八月骄阳炽热如火，田野里银柴胡翻涌着绿浪，黄芩绽放着蓝紫色的小花。记者来到宁夏同心县中药材 种植基地，被郁郁葱葱的银柴胡、黄芩、板蓝根等药材吸引。 针对小微企业中药材信贷产品不多，融资渠道单一的情况，中国人民银行吴忠市分行同心营管部引导辖 内银行业金融机构创新推出中药材专属信贷产品，在利率、期限、抵押物等方面出台优惠支持举措，不 断加大信贷投入，切实解决信贷占比偏低和中药材产业发展过程中的卡点、堵点问题，全面提升和壮大 本土中药材企业、合作社、种植大户生产能力。 因扩大柴胡和黄芩种植规模，同心县马高庄乡的泉蚨种植专业合作社急需流动资金100万元，当地农商 银行了解情况后，利用"小微通"专属信贷产品及时为合作社办理了90万元流动资金循环贷款，有效解决 了合作社的燃眉之急。通过"基地+合作社+农户+金融机构"的联农带农机制，合作社今年又培育带动 178户群众参与种植、319户脱贫户发展庭院经济，户均年增收6000元。 "现在合作社真是给老百姓解决了大难题，以前农户需要自己摸索种植技术，产量上不去，销路也没保 障，辛辛苦苦忙活一年也挣不了几个钱。"当地政府农业技术人员李海洋告诉记者，如今合作社不仅提 供全程技术指导 ...

Core Viewpoint - Linzhou City has transformed from a poverty-stricken mountainous area to a tourism destination by prioritizing ecological development and implementing the concept of "lucid waters and lush mountains are invaluable assets" [1][8]. Environmental Governance - Linzhou has initiated systematic restoration and enhancement of its natural environment, achieving over 95% effective rural waste management through a market-oriented cleaning model combined with community participation [2]. - The city has engaged 1.56 million people in a "Clean Home" campaign, clearing 865,000 tons of waste and planting 480,000 trees, while also completing toilet renovations for 92% of rural households [2]. - The "All-region Greening" plan has increased forest coverage to 47%, with 1.71 million acres of forest land, including 300,000 acres of economic forest [2]. Resource Recycling - Linzhou has creatively repurposed traditional stone structures from demolished buildings into park landscapes, preserving cultural memory while reducing construction costs [3]. - The city has transformed 1,100 hectares of abandoned homesteads into gardens and orchards [3]. Ecological Industry Development - Linzhou has strategically developed unique ecological industries, facilitating the conversion of "green mountains and clear waters" into economic benefits [4]. - The chrysanthemum industry has been established in Tea Shop Town, generating an annual output of approximately 10 million kilograms and contributing over 35 million yuan to local farmers [4]. - The under-forest economy has been developed by utilizing forest resources for medicinal herbs, generating over 1 million yuan in annual income from 300 acres of medicinal plants [4]. Slope Economy - Linzhou has introduced favorable policies for slope land development, leading to the transformation of 1,500 acres of wasteland into terraced fields for walnut and apple cultivation, providing over 80 jobs [5]. Cultural and Tourism Integration - Linzhou has built a comprehensive tourism system leveraging the Red Flag Canal spirit and the natural resources of the Taihang Mountains, establishing a 5A-level tourist area [6][7]. - The city has developed over 470 boutique homestays, transforming traditional villages into popular tourist destinations [8]. - The integration of tourism and industry aims to achieve a modern industrial system, focusing on high-end, intelligent, and green development [8].

Core Insights - The innovative "under-forest economy" model in Jinzhongzi Town has significantly enhanced agricultural productivity and income for local farmers, demonstrating a successful integration of traditional fruit farming with medicinal herb cultivation [1][2][3] Group 1: Agricultural Innovation - The "under-forest economy" model allows for efficient land use by combining peach cultivation with the planting of medicinal herbs, resulting in a dual-income stream for farmers [1] - The integration of peach trees and medicinal herbs creates a symbiotic root system, enriching the fruit with trace elements and increasing consumer appeal [1] Group 2: Economic Impact - Each acre of land with the combined planting of medicinal herbs can generate an additional income of 3,000 yuan, leading to an annual increase of 400,000 yuan for a 200-acre farm [1] - The cooperative model involving local party branches, family farms, and farmers ensures a fair distribution of profits, with 60% going to farmers, 20% to the farm, and 20% to the village collective [2] Group 3: Community Engagement - Over 20 villages have engaged in planting medicinal herbs on idle land, involving more than 200 households and covering over 200 acres [2] - The initiative not only improves the living environment but also contributes over 40,000 yuan annually to village collectives, enhancing community satisfaction [2] Group 4: Future Development - Jinzhongzi Town is expanding its agricultural initiatives by developing the Dou Dan industry and planning to increase the cultivation area by over 1,000 acres in the coming years [2][3] - The town is also focusing on establishing new types of agricultural entities and promoting brand-driven agricultural efficiency and farmer income growth [2][3]