来到中原大地，通过几天走访，我们发现，这里的不少农户会按需、按时获取必要的金融支持，去种 地、去发展产业。而使得金融与"三农"互动发生变化的则是众多金融人数十年如一日的陪伴和守护。 从政策层面看，金融支持"中原粮仓"不仅是一种责任，更是担当。长期以来，中国人民银行河南省分行 积极主动谋划，强化协调调度，用足用好多种货币政策工具，不断健全农村金融服务体系、提升金融资 源配置效能，创新推动金融支农强农惠农政策举措在河南落实落地。例如，为破解"三农"主体缺抵押担 保难题，该行持续开展"三信"评定工作，推广整村授信模式，加强涉农信用信息归集共享。截至今年9 月末，累计评定信用乡镇731个、信用村2万个、信用户1134.1万户，为62.8万户新型农业经营主体建立 信用档案并基本实现全覆盖，助力其获贷762.9亿元。在保障粮食安全方面，围绕"藏粮于地、藏粮于 技"，推动创新"金燕农谷快贷""育粮易贷"等信贷产品，引导金融资源重点投向粮食收储、高标准农田 建设等领域，全力支持种业振兴。截至今年9月末，中原农谷种业基地贷款余额360.58亿元，同比增长 32.7%。在基础金融服务方面，该行持续优化助农取款服务点布局，在春耕、 ...

Core Viewpoint - The People's Bank of China, Henan Branch, reported on the financial operations and monetary policy implementation in Henan Province for the first three quarters of 2025, highlighting the stability and growth of financial metrics, credit structure optimization, and support for various sectors including agriculture, manufacturing, and consumption [4][5][6][9]. Financial Operations and Monetary Policy Implementation - The financial operation in Henan Province has shown overall stability, with a total deposit balance of 11.7 trillion yuan and a loan balance of 9.3 trillion yuan as of September [5]. - New loans in the first three quarters amounted to 408.16 billion yuan, with a social financing scale increase of 726.95 billion yuan [5]. Credit Structure Optimization - Agricultural loans increased to 2.6 trillion yuan, with a rise of 77.13 billion yuan since the beginning of the year, supporting food security and high-standard farmland construction [6]. - Manufacturing loans reached 664.88 billion yuan, up by 79.46 billion yuan, while loans for strategic emerging industries like new energy vehicles grew by 74.6 billion yuan [6]. - Infrastructure loans also saw an increase, totaling 1.7 trillion yuan, with a rise of 52.46 billion yuan [6]. - General consumer loans grew to 724.1 billion yuan, with a 36.57 billion yuan increase, indicating a focus on supporting consumption [6]. Financing Costs - The average interest rate for newly issued loans in September was 3.83%, down by 0.61 percentage points year-on-year, indicating a reduction in financing costs for both enterprises and individuals [8]. Financial Support for Key Areas - The Henan Branch has implemented the "Five Major Financial Articles" policy, focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance, with respective loan balances showing significant year-on-year growth [9][10][11][12]. - Technology loans reached 1.07916 trillion yuan, up by 15.9%, while green loans increased by 27% to 1.03809 trillion yuan [9]. Bond Market Financing - The bond financing in the interbank market has grown, with a total of 448.87 billion yuan in corporate debt financing tools by September, reflecting an 8.6% increase [12]. - Innovative debt financing tools saw a 64.9% increase, reaching 46.23 billion yuan [12]. Support for Foreign Economic Development - The foreign exchange market in Henan has remained stable, with nearly 70 billion USD in facilitation business processed in the first three quarters [15]. - The province has supported cross-border financial innovations, with capital project digital business reaching 700 million USD [15][16]. Consumer Support Measures - The Henan Branch has implemented measures to boost consumption, with personal consumption loans (excluding housing) reaching 724.1 billion yuan, a year-on-year increase of 9.83% [20][21]. - The focus has been on enhancing financial products and services to meet diverse consumer needs, with service consumption loans growing to 105.88 billion yuan, up by 4.04% [21].

河南日报客户端记者 李鹏 扎实开展政银企对接。通过制作再贷款政策明白卡、政策索引手册和开展线上路演等方式，广泛开展金 融政策推介，着力营造良好宣传氛围。会同郑州市政府举办金融支持科技创新系列签约活动，指导洛 阳、鹤壁等地开展"共享促融""同心助企"等专题对接会。配合省发展改革委、省工业和信息化厅等部门 统筹推进"万人助万企"活动，对民营小微企业开展精准对接，提升金融服务适配性。 强化金融政策支持。制定印发《关于认真学习贯彻〈国务院办公厅关于做好金融"五篇大文章"的指导意 见〉 扎实做好我省金融"五篇大文章"有关工作的通知》等系列文件，引导金融机构持续健全内控制 度、单列信贷规模、下放审批权限、强化激励考核，不断完善"敢贷愿贷能贷会贷"长效机制。联合政府 部门推动上市培育、债券发行、减税降费、融资担保等惠企政策协同发力，最大限度释放政策效能。 加强政策工具运用。充分发挥货币政策工具牵引带动作用，推动金融资源持续向普惠领域精准集聚，促 进普惠贷款实现量增面扩。今年以来，全省累计发放支农支小再贷款457.4亿元，同比多增40.2亿元、创 历史同期新高，为普惠领域注入强劲资金动力；累计投放符合服务消费与养老再贷款、科 ...