To thoroughly implement the spirit of the 20th National Congress of the Party and the Second and Third Plenary Sessions of the 20th Central Committee, and to fully carry out General Secretary Xi Jinping’s instructions on... The important expositions and guiding instructions on “agriculture, rural areas, and farmers” work, Seriously implement Central Economic Work Conference and Central Rural Work Meeting decision and deployment ， Promote Central Committee of the Communist Party of China   The State Council’s Measures for Further Deepening Rural Reform   Opinions on Solidly Promoting the Comprehensive Revitalization of Rural Areas Implement and refine measures within the financial system. Continue learning and applying. The experience of the “Ten Million Projects” initiative—strengthen reform-oriented thinking and make good use of reform approaches. Deeply implement the special action to provide financial support for the comprehensive revitalization of rural areas, improve the rural financial service system, enhance the efficiency of financial resource allocation, and play a greater role in promoting the modernization of agriculture and rural areas and achieving the goal of building a strong agricultural nation. We now propose: As follows Opinion.

I. Strengthen Financial Safeguards for Food Security

(1) Increase Financial support for stabilizing grain and important agricultural product production and ensuring supply Investment 。 Connect to grain and oil Crops Action to significantly boost per-unit yields across large areas, with increased credit resource allocation toward major grain-producing regions and key grain-producing counties. Expand production of soybeans and oilseeds. Credit support for links such as planting, procurement and sales, and processing. Encourage local areas to launch special loan interest subsidies for grain and oilseed cultivation. Pilot program , strengthen Credit support for emergency supply and production bases of “vegetable basket” products, Strengthen credit policies along with policies such as pricing, subsidies, and insurance. Organic connection 。 Reasonable Extend loan terms through methods such as revolving credit and principal-free renewals. Support for live pigs and beef cattle, Dairy cow, Meat sheep, aquatic products Wait The industry is developing steadily.

(2) Deepen Financial support for high-standard farmland and agricultural water conservancy projects Service 。 Actively align with agricultural land development, water conservancy projects, and supporting infrastructure projects in rural areas. Encourage financial institutions to develop financing models that leverage market-oriented operational revenues as the source of repayment, based on the project’s repayment sources. According to... High-standard farmland Construction and operation Flexibly set repayment methods based on the loan cycle, extend the loan term, and increase the proportion of medium- and long-term loans. Promote investment and financing innovations such as the coordinated linkage of investment and lending for high-standard farmland development. Conduct thorough credit assessments for projects involving the comprehensive utilization of saline-alkali lands, protection of black soils, and remediation of degraded farmland, and appropriately meet financing needs.

(3) Strengthen financial support for the development of new agricultural productivity. Supply 。 Strengthen financial services for revitalizing the seed industry, Focus “ South Breeding Silicon Valley ” and tackling key scientific research platforms and core seed resource technologies, among other major initiatives. Project ， Increase investment in R&D loans with long maturities and low costs. Actively promote research and breeding materials and new plant variety rights. Breeding and seed production facilities and equipment Pledge-based financing enhances the ease of access to funding for seed industry enterprises. Targeting agricultural machinery and equipment, as well as smart agriculture. Offshore fisheries For technology innovation enterprises in fields such as these, establish a differentiated credit assessment system and appropriately increase the credit loan limits. Make good use of policies such as re-lending for technological innovation and technological upgrades, and increase credit investment in the scrapping and upgrading of aging agricultural machinery and equipment. Expand the scale of M&A loans to support market-oriented mergers and reorganizations of leading agricultural technology enterprises.

(Four) Optimize Diversified food supply system and financial services. Support regions with suitable conditions to develop a list of collateral assets in the food supply sector, and encourage financial institutions to... Agricultural facilities, Agricultural product inventory Livestock and poultry live animals, aquatic products, etc. Include collateral and pledged assets within the scope of coverage, reasonably assess asset values, determine appropriate loan-to-value ratios, and leverage standardized warehousing and intelligent monitoring tools to explore effective approaches for collateral supervision. Build... Supporting the development of diverse foods Financial Services System Encourage financial institutions to integrate into the comprehensive development and construction of mountain, sea, forest, and farmland resources, and actively meet the demand for forest foods, deep-sea aquaculture, and algae. Aquaculture and Financing needs in areas such as food development and bioagriculture. Increase support for Chinese agricultural enterprises going global, and encourage financial institutions to provide tailored financial services to multinational agricultural enterprises.

II. Continuously consolidate and expand the achievements of financial assistance.

(5) Increase financial support for poverty-alleviation areas and key groups. Continue to significantly increase support for counties designated as key areas for national rural revitalization assistance. and underdeveloped regions, “ Ten Thousand Enterprises Revitalize Ten Thousand Villages ” Action Enterprise Financial support: Continue to implement differentiated financial support policies and maintain the intensity of credit allocation to poverty-alleviation areas. Continue to significantly increase financial support for the development of assisted industries and strengthen precise, full-chain financial services tailored to these industries. Solidly provide financial services to support the follow-up development of centralized resettlement areas for poverty-alleviation relocation. Optimize the financial support model for linking and assisting farmers, and enhance the capacity of assistance workshops to drive employment. Effectively monitor the quality of microcredit loans for households that have been lifted out of poverty and manage loan renewals and extensions. ， Actively plan for the post-transition period. of the Financial support mechanism.

(6) Continuously enhance the quality and effectiveness of targeted assistance. Fulfill the political responsibility of targeted assistance, and strengthen the building of the targeted assistance team. Mechanism Ensure that support measures and projects are planned scientifically. Maintain the overall stability of support efforts and steadily advance rural revitalization across the board—revitalizing rural industries, talent, culture, ecology, and organizations. Fully leverage financial advantages, strengthen coordination among support funds, social resources, and financial instruments, and drive increased efficiency in agriculture, enhanced vitality in rural areas, and higher incomes for farmers in assisted regions.

III. Deepen financial services for rural industries that boost farmers’ incomes

(7) Do a good job in the township. village “Local Specialty” Financial Services. Closely align with the financing needs of specialty agricultural product cultivation and breeding, formulate differentiated credit policies tailored to local conditions, broaden collateral and guarantee options, and innovate in rural areas. “Local Specialty Products” financing model and exclusive financial products. Support the improvement of agricultural varieties, enhancement of quality, brand development, and standardized production. Actively connect with agricultural product processing industrial parks, Rural artisan cluster, Financing needs for key projects in the modern circulation network for agricultural products and agricultural inputs, and for improving agricultural production and processing. 、 Brand Sales Financial services across all stages will continuously enhance the overall efficiency of agriculture. We will optimize integrated financial services—including cross-border trade, investment and financing, and settlement—for agricultural international trade and cross-border e-commerce of agricultural products.

(8) Boost High-quality development of county-level industries. Explore the implementation of key industrial chains at the county level. “Financial Chain Leader System”—promoting the “One Chain, One Policy” financial service model, tailored to the specific characteristics of each industrial chain. Provide targeted financing services. Focusing on advantageous and distinctive industrial clusters and strong industrial towns. Place of origin Explore and launch initiatives to meet financing needs such as those from the market. Bulk credit approval, enhancing service efficiency Expand financial service scenarios to support the development of new rural industries and business models, such as leisure agriculture, courtyard economies, rural tourism, and homestay-based economies. Increase investment in green credit and transition-oriented credit. Accelerate the comprehensive green transformation of agricultural development. 。

(9) Support broadening channels for farmers to increase their income. Expand Provide first-time loans and credit loans to support smallholder farmers in enhancing their self-development capabilities. Increase financial support and cultivation efforts for family farms and farmer cooperatives, and bolster new types of agricultural business entities. and agricultural socialized service providers Development. Strengthen the implementation of policies such as entrepreneurship guarantee loans and increase financial support for those returning to their hometowns to start businesses. Innovate agricultural supply chain finance business models, Support leading agricultural enterprises, “Chain Master” Enterprises lead and drive various agricultural business entities along the industrial chain to enhance their creditworthiness and increase their operating income through financing. Rich Bonds, wealth management Enhance the supply of financial products to boost property income for rural residents and new urban citizens.

IV. Enhancing the Level of Financial Services for Rural Development

(Ten) Support Infrastructure and public services are extending their coverage to rural areas. Precisely align with agricultural and rural infrastructure. Financing Project database, with increased investment in the upgrading of a new round of rural roads, On-site warehousing and freshness preservation, cold-chain logistics, Financial support for projects such as ensuring rural water supply, building commercial systems at the county level, and developing and utilizing distributed renewable energy sources. Financial institutions are encouraged to integrate commercially viable projects with public-benefit projects, offering diversified financing solutions through mechanisms such as loan-investment linkages, syndicated lending, and bundled project packages. We will also increase financial supply to support the construction of a three-tier elderly care service network at the county, township, and village levels, as well as the development of rural childcare services.

(Eleven) Enhance Financial support for building livable, work-friendly, and harmonious rural areas. Actively align with the rural living environment improvement and upgrading initiative, focusing on the rural toilet revolution, the treatment of domestic sewage and black-and-odorous water bodies, and... Life In key areas such as the comprehensive treatment and utilization of organic waste, innovatively develop specialized credit products and service models. Encourage Take The bundled approach for “Governance + Industry Introduction” projects provides comprehensive credit approval for eligible projects, thereby broadening their financing channels. We are exploring financial mechanisms to support the realization of the value of ecological products, and further... Big match Key students such as those from the “Three North” regions State Engineering Construction of the Financial support 。 Promote financing through the pledge of expected income rights, energy-use rights, water-use rights, and pollution-discharge rights, support the protection and restoration of key ecosystems, and help improve the ecological environment in rural areas.

(Twelve) Expand Financial services for integrated urban-rural development and new-type urbanization construction in county-level regions. Financial institutions are encouraged to leverage their strengths in both financing and expertise by getting involved early in the village planning phase and providing specialized advisory services and tailored financing solutions. Based on the characteristics of investment entities and projects in new-type urbanization, financial institutions are urged to offer comprehensive financing services—including bond financing, equity investment, fund trusts, and financial leasing—adapted to local conditions. We will actively meet the financial needs of new citizen groups, such as rural migrants, in areas including housing, education, healthcare, and elderly care.

V. Strengthen financial empowerment to enhance the quality and effectiveness of rural governance.

(13) Promote Cultivating Civilized Rural Customs in the New Era. Enhance Deeply integrate “agriculture, culture, and tourism” with financial services, and explore including scenic area operating rights and ticket revenue rights in the list of eligible collateral. Tap into and revitalize historical and cultural resources in rural areas, and increase investment in rural opera stages, folk custom experience centers, and intangible cultural heritage workshops. Village Arts Workshop Provide financial support for public cultural facilities and promote the construction of distinctive protection zones for traditional villages. Promote... “Village-wide Credit Granting” 、 The “unnoticed credit granting” and “points-based” governance models are organically integrated to expand the application of rural virtue and credit points in financial scenarios, thereby revitalizing villages. People's credit assets.

(Fourteen) Empowering Digital Rural Development 。 Focus on the Special Action to Strengthen Agriculture, Benefit Farmers, and Enrich Farmers through Digital Rural Development and the Smart Agriculture Initiative Deepen the implementation of the demonstration project for leveraging financial technology to empower rural revitalization, and promote the integration and sharing of agricultural data resources. Make good use of platforms such as the Credit Market Service Platform and the Credit Express Lane for Agricultural Business Entities. Accelerate agriculture-related initiatives. Financial products, service channels, and business processes Digital and intelligent transformation to enhance the inclusiveness of digital finance in rural areas. Deepen... With the county and township ( town The government, village committees, and various agricultural-related entities are collaborating to create a platform that integrates smart government services, convenient daily life services, and financial services tailored to support farmers. A comprehensive, all-scenario integrated service platform for rural areas, empowering rural governance.

(Fifteen) Improve Rural Basic Financial Services Horizontal 。 Further optimize the layout of rural financial outlets. ， Regularly carry out financial literacy promotion activities to enhance the financial literacy of rural residents. Strengthen publicity efforts to prevent telecom and internet fraud, crack down on illegal fundraising, and combat counterfeit currency, thereby safeguarding the rights and interests of financial consumers in rural areas. Deeply advance the construction of the rural credit system and strengthen the collection and sharing of agricultural-related credit information. Expand the application scenarios of the national platform for sharing credit information on cash flow for small, medium, and micro-sized enterprises. Optimize Help Agricultural withdrawal service, Strengthen the popularization and application of emerging payment methods such as mobile payments, and guide the expansion of mobile payments into rural areas. Actively... Promote the distribution of national bonds to rural areas and continuously enhance the convenience of purchasing savings national bonds in rural regions. Profitability.

Six, Improve the financial service system and mechanisms for rural reform.

(16) Promote the revitalization of rural resource assets. In-depth Promote pilot programs for the standardized trading of rural property rights. Promote the construction and application of platforms for the transfer, trading, and financing of rural property rights. Encourage localities to explore the establishment of management systems for confirming ownership and issuing certificates for agricultural facilities and live livestock, conducting value assessments, registering mortgages, and disposing of assets. Leverage the role of the unified registration and publicity system for movable property financing to promote broader coverage of mortgage-based financing. Deepen financial services for the reform of the collective forest rights system, Increase the issuance of forest rights mortgage loans and medium- and long-term loans to forestry operators. 。 Explore mortgage financing models for rural contracted land management rights, and provide support. Rural collective economic organizations offer equity pledge loans against collectively-owned operational assets. 。

(17) Optimize and improve the financial supply mechanism. Development and policy banks should stay true to their functional positioning and, within the scope of their business, step up medium- and long-term credit support for key areas of all-round rural revitalization. State-owned commercial banks and joint-stock commercial banks should leverage their advantages in funds, technology, and other resources to tilt credit resources more heavily toward county-level branches. We must firmly uphold the principle of supporting small and medium-sized rural enterprises. Bank Focus on supporting agriculture and small businesses, “One province, one policy” accelerates the reform and risk mitigation of rural credit cooperatives. Steady and orderly Promote the reform and restructuring of village and town banks. All banking and financial institutions should strengthen credit management, comprehensively considering factors such as the borrower’s operational and financial condition, risk tolerance, and genuine financing needs to scientifically and reasonably determine credit limits, thereby avoiding multiple lending relationships and excessive credit granting. They should also clarify credit usage standards, optimize credit approval processes, and enhance credit utilization efficiency.

7. Strengthen policy support and organizational promotion.

(18) Strengthening Policy coordination and integration. Comprehensively employ monetary, credit, and other policies, Promote Financial institution Increase the intensity of Rural Revitalization Sector-specific fund allocation 。 Encourage financial institutions to issue. “Agriculture, Rural Areas, and Farmers,” Small and Micro Enterprises, Green Development Specialized Financial bonds to support eligible enterprises in issuing bonds. Rural Revitalization Bonds For the integrated development of modern rural industries and rural industries. Standardize and optimize the allocation of bond funds and policy support. 。 By comprehensively leveraging mechanisms such as risk compensation, loan interest subsidies, and incentive grants, we will leverage financial resources to support rural revitalization. Promote government-backed financing guarantee institutions to leverage their credit-enhancing functions and provide support. Financing for business entities such as “agriculture, rural areas, and farmers” 。

(Nineteen) Do a good job Promotion and monitoring & evaluation. Establish and improve a monitoring system for comprehensive rural revitalization loans, and promote grain production. Loan Revitalizing the seed industry Loan 、 Livestock and poultry breeding loans, Agricultural product processing Loan New-type agricultural business entities and agricultural socialized service providers Key priority areas of the Conduct statistics, strengthen analysis, and enhance situational reporting. Optimize the assessment and evaluation system for financial institutions’ services supporting rural revitalization, and reinforce the sharing and application of assessment results. Timely summarize innovative practices in providing financial services to support the comprehensive revitalization of rural areas. Fully leverage various media channels to strengthen the promotion and interpretation of policies and products, and comprehensively reflect financial support for [something - the original text is incomplete]. Effectively and deeply advance the construction of existing inclusive finance reform pilot zones, and support the integration of... Typical The experience will be replicated and promoted on a larger scale. 。