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  4月19日,贵州省黔东南苗族侗族自治州黎平县肇兴侗寨一年一度的“谷雨节”系列活动举行,吸引八方游客前来参与。“谷雨节”在侗语中意为吃乌米、播稻种,是侗族民众在千百年的生息繁衍中对传统农耕文化与婚恋习俗的寓意体现。(袁超瞿宏伦龙建睿)

  中国人民银行最新发布的数据显示,截至2025年3月末,全国涉农贷款余额51.87万亿元,同比增长8.9%。各地金融机构聚焦春耕需求,从优化服务流程到创新金融产品,全力保障春耕春管顺利推进。

  眼下,辽宁各地进入春耕备耕关键时期。薛莹是海城市耿庄镇上知名的种植大户,今年他计划把水稻和玉米种植总面积扩展到4000亩。对于薛莹这样的种植大户而言,常规的小额贷款难以满足资金需求。了解情况后,当地农商行主动上门,为薛莹制定贷款方案。

  辽宁农商银行海城耿庄支行行长李兴宝:我们实地调研完,会拿着他的土地合同,跟村里进行核实,核实他的种植规模。然后我们就会回去进行系统测算,授信金额是有多少,能不能满足他的需求。

  通过系统评估测算后,银行为他发放了一笔170万元的纯信用贷款,从申请贷款到放款,只用了三天的时间。这笔资金让薛莹吃了一颗“定心丸”,对今年的收成也有了底气。

  海城市耿庄镇薛家村村民薛莹:我现在还缺百分之三四十的货,化肥、农药、种子,这三四天把剩下的部分进完。不能耽误春耕,顺顺利利把地种完整、种好。

  据了解,当地金融机构推出的无抵押“金信种植贷”产品,最高授信额度可达300万元,有效解决了当地农户在春耕备耕阶段的大额资金难题。

  辽宁农商银行海城支行副行长孙忠旭:符合条件的农户,最多三个工作日完成放款,打通了金融“最后一公里”。

  创新金融产品赋能智慧春耕

  随着现代农业的发展,盘旋在田间地头上空的农业无人机越来越多了。对此,金融机构也创新服务模式,推出科技味十足的“飞手贷”等产品,让农户更轻松地享受科技发展带来的便利。

  腾空、起飞,每秒飞行13.8米,1分钟撒肥100斤,在江苏南通通州的志友家庭农场,一架崭新的无人植保机,正在麦田间来回穿梭,科技范儿十足。农场负责人告诉记者,无人植保机作业效率比人工提高几十倍,既高效还节约环保,不少农户都想购置,但资金却成了大问题。

  针对购买无人机的农户,农业银行基于飞行数据,推出高额度、低利率的“飞手贷”,全流程线上审批,从申请到放款最快只需要5分钟,让更多农户在春耕备耕期间享受到科技便利。

  江苏南通通州区石港镇家庭农场主吴志友:机械现在都要钱,我们农资、人工费用,还有农产品不一定收上来马上就卖掉,他们贷款帮我们解决好多问题。

  记者了解到,如今智慧农业已成为春耕春种的新趋势,针对这一新资金需求,金融机构专门出台了创新的金融服务方案。

  中国农业银行乡村振兴金融部副总经理孙立刚:今年以来,已投放春耕备耕贷款超过2000亿元,资金主要投向了粮食和重要农产品保供、高标准农田建设、种业振兴、农机装备等重点领域。

  “移动柜台”跑田间解春耕“急难愁”

  春耕资金需求有着“短、频、急”的特点,在春耕一线,还有一些机构将“移动柜台”搬到田间,开辟绿色通道,为春耕信贷审批按下“快进键”。

  在河北邯郸,传统金融机构和合作金融科技公司合作,聘用熟悉当地情况的村民作为线下业务员,深入村庄院落、田间地头,主动摸排农户资金需求,让金融服务精准触达真正有需要的农户。实现24小时在线服务,当天放款。

  邯郸市曲周县农户曹维斌:比如说买化肥,雇农机、浇地,一时没那么多钱,我算了一下,里外里还差五六万块钱。上午打电话,下午业务员就过来了,下款也挺快。

  在四川省眉山,当地金融机构提前筛选农户名单,对全县363个村(社区)开展大走访活动,掌握农户备耕中的资金需求。仁寿县方家镇的这家专业合作社,今年春耕播种了260亩玉米。由于地处丘陵,需要用滴灌设备灌溉,但安装费用让刚成立的专业合作社犯了难。银行在走访中主动为合作社办理了一笔120万元的贷款。

  仁寿农创劳务专业合作社负责人李诘:这笔贷款解决了我们的燃眉之急,如果没有滴灌,我们一季玉米需要15个人,分6次浇水,每次要花6天,现在一个开关就能解决。

  当地金融机构还成立“春耕服务专班”,为每一户建立专属的“一户一策”服务台账。推出“惠集贷”“小额农贷”等多样化信贷产品,确保资金能够精准、快速地直达春耕生产一线。

  仁寿农商银行副行长郑浩楠:我行开展“送贷上门”服务,让农户足不出户即可完成贷款申请和资金支取,支持范围覆盖了粮食种植、蔬菜生产、农资供应等多个领域。(来源:央视新闻客户端) 武大华科女生聊天记录:探索其文化影响力与未来发展方向的相关文章 小学生看了两眼发现罂粟的相关文章
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