The hands of finance can not only effectively support large projects and projects, but also accurately support small farmers and small enterprises. Some business entities actively cultivate good seeds and develop good opportunities for agricultural new quality productivity according to local conditions. This is inseparable from financial empowerment. Activating the endogenous driving force for the comprehensive revitalization of rural areas. It is necessary to break the bottlenecks and constraints such as "people, land, and money". "Living water" enters the field, and long-term flowing water can increase the potential
Ear the air and take off, fly 13.8 meters per second, and spread 100 kilograms of fertilizer in one minute - the plant protection drone flies through the green wheat fields, full of technology. Wu Zhiyou, a large grain grower in Tongzhou District, Nantong, Jiangsu, said: "Thanks to the support of the Agricultural Bank of China's loan, I bought a new guy early, and the drone has become a good helper." "Wheat gets up in the spring equinox, worth a thousand gold in a moment." More than 200 days a crop of wheat is a crux of water, and spring plowing and spring management are the juncture of maintaining a bumper harvest. At present, from south to north, the villagers buy agricultural supplies, grab farming seasons, and seize land management. The busy and compact agricultural work determines that farmers' financing needs are not only seasonal, but also have the characteristics of "short, frequent and urgent". The vast fields look forward to the general financial "timely rain".
Look at the front line of spring plowing, "remote sensing seedlings, data loans", satellites become "credit officers"; "mobile counter" goes to the field, open a green channel, and press the "fast forward button" for approval. From optimizing services to innovating products, financial institutions take the initiative and implement policies accurately, making loans more convenient and interest rates more favorable, providing assistance for the smooth development of spring farming and spring management and ensuring stable and bumper grain production.
Financial is an important driving force and supporting factor for the comprehensive revitalization of rural areas. The financial hand can not only effectively support large projects and projects, but also accurately support small farmers and small businesses. As of the end of December 2024, the balance of inclusive agricultural loans nationwide increased by 14.4% year-on-year; the average interest rate of newly issued inclusive agricultural loans dropped to 4.9%. The increase and decrease confirms the "wide" scope of benefits for inclusive finance and the "large" efforts to benefit farmers.
It should also be noted that the agricultural industry has a long operating cycle and weak risk resistance, the development of new agricultural operators is unbalanced, the scale of individuals is small, and the problems of "difficulty in mortgage" and "difficulty in guarantees" still exist. This year's Central Document No. 1 proposed: "Promote financial institutions to increase their investment in the rural revitalization field." The "Guiding Opinions on Doing a Good Job in the "Five Major Articles" of Finance" issued not long ago requires: "Improve the level of financial services for rural revitalization, support and ensure national food security and consolidate and expand the results of poverty alleviation."
From the demand side, some business entities actively cultivate good seeds and develop good opportunities, and develop new agricultural productivity according to local conditions, which is inseparable from financial empowerment. The construction of high-standard farmland is being promoted in an orderly manner and the construction of large and medium-sized irrigation areas is accelerating. To make up for shortcomings, financial resources are also needed to contribute. The villagers look forward to more "tailored" financial products, and the comprehensive revitalization of rural areas requires stronger financial support.
The change in demand resonates with financial supply, and the "live water" of the gurgling financial "wave" is precisely dripping to nourish new seedlings. Agricultural Bank of China has formulated 14 measures to extend the loan term, simplify loan renewal procedures, and give priority to file establishment and loans to grain growers. The Agricultural Development Bank of China supports spring farming preparations and has issued cumulative loans of over 100 billion yuan, which are used for agricultural supplies, black soil protection, smart agriculture, etc. These measures not only solve the current urgent needs, but also focus on long-term needs, providing strong support for the comprehensive revitalization of rural areas.
Inclusive finance is connected to the "small days" of thousands of households on one end, and to the "big plate" of economic development on the other end. To activate the endogenous driving force for the comprehensive revitalization of rural areas, we must resolve bottlenecks and constraints such as "people, land, and money". Only when the "live water" enters the field can the long flowing water increase the potential. Focusing on key key areas such as food security, rural industry, rural construction, and agricultural science and technology, making high-quality services "expand the radius", preferential products "easy to obtain", and promoting multi-level, wide-coverage, sustainable modern rural financial services "flying into the homes of ordinary people", will surely add a touch of great color to the writing of this great article in inclusive finance.
