"十四五"以来，我国涉农金融供给持续增长，覆盖"三农"的领域越发广泛。国家金融监督管理总局披露的数 据显示，"十四五"时期，普惠型涉农贷款年均增速达14.6%。下一步，如何推动涉农信贷增量提质，更好服 务"三农"和乡村全面振兴？记者就有关问题采访了业内人士。 逐步完善信用体系 近年来，我国大力发展普惠金融，金融机构通过信贷支持、场景创新等方式助力"三农"发展，更多金融活水 流向乡村地区的薄弱环节。然而，长期以来，农村金融面临着缺乏信息支撑等问题，个别金融机构出现不愿 贷、不敢贷情况，严重制约着信贷投放。推动乡村全面振兴需要尽快拓宽并升级金融服务，引导金融资源精 准服务农村改革发展需要。 信用体系是提升涉农金融服务的基础，有助于推动金融供给与需求精准匹配。中国人民银行河池市分行副行 长韦庆锋表示，农村信用体系降低了信息不对称，辅以政府风险补偿和贴息政策，推动农村金融实现从被动 放贷向主动服务的转变，使无形信用转变为有形资产，为农村发展提供相对低成本可持续的信贷资金支持， 通过优化信贷结构推动农业从粗放型发展向高质量发展转变。目前，广西河池市的农村主体信用贷款余额比 2017年增长了近1.5倍，利率下降约250个 ...

Core Viewpoint - The Bank of China Hainan Branch is prioritizing financial services for rural revitalization, focusing on key areas and weaknesses to enhance financial services in rural agriculture and support farmers' development [1][6]. Group 1: Financial Services for Aquaculture - The East Star Grouper aquaculture industry in Hainan is experiencing significant growth due to favorable geographical conditions, with farmers like Mr. Huang expanding their operations despite facing financial challenges [2][3]. - The Bank of China Hainan Branch provided a tailored financial service plan for Mr. Huang, resulting in a loan of 500,000 yuan, which enabled him to improve his aquaculture practices and expand his business [3]. - Since 2025, the bank has issued loans to 42 East Star Grouper farmers, totaling 16.76 million yuan, facilitating their market expansion [3]. Group 2: Financial Support for Tropical Fruit Industry - Farmers like Mr. Chen are expanding their Hami melon cultivation due to high demand, but face liquidity issues for operational costs [4]. - The Bank of China Le Dong Branch responded by offering a favorable "Yunong Loan" with simplified approval processes, resulting in loans totaling 75.6 million yuan for 241 Hami melon farmers by June 2025 [4]. Group 3: Agricultural Financing Innovations - The Bank of China Hainan Branch is optimizing its "Yunong Quick Loan" information archiving model to better understand the financial needs of farmers and provide tailored loans [5]. - The bank is enhancing the diversity and accessibility of its financial products to support high-quality development in rural industries [6]. Group 4: Support for Agricultural Enterprises - The Bank of China Haikou Qiongshan Branch established a green channel for agricultural credit, providing a 60 million yuan loan to a pig farming company facing cash flow issues due to price fluctuations [7]. - The bank is prioritizing financial services for key agricultural enterprises and has signed cooperation agreements to support food security initiatives [7]. Group 5: Rural Payment Environment Improvement - The Bank of China Hainan Branch is improving payment acceptance tools in rural areas and promoting digital RMB payment scenarios to reduce operational costs for rural merchants [8]. - The bank is developing a new model for inclusive financial services through the "Yunong Tong APP + service points," addressing financial service challenges in rural areas [8].

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