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解码安徽农信“十四五”金融服务答卷——1.5万亿信贷供给扛起农信担当
Xin Lang Cai Jing· 2026-01-20 13:40
Core Viewpoint - Anhui Agricultural Credit has significantly contributed to the local economy by providing financial services tailored to the needs of rural areas, small and micro enterprises, and agricultural development, achieving impressive growth in deposits and loans during the "14th Five-Year Plan" period [1][2][24]. Group 1: Financial Performance - As of the end of 2025, the total deposit balance of the agricultural credit system in Anhui reached 20,847.18 billion yuan, an increase of 69.29% compared to the end of 2020 [1][24]. - The total loan balance was 15,964.18 billion yuan, reflecting a growth of 74.83% since the end of 2020, maintaining the leading position in the province's banking sector [1][24]. Group 2: Support for Agriculture and Rural Development - Anhui Agricultural Credit focuses on serving small farmers and promoting rural revitalization, embedding its development into the broader context of urban-rural integration [5][28]. - The "whole village credit" initiative has been implemented, signing contracts with 14,062 administrative villages and providing credit of 6,275.65 billion yuan to farmers by the end of November 2025 [7][30]. Group 3: Support for Small and Micro Enterprises - The agricultural credit system has established a financing coordination mechanism for small and micro enterprises, conducting extensive outreach to understand their financing needs [10][31]. - By the end of November 2025, the number of small micro loan accounts reached 1.1136 million, accounting for over 40% of the province's total, with a loan balance of 10,468.62 billion yuan, representing 26.22% of the total [11][32]. Group 4: Technological and Innovative Support - Anhui Agricultural Credit has increased its focus on supporting technological innovation, with loans to technology enterprises reaching 1,282.91 billion yuan, a growth of 33.39% since the beginning of the year [33]. - The "joint growth plan" has been promoted to explore cooperative models that share risks and benefits between banks and enterprises [33]. Group 5: Industry Chain Financial Services - The agricultural credit system has deepened its "circle-chain-group" service model, extending financial services from core enterprises to upstream and downstream partners [35]. - By the end of November 2025, the loan balance for agricultural industry support reached 4,885.02 billion yuan, accounting for approximately 25% of the province's total [36][38]. Group 6: Comprehensive Financial Services Network - A comprehensive service network has been established, with 6,328 "Golden Agricultural Credit e-home" financial service rooms created to provide accessible financial services in rural areas [21][42]. - The number of mobile banking users has surpassed 21 million, with online products reaching a balance of 3,684 billion yuan, growing at an average annual rate of over 30% [22][42].