当前金融服务农村改革赋能乡村全面振兴面临的主要挑战 乡村振兴战略作为新时代"三农"工作的总抓手，是实现中华民族伟大复兴的重要基石。金融服务作为现 代经济的核心，在推动乡村全面振兴过程中扮演着不可或缺的角色。2025年7月，中国人民银行与农业 农村部联合发布了《关于加强金融服务农村改革 推进乡村全面振兴的意见》，这一文件再次为农村金 融系统改革和服务乡村振兴提供了明确的指引和方向，有助于破解农村金融供给不足的现实瓶颈，引导 更多金融资源流向农村，为乡村全面振兴提供坚实的金融支持。 乡村振兴战略下金融服务农村改革的新定位 （一）从"输血"到"造血"：金融服务理念的转变。党的十八大以来，在政策引导和市场推动下，我国农 村金融体系持续完善，基本形成了政策性金融、商业性金融、合作性金融协调发展的多层次格局，实现 了"乡乡有网点、村村通服务"。截至2024年末，全国涉农贷款余额为51.4万亿元，支小再贷款余额为 1.75万亿元，"三农"信贷支持力度不断加大。然而，农村金融往往被定位为"输血式"扶持，即单纯的资 金供给。随着乡村振兴战略的深入推进，这种传统模式已难以满足农业农村高质量发展的需求。当前， 金融服务农村改革应更 ...

Core Viewpoint - The article emphasizes the critical role of banks in providing financial support for agricultural disaster prevention and mitigation, especially in the context of increasing extreme weather events and agricultural risks in China [1][2][3]. Financial Support for Agriculture - Banks should increase credit investment in agricultural infrastructure construction to prevent disasters, supporting high-standard farmland construction and improving irrigation facilities [1][2]. - In the event of natural disasters, banks can streamline loan approval processes to ensure quick access to funds for affected farmers and agricultural enterprises [2][3]. - Banks are encouraged to offer flexible loan terms and interest relief for severely affected clients to alleviate financial pressure during recovery [2]. Innovative Financial Products - Banks should develop diverse financial products tailored to agricultural production characteristics and disaster risks, such as weather index insurance credit products [2][3]. - The introduction of "Agricultural Disaster Bonds" can help distribute agricultural disaster risks across financial markets, raising more funds for disaster prevention and mitigation [2][3]. - Seasonal financing products like "Agricultural Time Loans" and "Order Agriculture Loans" can address the short-term and frequent funding needs of farmers [3]. Contribution to Agricultural Resilience - By providing comprehensive financial support, banks can help enhance the resilience of agricultural production against natural disasters, ensuring national food security while achieving stable business development [3].