中国农业银行发布《2022年三农金融服务报告》

Agricultural Bank of China releases the "2022 Report on Financial Services for Agriculture, Rural Areas, and Farmers"

近日，中国农业银行发布《2022年三农金融服务报告》，这是该行连续第15年发布“三农”金融服务报告。

Recently, the Agricultural Bank of China released the "2022 Financial Services Report on Agriculture, Rural Areas, and Farmers", marking the 15th consecutive year that the bank has released a financial services report on agriculture, rural areas, and farmers.

2022年，农业银行坚持以新时代中国特色社会主义思想为指导，深入贯彻关于“三农”工作的重要论述和指示精神，坚守服务“三农”初心使命，围绕服务乡村振兴领军银行战略定位，加大农业农村金融资源投入，持续推进科技创新赋能，金融服务乡村振兴取得显著成效。截至2022年末，乡村振兴领域贷款余额7.31万亿元，较年初增加1.11万亿元，增速17.9%，高于全行2.8个百分点。贷款年增量首次实现超万亿元。

In 2022, Agricultural Bank of China will adhere to the guiding ideology of socialism with Chinese characteristics in the new era, deeply implement the important discourse and instructions on "agriculture, rural areas, and farmers" work, adhere to the original mission of serving "agriculture, rural areas, and farmers", focus on the strategic positioning of serving the leading bank in rural revitalization, increase investment in agricultural and rural financial resources, continue to promote technological innovation and empowerment, and achieve significant results in financial services for rural revitalization. As of the end of 2022, the loan balance in the field of rural revitalization had reached 7.31 trillion yuan, an increase of 1.11 trillion yuan compared to the beginning of the year, with a growth rate of 17.9%, 2.8 percentage points higher than the entire bank. The annual increment of loans has exceeded one trillion yuan for the first time.

农业银行保持帮扶政策稳定连续，倾力支持巩固拓展脱贫攻坚成果。加大脱贫地区特色产业发展、乡村建设、易地搬迁后续帮扶等的信贷支持力度，大力支持脱贫人口增收致富，突出做好国家乡村振兴重点帮扶县金融服务，创新推广“富民贷”产品，扎实推进定点帮扶和非信贷帮扶行动。截至2022年末，在832个脱贫县贷款余额1.69万亿元，较年初增加2253亿元，增速15.4%。在160个国家乡村振兴重点帮扶县贷款余额3149亿元，较年初增加481亿元，增速18.4%。“富民贷”余额116亿元，支持农户14.6万户。

The Agricultural Bank of China maintains stable and continuous assistance policies and fully supports the consolidation and expansion of poverty alleviation achievements. Increase credit support for the development of characteristic industries, rural construction, and follow-up assistance for relocation in poverty-stricken areas, vigorously support the income increase and wealth enhancement of poverty-stricken populations, highlight the financial services provided by key counties for national rural revitalization, innovate and promote "enriching people loans" products, and solidly promote targeted and non credit assistance actions. As of the end of 2022, the loan balance in 832 poverty-stricken counties reached 1.69 trillion yuan, an increase of 225.3 billion yuan or 15.4% compared to the beginning of the year. The loan balance in 160 key counties for rural revitalization in China is 314.9 billion yuan, an increase of 48.1 billion yuan or 18.4% compared to the beginning of the year. The balance of the "Fumin Loan" is 11.6 billion yuan, supporting 146000 households.

农业银行聚焦重点领域，助力全面乡村振兴。把服务粮食安全作为乡村振兴金融服务的首要任务，实施金融服务种业振兴行动，大力支持耕地质量提升，提供“从田间到餐桌”的粮食全产业链金融服务。大力支持乡村产业发展，聚焦乡村重点行业、重点领域、重点主体，出台差异化信贷政策，开展特色产品创新，探索有效服务模式，努力将产业链主体留在县域、增值收益留给农民。加大乡村建设支持力度，创新专属信贷产品和多元化融资模式，做好农村人居环境建设、城乡公共服务提升、县域农村居民消费升级金融服务。围绕农村农业减排固碳，积极构建包括绿色信贷、绿色投行、碳金融、绿色债券等多层次、立体化绿色金融体系，助推农业农村绿色转型升级。积极探索农地金融、农村集体经济组织金融服务模式，推动释放农村资源资产金融权能。截至2022年末，农业银行粮食重点领域贷款余额2359亿元，增速22.5%；种业领域贷款余额282亿元，增速81.7%。乡村产业贷款余额1.39万亿元，增速22.4%。乡村建设贷款余额1.56万亿元，增速21.6%。县域绿色信贷余额超过1万亿元，占全行绿色信贷余额40%以上。

Agricultural Bank of China focuses on key areas to assist in comprehensive rural revitalization. Make serving food security the primary task of rural revitalization financial services, implement financial service seed industry revitalization actions, vigorously support the improvement of farmland quality, and provide financial services for the entire grain industry chain from the field to the dining table. Vigorously support the development of rural industries, focus on key industries, fields, and entities in rural areas, introduce differentiated credit policies, carry out innovation in characteristic products, explore effective service models, and strive to keep the main body of the industrial chain in the county and leave value-added benefits to farmers. Increase support for rural construction, innovate exclusive credit products and diversified financing models, and do a good job in building rural living environments, improving urban and rural public services, and upgrading financial services for rural residents in counties. Focusing on the emission reduction and carbon fixation of rural agriculture, we will actively build a multi-level and three-dimensional green finance system, including green credit, green investment banking, carbon finance, and green bonds, to boost the green transformation and upgrading of agriculture and rural areas. Actively explore the financial service models of rural land finance and rural collective economic organizations, and promote the release of rural resource asset financial capabilities. As of the end of 2022, the balance of loans in the key grain sector of Agricultural Bank of China was 235.9 billion yuan, with a growth rate of 22.5%; The loan balance in the seed industry sector is 28.2 billion yuan, with a growth rate of 81.7%. The balance of rural industrial loans is 1.39 trillion yuan, with a growth rate of 22.4%. The balance of rural construction loans is 1.56 trillion yuan, with a growth rate of 21.6%. The balance of county level green credit exceeds 1 trillion yuan, accounting for over 40% of the bank's total green credit balance.

农业银行强化金融科技赋能，大力提升乡村振兴金融服务数字化水平。创新推广农户专属融资产品“惠农e贷”、农业龙头企业“龙头e贷”“智慧畜牧贷”等系列线上产品，努力为广大农民提供高效便捷的现代金融服务。围绕乡村产业、智慧政务、惠农服务三大重点领域，加快推进涉农场景建设，推出特色场景平台，积极推动涉农场景与金融服务融合。大力推广农村集体“三资”管理平台、乡镇治理平台、县域数字化治理平台等多层级治理场景平台，助力县域和农村治理现代化。不断丰富手机银行“三农”特色功能，大力推广创新手机银行乡村版，推出藏文、维文等少数民族语言功能。截至2022年末，农业银行“惠农e贷”余额7477亿元，较年初增加2031亿元，累计服务1500多万农户。农村集体“三资”管理平台已在1488个县上线，覆盖14.8万个行政村；1819个乡镇入驻乡村治理平台；“智县”已在16个省50个县推广。手机银行县域个人注册客户超2亿户，手机银行乡村版月活客户数达1744万户。

Agricultural Bank of China strengthens the empowerment of financial technology and vigorously improves the digital level of financial services for rural revitalization. Innovate and promote a series of online products such as "Huinong E-Loan", "Leading Agricultural Enterprise E-Loan", and "Smart Animal Husbandry Loan", which are exclusive financing products for farmers, and strive to provide efficient and convenient modern financial services for farmers. Accelerate the construction of agricultural scenarios, launch characteristic scenario platforms, and actively promote the integration of agricultural scenarios and financial services around the three key areas of rural industry, smart government, and agricultural services. Vigorously promote multi-level governance scenarios such as rural collective "three capital" management platforms, township governance platforms, and county-level digital governance platforms, to help modernize county-level and rural governance. We will continue to enrich mobile banking's "three rural" features, vigorously promote and innovate the rural version of mobile banking, and introduce Tibetan, Uyghur and other minority language functions. As of the end of 2022, the balance of Agricultural Bank of China's "Huinong E-loans" was 747.7 billion yuan, an increase of 203.1 billion yuan compared to the beginning of the year, serving over 15 million farmers in total. The rural collective "three capital" management platform has been launched in 1488 counties, covering 148000 administrative villages; 1819 townships have settled on rural governance platforms; 'Zhixian' has been promoted in 50 counties in 16 provinces. The number of individual registered customers of mobile banking in the county exceeded 200 million, and the number of monthly active customers of mobile banking rural version reached 17.44 million.

农业银行发展农村普惠金融，为县域农村客户提供更具温度的服务。加大普通农户、新市民、县域小微企业信贷投放，支持农村普惠客户发展生产改善生活。下沉服务重心，将全行超65%的新设、迁建网点布局到县域、城乡结合部和乡镇地区，进一步拓展农村基础金融覆盖面。积极做好惠农资金、边远地区、公益事业金融服务，不断丰富普惠金融内涵。坚持向“三农”客户减费让利，推动平抑农村金融市场价格。截至2022年末，农业银行农户贷款(人行涉农贷款口径)余额2.21万亿元。普惠金融领域贷款余额2.57万亿元，较年初增长5646亿元。在县域设立网点1.26万个，占全行网点的56%；惠农通服务点乡镇覆盖率94.1%；移动服务车办理业务20.4万余笔；远程银行累计服务“三农”县域客户4626万人次；组建1.75万支先锋队，累计进村服务148万次。

Agricultural Bank of China develops rural inclusive finance to provide more affordable services for rural customers in county areas. Increase credit allocation for ordinary farmers, new citizens, and small and micro enterprises in county areas, and support rural inclusive customers in developing production and improving their lives. Deepen the focus of service, and deploy over 65% of the newly established and relocated branches of the bank to counties, urban-rural fringe areas, and township areas, further expanding the coverage of rural basic finance. Actively providing financial services for farmers, remote areas, and public welfare undertakings, continuously enriching the connotation of inclusive finance. Insist on reducing fees and profits to customers of "agriculture, rural areas and farmers", and promote the suppression of rural financial market prices. As of the end of 2022, the balance of Agricultural Bank of China's farmers' loans (according to the People's Bank of China's agricultural loan standards) was 2.21 trillion yuan. The balance of loans in the inclusive finance sector was 2.57 trillion yuan, an increase of 564.6 billion yuan compared to the beginning of the year. Establish 12600 branches in the county, accounting for 56% of the bank's total branches; The coverage rate of Huinongtong service points in townships is 94.1%; More than 204000 mobile service vehicle transactions; Remote banking has served a total of 46.26 million customers in the "agriculture, rural areas, and farmers" counties; Establish 17500 vanguard teams and provide a total of 1.48 million village services.

农业银行秉持合作协同理念，汇聚内外部合力服务乡村振兴。进一步深化政银、银企、银担合作，全方位推动各条线各部门联动协作，汇聚投资、理财、人寿、租赁等农银系子公司力量，聚集更大更多能量共同服务乡村全面振兴。截至2022年末，与全国工商联开展“金融服务进民企”专项活动，为超过5万家下乡民企提供金融支持，信用余额超过5000亿元。已与所有省级农担公司合作开展业务，贷款户数超26万户，贷款余额达752亿元，位居同业前列。农银投资乡村振兴领域累计投资超过345亿元，在总投资规模中占比超25%。农银理财存续乡村振兴惠农和共同富裕系列产品规模合计655亿元，较上年末增长59%。

Agricultural Bank of China adheres to the concept of cooperation and coordination, gathering internal and external forces to serve rural revitalization. Further deepen the cooperation between government, banks, enterprises, and banks, comprehensively promote the linkage and cooperation of various lines and departments, gather the strength of agricultural and banking subsidiaries such as investment, wealth management, life insurance, and leasing, and gather greater and more energy to jointly serve the comprehensive revitalization of rural areas. As of the end of 2022, we have launched a special campaign with the All China Federation of Industry and Commerce to provide financial support to over 50000 rural private enterprises, with a credit balance of over 500 billion yuan. We have cooperated with all provincial-level agricultural companies to carry out business, with over 260000 loan households and a loan balance of 75.2 billion yuan, ranking among the top in the industry. The cumulative investment of Agricultural Bank of China in rural revitalization has exceeded 34.5 billion yuan, accounting for over 25% of the total investment scale. The scale of the series of products of Rural Revitalization Benefiting Farmers and common prosperity of Rural Bank of China Financial Management Co., Ltd., which is still in existence, totaled RMB 655 billion, up 59% from the end of last year.

农业银行坚持改革创新驱动，为乡村振兴金融服务提供有力支持保障。农行“十四五”规划中明确“服务乡村振兴的领军银行”战略定位，制定《农业银行“十四五”时期服务乡村振兴工作规划》，出台年度服务乡村振兴支持政策和工作要点，做好乡村振兴的统筹规划。单独安排信贷计划，倾斜配置业务资源，加快政策产品和服务模式创新，优先满足服务乡村振兴需要。通过加强县域支行领导班子建设和青年英才开发、加大县域员工招聘补充力度、倾斜培训资源、开展驻县帮镇扶村富民行动和“双百”干部人才结对帮扶计划等多种方式，多措并举培育建设“懂农业、爱农村、爱农民”的乡村振兴金融服务队伍。截至2022年末，农业银行“三农”专属信贷产品总数已达273项，其中当年创新推出54个；已派出4000余人赴地方政府挂职开展乡村振兴帮扶工作，其中160个国家乡村振兴重点帮扶县实现帮扶干部全覆盖。

Agricultural Bank of China adheres to the drive of reform and innovation, providing strong support and guarantee for financial services for rural revitalization. In the 14th Five Year Plan of Agricultural Bank of China, the strategic positioning of "serving as the leading bank for rural revitalization" is clearly defined. The "14th Five Year Plan of Agricultural Bank of China for Serving Rural Revitalization" is formulated, and annual support policies and key work points for rural revitalization are introduced. The overall planning for rural revitalization is done well. Separate credit plans will be arranged, business resources will be allocated in a more favorable manner, innovation in policy products and service models will be accelerated, and priority will be given to meeting the needs of serving rural revitalization. By strengthening the construction of county branch leadership teams and the development of young talents, increasing the recruitment and supplementation of county employees, tilting training resources, carrying out the "Double Hundred" cadre talent pairing assistance plan and other methods, we will take multiple measures to cultivate and build a rural revitalization financial service team that understands agriculture, loves rural areas, and farmers. As of the end of 2022, the total number of exclusive credit products for agriculture, rural areas, and farmers of Agricultural Bank of China has reached 273, of which 54 were innovatively launched that year; More than 4000 people have been dispatched to local governments for temporary employment to carry out rural revitalization and assistance work, with 160 national key rural revitalization assistance counties achieving full coverage of assistance cadres.