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Notice by the General Office of the National Financial Regulatory Administration of Effectively Advancing Financial Services for Agriculture, rural areas, and rural residents in 2025
[Effective]
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國家金融監督管理總局辦公廳關于扎實做好2025年“三農”金融工作的通知
[現行有效]
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【法寶引證碼】
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| Notice by the General Office of the National Financial Regulatory Administration of Effectively Advancing Financial Services for Agriculture, rural areas, and rural residents in 2025 | | 國家金融監督管理總局辦公廳關于扎實做好2025年“三農”金融工作的通知 |
| (No. 44 [2025] of the General Office of the National Financial Regulatory Administration) | | （金辦發〔2025〕44號） |
| All local offices of the National Financial Regulatory Administration; policy banks, large banks, and joint-stock banks; and insurance group (holding) companies and insurance companies: | | 各金融監管局，各政策性銀行、大型銀行、股份制銀行，各保險集團（控股）公司、保險公司： |
| In 2025, the banking and insurance sectors shall adhere to the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, fully implement the guiding principles of the 20th CPC National Congress and the Second and Third Plenary Sessions of the CPC 20th Central Committee, strictly follow the decisions of the Central Economic Work Conference and the Central Rural Work Conference, and carry out the work arrangements set forth in the Opinions of the Central Committee of the CPC and the State Council on Further Deepening the Rural Reform and Making Solid Progress in Promoting Comprehensive Rural Revitalization. The two sectors shall prioritize agricultural and rural development, continue to deepen reforms, learn from and apply the experience of the Green Rural Revival Program in Zhejiang Province, continuously enhance the quality and efficiency of financial services for agriculture, rural areas, and rural residents, and relentlessly strengthen financial support for consolidating and expanding the achievements in poverty alleviation. The relevant work arrangements for 2025 are hereby notified as follows: | | 2025年，銀行業保險業要堅持以習近平新時代中國特色社會主義思想為指導，全面貫徹落實黨的二十大和二十屆二中、三中全會精神，深入貫徹落實中央經濟工作會議、中央農村工作會議精神和《中共中央 國務院關于進一步深化農村改革 扎實推進鄉村全面振興的意見》有關工作部署，堅持農業農村優先發展，堅持深化改革，學習運用“千萬工程”經驗，持續提升金融服務“三農”質效，毫不松懈抓好金融支持鞏固拓展脫貧攻堅成果各項工作。現就2025年有關工作事項通知如下： |
| I. Deepening Reforms of the Financial System and Mechanisms for Agriculture, Rural Areas, and Farmers | | 一、深化“三農”金融體制機制改革 |
| 1. Establishing a tiered, mutually-reinforcing, and competitively-balanced rural financial service system. All banking institutions shall fully leverage their primary operational responsibilities and core business competencies, as well as their comparative advantages and specialized strengths, to identify precise focal points for financial services in rural revitalization, vigorously develop agricultural supply chain financing and agribusiness supply chain financing, expand the coverage of first-time rural borrowers (also known as "first-loan recipients"), and sustain credit allocation to key sectors in building China into an agricultural powerhouse and advancing comprehensive rural revitalization. The reform of agency outlets under the Postal Savings Bank of China shall be deepened, and pilot programs shall be launched to deliver comprehensive financial services. Financial conglomerates shall leverage their group-wide strengths to deliver diversified services for rural revitalization, including integrated financial solutions and financing and advisory services. The pilot programs for equity investments by financial asset investment companies and for merger and acquisition loans to agritech enterprises shall be leveraged to reinforce support for agricultural technological innovation. The restructuring and risk resolution of rural credit cooperatives shall be expedited, and the reduction in quantity and enhancement in quality of village and township banks shall be promoted in a prudent and orderly manner. | | （一）健全層次分明、優勢互補、有序競爭的農村金融服務機構體系。各銀行業金融機構要立足主責主業，發揮自身優勢特長，找準金融服務鄉村振興的發力點，積極發展農業供應鏈和產業鏈金融，拓展涉農“首貸戶”，圍繞農業強國建設和推進鄉村全面振興重點領域持續加大信貸投放。深化郵儲銀行代理網點改革，開展代理網點綜合金融服務試點。發揮金融集團優勢，為鄉村振興提供綜合金融和融資融智等多樣化服務。發揮金融資產投資公司股權投資試點和科技企業并購貸款試點作用，強化對農業科技創新的支持。加快農村信用社改革化險，穩妥有序推進村鎮銀行減量提質。 |
| 2. Improving internal specialized business mechanisms of financial institutions. Banking institutions shall continuously increase resource allocation for agricultural services, particularly in personnel deployment, IT infrastructure, and expense arrangements, and shall reasonably determine internal fund transfer pricing for inclusive agricultural loans. Preferential support shall be strengthened for key fields including agricultural core technologies and grain and oil crop cultivation. The long-term mechanism enabling "proactive willingness to lend, willingness to lend, institutional capacity to lend, and professional competence in lending" shall be continuously enhanced, and policies on non-performing loan tolerance and duty-of-care liability exemptions shall be refined through comprehensive implementation. Large insurance companies shall be encouraged to prioritize agricultural insurance in resource allocation, performance evaluation, statistical accounting, and risk management. | | （二）完善金融機構內部專營機制。銀行機構要在涉農人員配置、信息化建設、費用安排等方面持續加大資源投入，合理確定普惠型涉農貸款內部資金轉移定價，鼓勵對農業關鍵核心技術、糧油種植等重點領域進一步給予優惠，做實做細不良容忍度、盡職免責等激勵政策，持續完善“敢貸、愿貸、能貸、會貸”的長效機制。鼓勵大型保險公司在資源配置、考核評價、統計核算、風險管理等方面向涉農保險予以傾斜。 |
| II. Continuously Strengthening Financial Support for Priority Areas of Agriculture, Rural Areas, and Farmers | | 二、持續增強“三農”重點領域金融供給 |
| 3. Ensuring financial support for grain and other major agricultural products. The banking and insurance sectors shall vigorously support the large-scale initiative to increase per-unit yields of major grain and oil crops. They shall be encouraged to expand credit supply to key counties for grain production capacity enhancement and actively collaborate with local governments in piloting special discounted loans for grain and oil cultivation. The stable development of animal husbandry shall be supported to alleviate difficulties in industries such as the beef cattle industry and the dairy cattle industry. Financial investment shall be further increased in biotechnological breeding, agricultural machinery, and smart agriculture to foster new productive forces in agriculture. Multi-party collaboration shall be strengthened to explore effective financial models for supporting farmland water conservancy, saline-alkali land utilization, and agricultural disaster prevention and mitigation. Support shall be provided for facility agriculture, deep-sea aquaculture, "forest granaries," and the "vegetable basket" project to help build a diversified food supply system. | | （三）保障糧食等重要農產品金融供給。銀行業保險業要大力支持糧油作物大面積單產提升行動，鼓勵加大對糧食產能提升重點縣的信貸投放，積極配合地方開展糧油種植專項貸款貼息試點。支持畜牧業穩定發展，助力肉牛、奶牛等產業紓困。進一步加大對生物育種、農機裝備、智慧農業等領域的金融投入，促進農業新質生產力發展。加強多方聯動，探索金融支持農田水利建設、鹽堿地綜合利用、農業防災減災的有效模式。支持發展設施農業、遠洋養殖、“森林糧庫”“菜籃子”工程，助力構建多元化食物供給體系。 |
| 4. Promoting county-level wealth-generating industries. The upgrading and quality improvement of rural industries shall be vigorously promoted. Strong support shall be provided for distinctive industrial projects featuring large employment capacity and strong linkages with farmers. The development of wealth-generating industries shall be advanced, with a focus on supporting specialty agriculture, green agriculture, deep processing of agricultural products, rural tourism, rural logistics infrastructure, rural e-commerce, and other emerging industries and business models, thereby facilitating the digital transformation of rural industries. Private enterprises shall be encouraged to participate in rural revitalization. Credit and insurance support shall be increased for rural collective economic organizations, agricultural cooperatives, family farms, large-scale growers, and new-generation farmers to boost rural income growth. | | （四）促進縣域富民產業發展。積極助力鄉村產業提質升級，大力支持就業容量大、聯農帶農強的特色產業項目，促進富民產業發展，重點扶持特色農業、綠色農業、農產品精深加工、鄉村文旅、農村物流體系建設、農村電商等新產業新業態，促進鄉村產業數字化發展。支持民營企業參與鄉村振興。加大對農村集體經濟組織、農業專業合作社、家庭農場、種植大戶、新農人等群體的信貸保險支持，促進農民致富增收。 |
| 5. Actively supporting rural development. Collaboration between agricultural and rural departments and financial institutions shall be promoted to explore the establishment of a linkage mechanism for major rural development projects and related loan information. Government data interconnection and sharing with financial institutions shall be strengthened to effectively expand rural investment. Greater and continuous financial support shall be provided for public services, including rural roads, healthcare and elderly care, logistics and telecommunications, water and electricity supply, clean energy, and rural living environment improvement. The comprehensive revitalization of rural areas and new urbanization shall be promoted in an integrated manner to advance infrastructure and public service integration in urban and rural areas. Financial support models for the market entry of collectively owned construction land for business purposes shall be explored. | | （五）積極支持鄉村建設。推動農業農村部門與金融機構探索建立鄉村建設重大項目與貸款信息聯動合作機制，加強政府數據與金融機構互聯互通，積極有效擴大鄉村投資。持續加大對鄉村道路、醫療養老、物流通信、供水供電、清潔能源、人居環境整治等公共服務領域的金融支持。推動鄉村全面振興和新型城鎮化有機結合，促進城鄉基礎設施、公共服務一體化。探索集體經營性建設用地入市的金融支持方式。 |
| III. Fully Advancing Financial Assistance Efforts | | 三、全力做好金融幫扶工作 |
| 6. Consolidating and expanding achievements in poverty alleviation. The Notice by the General Office of the China Banking and Insurance Regulatory Commission of Issuing the Work Plan for Supporting the Key Counties Designated by the State for Receiving Assistance for the Rural Revitalization (No. 97 [2021], General Office of the CBIRC) shall be earnestly implemented, and support shall be provided for key counties receiving rural revitalization assistance to increase credit supply and develop agriculture insurance. Financial support for post-relocation industries in concentrated resettlement areas shall be intensified, and financial service quality in such areas shall be further improved. Preferential policies for individuals lifted out of poverty, covering serious illness insurance and medical aid, shall be strictly implemented, and insurance for preventing people from returning to poverty shall be carried out in a standardized manner. | | （六）切實鞏固拓展脫貧攻堅成果。認真貫徹落實《中國銀保監會辦公廳關于印發支持國家鄉村振興重點幫扶縣工作方案的通知》（銀保監辦發〔2021〕97號），支持重點幫扶縣加大信貸投放、發展農業保險等。加大對易地扶貧搬遷集中安置區后續產業發展的金融支持力度，進一步提高集中安置區金融服務質量。認真落實大病保險、醫療救助等面向脫貧群眾的優惠政策，規范開展防止返貧保險。 |
| ．．．．．． | | ．．．．．． |
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