本报讯 （记者李雯珊）8月28日，广州农村商业银行股份有限公司（以下简称"广州农商银行"）发布 2025年中期业绩公告。中报显示，该集团资产总额14067.06亿元，较年初增长3.25%；各项存款余额 10147.58亿元，较年初增长3.60%；实现营业收入80.37亿元，同比增长9.41%，资产规模稳步提升，经 营势能不断增强，综合实力稳居全国农商银行前列。 同时，为加大三农领域信贷投放力度，广州农商银行突破传统思维，创新推出"金米花卉贷"、集体建设 用地"信用贷""项目贷"等特色金融产品，形成了以营业网点为主阵地、农村金融服务站为延伸、"金融 村官"为补充的农村金融服务格局。截至报告期末，该行涉农客户2.05万户，较年初增幅达16.05%；选 派34名"金融村官"，对接7区55个行政村，以实际行动将金融服务延伸至田间地头"最后一公里"。 今年以来，广州农商银行深耕本土市场，加大制造业关键领域与重大项目的信贷投放力度，全力助推广 州市"12218"现代化产业体系建设。中报数据显示，该行第二产业贷款较上年末增加48.4亿元，增幅 8%，新增投放主要为制造业贷款，金融助力地方经济发展成效显著。 中报显示，广州农 ...

Core Viewpoint - The article emphasizes the importance of the "Hundred Counties, Thousand Towns, and Ten Thousand Villages High-Quality Development Project" (referred to as "Hundred Thousand Project") in addressing the regional development imbalance in Guangdong, with a focus on the role of financial institutions like Guangzhou Rural Commercial Bank in supporting this initiative [1][2]. Financial Performance - Guangzhou Rural Commercial Bank reported a revenue of 15.83 billion yuan and a net profit of 2.42 billion yuan for 2024, with total assets amounting to 1.36241 trillion yuan and total loans and advances of 720.23 billion yuan [1]. - The bank's agricultural loan balance reached 40.14 billion yuan, showing steady growth, with 21,000 agricultural clients and a 26.4% increase in the number of supported agricultural enterprises since the beginning of the year [1]. Strategic Initiatives - The bank has established a dedicated working group for the "Hundred Thousand Project" to align its operations with the project's goals, enhancing its financial services for rural and regional development [2][3]. - A focus on product innovation and differentiation is emphasized, with the bank aiming to avoid homogeneous competition with larger banks by enhancing its product offerings and meeting diverse customer needs [2][3]. Channel and Network Development - Guangzhou Rural Commercial Bank has established 531 branches and 141 rural financial service stations in Guangzhou, leading in coverage within the city [3]. - The bank plans to implement a three-year plan to enhance the competitiveness of its branches and improve rural financial services [3]. Product Innovation - The bank has introduced a "2+3+N" corporate credit product system and a "3+N" inclusive small loan product system, targeting key industries and regions [4][5]. - Specific products include the "Rural Revitalization Excellent Agricultural Loan" with a maximum credit limit of 50 million yuan, and loans for the flower planting industry and rural tourism projects, demonstrating a commitment to supporting local industries [5][6]. Policy Utilization - In 2024, the bank utilized over 4 billion yuan in agricultural re-loan policy funds and nearly 10 billion yuan in small re-loan policy funds, significantly impacting agricultural and small business loans [6]. - The bank's efforts have led to a reduction in the average interest rates for agricultural and small business loans, benefiting over 1,000 agricultural households and supporting more than 3,600 small and private enterprises [6].