"百千万工程"，三年成效初见。日前，全省推进"百县千镇万村高质量发展工程"促进城乡区域协调发展 现场会在广州举行。会上指出，要深刻认识持续抓下去，意味着"百千万工程"这条路找对了、走通了。 三年来，广东金融机构争相投身"百千万工程"这一头号工程。大型银行凭借资金成本低、科技实力强等 优势加速入局，区域中小银行、村镇银行等本土机构则坚守传统阵地，发挥人缘地缘优势。 竞争的日趋激烈意味着深度参与这项工程的金融机构，必须找到能充分发挥自身优势且能盈利、可持续 的商业逻辑。 这场角逐中，定位于赋能"百千万工程"主力军的广州农商银行，不仅在传统板块探索出增量空间，找准 自己的生态位，更重要的是摸索出一条与战略契合、商业可持续兼具的发展道路。下沉市场破局，夯实 可持续根基 长期以来，县域及乡村地区因金融需求分散、风险评估难度大，潜在价值未能被充分挖掘，成为"价值 洼地"。 另一组值得关注的数据是，截至2024年末，广州农商银行农户消费贷款类产品余额突破20亿元，增速超 50%。乡村经济活力的提升，让金融需求从单一生产性信贷向多元化延伸，安居、教育、医疗、消费、 创业等需求多点爆发，这也为深耕县域金融的广州农商银行打开了新 ...

Core Viewpoint - Guangzhou Rural Commercial Bank has demonstrated steady growth in total assets and revenue while enhancing its support for the real economy, particularly in agricultural finance, as evidenced by its recent performance report and initiatives aimed at rural development [1][2][3]. Group 1: Financial Performance - As of the end of 2024, the bank's total assets reached 1.36 trillion yuan, with operating income of 15.832 billion yuan, indicating a steady increase in asset scale [1]. - The bank's agricultural loan balance stood at 40.135 billion yuan, with a 26.39% increase in the number of supported agricultural enterprises compared to the beginning of the year [1]. Group 2: Financial Innovation and Product Development - The bank established a working group for the "Hundred Counties, Thousand Towns, and Ten Thousand Villages" project, launching innovative financial products tailored to local agricultural needs, including the "Rural Revitalization Preferred Loan" with a credit limit of up to 50 million yuan [2]. - New financial products such as "Golden Rice Flower Loan" and "Golden Rice Homestay Loan" were introduced to support local特色产业 and promote rural tourism [3]. Group 3: Support for Rural Development - The bank has launched collective construction land "credit loans" and "project loans" to address the issue of rural property not being eligible for collateral, supporting over 100 projects with more than 2 billion yuan in funding [4]. - The bank's rural credit products have benefited nearly 6,500 households, with a total loan balance exceeding 2.2 billion yuan for various consumer loan products [4]. Group 4: Technological Empowerment and Governance - The bank has enhanced its technological capabilities in rural governance, implementing a rural asset management platform and various smart systems to improve financial services in rural areas [5][6]. - The "Village Asset Treasure" system has been deployed across multiple districts, with a significant increase in signed clients, indicating a successful outreach strategy [5]. Group 5: Community Engagement and Social Responsibility - The bank has actively engaged in community support, donating 1.9 million yuan and purchasing local agricultural products worth approximately 4.5 million yuan to aid rural enterprises [8]. - Initiatives like "Silver Society Assistance for Agricultural Promotion" have provided substantial financial support to over 230 administrative villages, reinforcing the bank's commitment to rural revitalization [8].