通过拼团便捷获贷；打造一站式农贷服务大厅，推出"金融服务+实 ...

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 ...

这次活动的重点是帮村民解决社保缴纳和银行业务办理的难题。服务小组依托当地的裕农通服务点，由 服务点业主在帮村民缴社保时，主动邀请有需要的村民现场办卡，并同步完成新客户信息登记。这样一 来，村民不用跑到远处的银行网点，在村里就能办好业务。工作人员现场耐心讲解流程、回答疑问，快 速处理各项手续，让大家省时又省心。服务点负责人和村民们纷纷表示，这样的服务很贴心、很实用。 在为村民办理基础金融业务的同时，服务小组还主动和农户、小店老板等交流，了解他们在生产、经营 中的资金需求。对有贷款意向且符合条件的客户，工作人员现场收集资料、测算可贷额度，并仔细介 绍"裕农贷款"的申请条件、办理步骤以及利率优惠，为下一步正式办理打好基础。这样既摸清了村民的 真实需求，也让有需要的人提前知道怎么办、找谁办。 大象新闻记者 贺强 为了让更多农村群众享受到方便的金融服务，助力乡村振兴，近日，建行永城支行组织青年员工成立专 项服务小组，来到薛湖镇开展"裕农通"业务下乡服务。这是建行落实普惠金融、推进"万村增金"专项活 动的具体行动，把金融便利真真切切送到了田间地头。 此次活动不仅让村民在"家门口"享受到了高效便捷的金融服务，也进一步拉近了 ...

来源：今日建行 党的二十届四中全会审议通过的《建议》提出："加快建设金融强国""大力发展科技金融、绿色金融、 普惠金融、养老金融、数字金融"。日前，人民日报专版刊发《做好"五篇大文章" 推动金融高质量发展 （高质量发展故事汇·第13期）》，建行"建融智医"平台被选为"数字金融"案例。该平台帮助四川省人 民医院优化退费对账功能，大幅提升服务效率。 对账从7人到1人 单次问答检索从63秒到12秒 点击视频一起来看 "建融智医"背后 隐藏着怎样的智慧大脑？ 清晨，川西坝子还未完全苏醒，四川省人民医院已开始忙碌，财务部曾部长的指尖在键盘上飞舞。"建 行'建融智医'平台帮医院把对账退费那些功能全部打通了，还上线了自助问答库，代替了原来的纸质指 南，办事效率提高了一大截。" 在这里，每一秒钟都关乎健康。今年春天，"建融智医"平台在医院搭建。为了让使用系统的体验感更 好，工作人员通过走访调研，围绕用户管理异常账单处理等归纳出9类问答指引，形成30多项常见问答 库并上线至平台。单一问答检索时间从原先的平均63秒缩短到12秒以内。这些数字化运营举措让每一次 对账更智能、每一笔医药费的退付更顺畅，资金流转效率快一分，百姓的心安就 ...

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 ...

（来源：广州金融） 当前，城乡融合发展的蓝图正加速铺展，金融成为助推乡村振兴的重要力量。建设银行广州分行锚 定"百千万工程"战略部署，以政策为引领、以创新为引擎、以服务为纽带，聚焦涉农领域痛点难点，通 过源头对接、产品创新、渠道升级三维发力，推动涉农贷款持续增长。截至9月底，该分行涉农贷款余 额突破670亿元，为城乡区域协调发展注入强劲金融动能。 绘就乡村宜居新图景 乡村振兴的底色是生态宜居，而优质的公共空间则是村民幸福感的重要载体。 广州蜃景生态景观有限公司便是这场乡村"颜值革命"的践行者。企业成立于2021年，以花卉林业种植为 基础，深耕园林绿化工程施工领域，凭借专业的设计与施工能力，迅速成长为园林行业新锐力量。企业 创始人邓先生怀揣乡土情怀，带领团队扎根乡村振兴一线，致力于用绿色装扮乡村。 今年，企业成功中标3个村镇的公园绿化设施建设改造项目。然而，苗木采购、人工成本、机械租赁等 大额前期投入，让公司陷入流动资金周转困境，眼看村民期待的民生工程即将搁置。 关键时刻，建行广州越秀支行主动靠前服务。在了解具体情况后，该支行迅速启动绿色金融服务通道， 组建专业团队实地调研企业经营状况与项目规划，持续简化审批流 ...

在这里，每一秒钟都关乎健康。今年春天，"建融智医"平台在医院搭建。为了让使用系统的体验感更 好，工作人员通过走访调研，围绕用户管理异常账单处理等归纳出9类问答指引，形成30多项常见问答 库并上线至平台。单一问答检索时间从原先的平均63秒缩短到12秒以内。这些数字化运营举措让每一次 对账更智能、每一笔医药费的退付更顺畅，资金流转效率快一分，百姓的心安就多一分。自助问答库已 在5家医院上线，未来将覆盖更多医疗机构。自平台上线以来，医院财务工作效率大幅提高，原先需要7 个人做的工作，现在只需要1个人就能完成。 "建融智医"是建设银行践行"金融为民"初心的一个缩影。"裕农通"用金融活水润泽田间地头，"建融慧 学"托起莘莘学子的青春梦想，手机银行让金融服务触手可及，"建行生活"走进万家烟火……建设银行 用"看得见"的数智力量，传递着无数"看不见"的温情守护，让数字金融点亮通往美好生活之路。 "温情服务"的背后，始终依托于底层技术的坚实支撑。正是凭借分布式银行核心系统及算力基础设施， 加持自然语言处理、知识库动态构建、跨系统数据交互等自主创新技术，大幅提升每一次服务效率。数 字技术与金融结合，催生了服务千行百业的"智慧活 ...

Core Viewpoint - The article emphasizes that China Construction Bank (CCB) is focusing on high-quality development amidst a challenging industry environment, characterized by pressure on interest margins and a shift towards value-driven growth in the banking sector [3][17]. Financial Performance - For the first three quarters of 2025, CCB reported operating income of 573.7 billion yuan, a year-on-year increase of 0.82%, and net profit attributable to shareholders of 257.4 billion yuan, up 0.62% year-on-year [4][6]. - In Q3 2025, CCB achieved a net profit of 95.3 billion yuan, reflecting a significant year-on-year growth of 4.19%, indicating a positive trend in profitability [5][6]. Revenue Structure - Non-interest income reached 146.1 billion yuan, growing by 13.95% year-on-year, becoming a key driver of revenue growth [6]. - The net interest margin for the first three quarters was 1.36%, a decrease of 4 basis points from the previous half-year, primarily due to declining asset yields [6]. Asset Quality and Capital Strength - As of September 30, 2025, CCB's total assets amounted to 45.37 trillion yuan, an increase of 11.83% from the end of the previous year, with total loans and advances reaching 27.68 trillion yuan, up 7.1% [7][10]. - The non-performing loan (NPL) ratio stood at 1.32%, a slight decrease of 2 basis points, indicating stable asset quality [8][10]. - CCB's capital adequacy ratios remain strong, with a core Tier 1 capital ratio of 14.36% and a total capital ratio of 19.24%, positioning the bank favorably within the industry [10][18]. Strategic Initiatives - CCB is actively pursuing digital transformation and strategic breakthroughs in areas such as green finance and inclusive finance, with green loan balances increasing by 18.38% year-to-date [12][13]. - The bank has also made significant strides in supporting small and micro enterprises, with loans in this segment exceeding 3.8 trillion yuan [13][18]. Future Outlook - CCB plans to continue enhancing its "retail + inclusive + green" collaborative development strategy, leveraging digital transformation to optimize its asset-liability structure and improve risk pricing capabilities [19].

Core Insights - The article highlights the efforts of China Construction Bank's Changsha Xingxiang Branch in promoting rural revitalization through financial support and community engagement [1][2][3] Group 1: Financial Support and Economic Development - The bank provided a loan of 4 million yuan to support the establishment of "Time Farm," enhancing the local economy and creating job opportunities for villagers [1] - The farm's operation has led to an increase of over 500,000 yuan in collective income for the village within a year, boosting local agricultural sales and social influence [1] Group 2: Community Services and Financial Inclusion - The bank has set up a "Yunong Tong" service point in the village, facilitating easy access to social security and medical insurance payments, significantly improving the convenience for villagers [2] - Training programs have been implemented to help villagers master financial and non-financial services, enhancing their financial literacy [2] Group 3: Cultural and Educational Initiatives - The bank co-established the "Yunong School" in the village, conducting over 30 educational activities related to financial literacy and community values, which earned the village recognition as a "Demonstration Village for Rural Financial Education" [3] - The village has received multiple honors for its governance and cultural initiatives, becoming a model for beautiful rural development [3]

Core Insights - The Bank of China Fujian Branch is committed to enhancing financial support for the "New Fujian" initiative, aiming to provide over 40 trillion yuan in comprehensive financing during the 14th Five-Year Plan period, while reducing costs for market entities by over 33 billion yuan [1] Group 1: Financial Support and Innovation - The Fujian Branch has developed a "Five-Dimensional Integrated" technology finance service system to support innovation in enterprises, analyzing over 90% of national high-tech enterprises in the province [2] - The branch has provided over 220 billion yuan in loans to private enterprises, emphasizing the importance of the private economy in Fujian [2] Group 2: International Trade and Cross-Border Financing - The Fujian Branch has facilitated nearly 580 billion yuan in financing for foreign trade and foreign investment enterprises during the 14th Five-Year Plan period, leveraging its global advantages [3] - The branch has introduced specialized financial products for the forestry sector, serving over 1,000 forestry-related entities [3] Group 3: Support for Marine Economy and Agriculture - The Fujian Branch has launched ten initiatives to support the marine economy, providing over 50 billion yuan in loans related to marine economic activities in the past three years [4] - The branch has developed various financial products to support rural revitalization and agricultural sectors, including specialized loans for unique agricultural industries [4] Group 4: Cultural and Tourism Development - The Fujian Branch has deepened cooperation with the provincial cultural and tourism department, implementing comprehensive financial service plans to enhance cultural influence and support tourism projects [5] - The branch has introduced innovative financing products to support historical street operations and promote tourism consumption activities [5]