场设立"乡村振兴主题馆"。中国农业银行供图 展馆内，"高标准农田建设贷""惠农e贷""人居环境贷"等产品直观呈现了金融服务是如何赋能农业产业 与农民生活的。现场还特别设置互动环节，杭州竹笛行业协会副会长黄文杰带来竹笛演奏。黄文杰来 自"竹笛之乡"杭州市余杭区中泰街道紫荆村，据他介绍，近年来在农行创新推出的"竹笛贷"支持下，竹 笛作坊解决了资金周转难题，能够扩大原料收购、拓展线上销售渠道，"贷款申请只需几步，资金很快 到账，真正解决了资金周转的'卡壳'问题。"这一举措也成为了金融服务与传统文化产业结合的生动实 践。 启动仪式上，农业银行发布了两项金融惠农措施，涵盖信贷、支付、分期和理财等多个方面。面向产业 链不同客群，农行推出了订单贷、商户贷等12项"惠农e贷"产品，服务上下游农户和涉农商户；在支付 环节，升级惠农通服务点功能，让农户在家门口就能办理"查、取、转、缴、汇"等业务；在农资和农机 采购方面，提供分期与优惠利率，帮助农民降低生产成本。此外，该行还推出22款乡村振兴系列理财产 品，支持农户在增收的同时实现财富管理。 一场丰收节活动，不仅展现了丰硕的农产品成果，也让乡村消费潜力得到释放。该负责人表示，未来 ...

在中小微企业的发展历程中，"融资难、融资贵"始终是制约其扩大规模、提升竞争力的关键瓶颈。尤其是轻资产、高成长的科技型、创新型企业，常常因缺 乏抵押物、信用积累不足等原因，陷入"有订单、缺资金"的困境。北京四海非凡咨询有限公司依托深厚的行业背景与资源整合能力，针对企业不同发展阶段 推出多维度债权融资产品，为企业"输血赋能"，破解资金链紧张难题。 一、全周期债权融资产品体系，精准匹配企业需求 四海非凡基于企业生命周期特点及实际经营情况，整合银行、信托、保理、融资租赁、ABS、供应链金融等多类金融机构资源，为企业提供"一对一"定制化 融资方案。其主要产品包括： 1. 信用贷款类 人才贷：企业成立3年内，适用于初创企业，企业法人、实控人、联合创始人或股东，具有个人获奖荣誉、各区人才称号、名校光环等个人荣誉，经营主业 具有前瞻性。 流水贷/发票贷：企业成立满1年，开具增值税发票/企业个人流水多，纳税等级A/B/M 租金贷：适用于租驻于园区的企业，要求注册地址和经营地址均在园区内 订单贷：根据销售合同付款节点申请贷款，额度为订单总额的30%-50%，或是开票金额的50%-80%。部分企业需要确权。 科创企业贷：企业有高新 ...

良好的县域金融生态是助力县域经济高质量发展，服务乡村全面振兴，推动城乡统筹建设的重要基础。 《金融时报》记者在雅安采访时看到，中国人民银行雅安市分行在省分行及雅安市委、市政府的指导 下，以系统思维构建"各安其位、协同高效、精准赋能"的金融生态为抓手，找准金融服务县域经济的关 键点，推动雅安金融行业走向"高质量共生"，坚持金融的政治性、人民性，致力于以金融合力，高效推 动雅安的经济社会发展。 围绕上述工作原则与思路，记者专访了中国人民银行雅安市分行副行长梁婷。 《金融时报》记者：当前，金融机构的产品与服务同质化问题突出，在息差进一步收窄的情况下，各家 机构如何从竞争走向"竞合"？ 梁婷：从我们工作职责角度来看，需要优化金融供给布局，筑牢金融服务分层互补的"生态基底"。 梁婷：无论是在地市，还是在县域，金融管理部门要做好三个方面的工作：强化部门之间的联动、提升 政策传导效能以及优化考核机制。 强化部门之间的联动，构建协同高效的"工作网络"。建立常态化跨部门协同机制：一方面，人民银行地 市分支机构、金融监管部门、地方政府部门等主体定期会商，互通政策，共享信息；另一方面，搭建跨 部门服务平台，将市场监管、税务、社保等 ...

Core Viewpoint - The article emphasizes the role of digital finance in supporting the new industrialization process in China, highlighting its potential to address financing challenges faced by manufacturing enterprises through technological integration and policy support [1]. Group 1: Technological Empowerment Pathways - A "three-stage relay" financial support scheme is proposed to address key technology challenges, including "R&D loans + intellectual property securitization" during the R&D phase, and the establishment of a national digital platform for technology transfer during the commercialization phase [2]. - The use of blockchain technology is suggested to record equipment operation data, dynamically adjust insurance premiums, and provide comprehensive services for companies aiming for IPOs [2]. Group 2: Industrial Chain Empowerment Pathways - A multi-credit financial model is recommended, focusing on data credit, physical credit, and transaction credit to enhance the resilience of industrial chains [3]. - The establishment of a distributed ledger system for accounts payable is proposed to ensure traceability and reduce financing friction through electronic invoices [3]. Group 3: Regional Empowerment Pathways - A gradient financial adaptation strategy is suggested to address regional industrial development imbalances, including innovative financial support for capacity transfer and customized syndicate services for advanced manufacturing clusters [4]. - The creation of a cross-border industrial financial digital platform is recommended to facilitate cross-border trade financing and reduce currency exchange losses for export-oriented enterprises [4].

Core Viewpoint - The article highlights the significant role of Agricultural Bank of China (ABC) in supporting the development of Sai Feiya Technology Development Co., Ltd., a modern meat duck industry chain enterprise, through various financial services and products, enhancing both the company's operations and the overall agricultural supply chain in Inner Mongolia [1][2][3][4]. Group 1: Company Overview - Sai Feiya Technology Development Co., Ltd. specializes in the breeding, processing, and deep processing of high-quality meat ducks, operating a comprehensive industry chain [1]. - The company has received a total of 220 million yuan in working capital loans from ABC to support its core breeding group maintenance, modernization of incubation facilities, and large-scale production of quality ducklings [1][3]. Group 2: Financial Support and Services - ABC has established an efficient supply chain financial service system, offering products like "Order Loan" and "Huinong e-loan," allowing cooperative farmers to quickly apply for loans based on signed contracts with the company [2]. - In the first seven months of this year, ABC provided over 30 million yuan in inclusive loans to cooperative farmers associated with Sai Feiya [2]. - ABC has also extended its services to small and micro enterprises that provide packaging, logistics, and equipment maintenance for the company, offering flexible financing options through products like "Mortgage e-loan" and "Account e-loan" [2]. Group 3: Industry Development and Technological Integration - ABC has supported Sai Feiya in extending its industrial chain and enhancing product competitiveness by providing over 80 million yuan in loans for technological upgrades, including the introduction of advanced slaughter lines and automated packaging equipment [3]. - The bank has integrated financial technology with industry scenarios, promoting the use of its "Smart Rural" comprehensive service platform, which offers various functions such as loan applications, payment processing, and technical guidance for farmers [3]. Group 4: Agricultural Loan Performance - As of the end of July this year, ABC's agricultural loan balance reached 29.71 billion yuan, with an annual increase of 3.76 billion yuan, reflecting a growth rate of 14.5% [4]. - The bank has provided credit support to 44 leading agricultural enterprises, with a loan increase of 410 million yuan for these enterprises [4]. - ABC has also issued over 12 billion yuan in loans to farmers this year, enhancing its service radius and efficiency in supporting local agricultural products [4].

针对制造业小微企业普遍面临的"融资难、融资贵、融资慢"问题，昆山农商银行精准发力，打造特色化 产品矩阵。针对科技型企业，昆山农商行发放"专精特新"、"投贷通"、"昆才融"、"昆科贷"等特色科创 产品。针对小微企业，该行创新推出"信抵贷"产品，通过企业线上授权，即可获得授信额度，并通过抵 押+信用的模式，随借随还，帮助小微企业提升核心竞争力，目前已累积发放1.7亿元，惠及161户小微 企业。为了破解小微企业抵押物不足，资金回款慢的困境，积极推广"订单贷"，让企业的 "软实力"转 化为融资"硬通货"。该行大力推行落实减费让利政策，并设置专项利率优惠，进一步降低小微企业融资 成本。 服务提质增效，促实体经济"枝繁叶茂" "现在用昆山农商行的手机银行就能申请贷款、还款，省得来回跑耽误工夫。在手机上操作完，没过多 久钱就到账了，真是解了燃眉之急。" 某数控机床的张厂长对客户经理说道。昆山农商银行不断对线上 渠道加速度，大力推广手机银行、网上银行及专属线上申贷平台，实现贷款申请、签约、放款等核心流 程线上化、移动化办理，最快可实现24小时内资金到账，让数据多跑路、企业少跑腿。该行不仅提供资 金支持，更致力于成为企业的综合 ...

做好科技金融大文章是加快建设金融强国、培育高质量发展新动能的题中应有之义。地方金融管理 部门与地方金融机构如何将相关工作做实做细，将这篇大文章中的每一笔落到实处？ 为解决科技创新类中小企业缺少有效抵质押物的难题，人民银行株洲市分行推动建立了科创企业融 资担保机制，加大银政担合作力度。在机制指引下，湖南银行与株洲高科园创企业管理服务有限公司、 株洲市融资担保有限公司合作，审批通过42家企业知识价值信用贷款，总备案金额1.7亿元。 "科技金融是一项系统工程，我们要以创新精神破解其发展难题。为此，我们引导银行机构主动研 究市场，精准匹配科创企业融资需求，为其发展打造优质、高效的金融服务环境。"人民银行株洲市分 行相关负责人告诉《金融时报》记者，该行通过"建机制、促对接、优服务"，切实做好科技金融大文 章，引导银行机构持续加大科技信贷投放力度，推动科创与金融"双向奔赴"。 做"精"资金支持 "没想到'专利'也能成为我们融资的加分项。"湖南力合厚浦科技有限公司总经理兴奋地说。该公司 主要从事新能源锂电池正极材料前驱体的研发、生产和销售，是湖南省级专精特新"小巨人"企业。随着 业务规模不断扩大及技改项目持续推进，公司急需 ...

Core Insights - The Agricultural Bank of China (ABC) has been actively supporting rural revitalization in Inner Mongolia, particularly in the Chen Barag Banner region, through tailored financial services and innovative loan products [1][2][3] - The bank's efforts have significantly boosted local farmers' incomes, exemplified by a farmer who increased his annual income from 200,000 yuan to approximately 2.5 million yuan over ten years due to the bank's support [1] - ABC's total agricultural loan balance in the city reached 2.783 billion yuan, with an increase of 1.195 billion yuan since the beginning of the year, demonstrating a strong commitment to rural economic development [2][3] Group 1 - The Agricultural Bank of China has provided continuous credit support to local farmers, enabling them to expand their operations and improve living standards [1] - The bank has introduced various financial products tailored to the diverse needs of farmers and rural enterprises, including "Huinong e-loan," "Rural Tourism Loan," and "Order Loan" [2] - The bank has established 217 "Huinong Tong" service points and implemented a "现场+远程" (on-site + remote) service model to enhance financial accessibility for rural residents [2][3] Group 2 - The bank has trained 686 financial deputy directors across ten banners to expand service coverage and assist farmers in accessing credit [3] - Over the past three years, ABC has disbursed loans totaling 18.155 billion yuan to 96,900 farming households, with an average annual increase exceeding 1 billion yuan [3] - The bank is focused on supporting key agricultural production areas and has implemented differentiated financial policies to ensure stable supply and production in the agricultural sector [3]

Group 1 - Agricultural Bank of China Liuzhou Branch focuses on serving "three rural issues" and has provided a total of 2.19 billion yuan in agricultural loans since 2025, including 114 million yuan in "Fumin Loans" [1] - The bank has issued 435 million yuan in loans to the sugar and forestry industries this year, with rural industry loans increasing by 370 million yuan since the beginning of the year [1] - Innovative financial products such as "Jinjiao Loan" and "Luosifen e-loan" have been introduced to support local specialty industries [1] Group 2 - Liuzhou's forestry land area is 1.27 million hectares, with a forest coverage rate of 67.22%, supporting industries like timber planting and furniture production [2] - The bank promotes "forest rights mortgage loans" and has issued 75 million yuan in loans to state-owned forest farms, addressing land rights and mortgage registration issues [2] - The bank supports the development of the under-forest economy through products like "Huinong e-loan" and rural production operation loans [2] Group 3 - The bank prioritizes financial support for grain production, offering tailored financial services based on the needs of different agricultural operators [3] - Since 2025, the bank has provided over 26.6 million yuan in loans to the grain production sector, covering processing and sales [3] - The bank facilitates connections between grain producers and processing enterprises to streamline the supply chain [3] Group 4 - The bank actively supports local green economic development and renewable energy projects, providing fixed asset loans at preferential rates [4] - A total of 330 million yuan has been loaned for the construction of wind power projects, improving local infrastructure [4] - The construction of the wind power project has resulted in the assembly of 33 wind turbines and the development of over 30 kilometers of roads benefiting local farmers [4] Group 5 - The bank has established 72 rural service points, covering 95.18% of towns, to provide essential financial services [5] - Financial technology applications are being promoted to enhance service efficiency and accessibility [5] - The bank has issued 53.62 million yuan in loans since 2025 to support 130 business entities through various innovative financial products [6]

Core Viewpoint - Supporting the financing development of private and small-medium enterprises (SMEs) is essential for promoting inclusive finance and achieving common prosperity [1][4]. Group 1: Challenges in Financing - Private and SMEs are crucial for job creation, technological innovation, and local economic vitality, yet they face common obstacles such as "difficult and expensive financing" [1]. - Traditional credit systems often exclude private and SMEs due to their lack of collateral, necessitating a shift in banking practices [2]. Group 2: Proposed Solutions - Banks should innovate beyond traditional collateral-based lending by utilizing movable asset financing and supply chain finance to include "soft assets" like accounts receivable and intellectual property as viable collateral [2]. - A comprehensive approach to reducing financing costs is necessary, which includes eliminating unreasonable loan fees, leveraging government guarantees, and providing combined financing and service solutions to enhance operational efficiency [3]. Group 3: Long-term Development - Cultivating the self-sustaining capabilities of enterprises is vital for common prosperity, which involves directing credit resources towards green technology upgrades and digital transformation [3]. - Financial support should be tailored to local industries, with products like "order loans" for agricultural processing and "microcredit" for rural workshops, ensuring that finance effectively serves the real economy [2]. Group 4: Societal Impact - Supporting private and SMEs is not only a social responsibility for banks but also a sustainable business choice, as it fosters a cycle of enterprise growth, job creation, and income enhancement, thereby solidifying the foundation for common prosperity [4].