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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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国家金融监督管理总局办公厅关于扎实做好2025年“三农”金融工作的通知
[现行有效]
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【法宝引证码】
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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 | | 国家金融监督管理总局办公厅关于扎实做好2025年“三农”金融工作的通知 |
| (No. 44 [2025] of the General Office of the National Financial Regulatory Administration) | | （金办发〔2025〕44号） |
| 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: | | 各金融监管局，各政策性银行、大型银行、股份制银行，各保险集团（控股）公司、保险公司： |
| 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，银行业保险业要坚持以习近平新时代中国特色社会主义思想为指导，全面贯彻落实党的二十大和二十届二中、三中全会精神，深入贯彻落实中央经济工作会议、中央农村工作会议精神和《中共中央 国务院关于进一步深化农村改革 扎实推进乡村全面振兴的意见》有关工作部署，坚持农业农村优先发展，坚持深化改革，学习运用“千万工程”经验，持续提升金融服务“三农”质效，毫不松懈抓好金融支持巩固拓展脱贫攻坚成果各项工作。现就2025年有关工作事项通知如下： |
| I. Deepening Reforms of the Financial System and Mechanisms for Agriculture, Rural Areas, and Farmers | | 一、深化“三农”金融体制机制改革 |
| 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）健全层次分明、优势互补、有序竞争的农村金融服务机构体系。各银行业金融机构要立足主责主业，发挥自身优势特长，找准金融服务乡村振兴的发力点，积极发展农业供应链和产业链金融，拓展涉农“首贷户”，围绕农业强国建设和推进乡村全面振兴重点领域持续加大信贷投放。深化邮储银行代理网点改革，开展代理网点综合金融服务试点。发挥金融集团优势，为乡村振兴提供综合金融和融资融智等多样化服务。发挥金融资产投资公司股权投资试点和科技企业并购贷款试点作用，强化对农业科技创新的支持。加快农村信用社改革化险，稳妥有序推进村镇银行减量提质。 |
| 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）完善金融机构内部专营机制。银行机构要在涉农人员配置、信息化建设、费用安排等方面持续加大资源投入，合理确定普惠型涉农贷款内部资金转移定价，鼓励对农业关键核心技术、粮油种植等重点领域进一步给予优惠，做实做细不良容忍度、尽职免责等激励政策，持续完善“敢贷、愿贷、能贷、会贷”的长效机制。鼓励大型保险公司在资源配置、考核评价、统计核算、风险管理等方面向涉农保险予以倾斜。 |
| II. Continuously Strengthening Financial Support for Priority Areas of Agriculture, Rural Areas, and Farmers | | 二、持续增强“三农”重点领域金融供给 |
| 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）保障粮食等重要农产品金融供给。银行业保险业要大力支持粮油作物大面积单产提升行动，鼓励加大对粮食产能提升重点县的信贷投放，积极配合地方开展粮油种植专项贷款贴息试点。支持畜牧业稳定发展，助力肉牛、奶牛等产业纾困。进一步加大对生物育种、农机装备、智慧农业等领域的金融投入，促进农业新质生产力发展。加强多方联动，探索金融支持农田水利建设、盐碱地综合利用、农业防灾减灾的有效模式。支持发展设施农业、远洋养殖、“森林粮库”“菜篮子”工程，助力构建多元化食物供给体系。 |
| 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）促进县域富民产业发展。积极助力乡村产业提质升级，大力支持就业容量大、联农带农强的特色产业项目，促进富民产业发展，重点扶持特色农业、绿色农业、农产品精深加工、乡村文旅、农村物流体系建设、农村电商等新产业新业态，促进乡村产业数字化发展。支持民营企业参与乡村振兴。加大对农村集体经济组织、农业专业合作社、家庭农场、种植大户、新农人等群体的信贷保险支持，促进农民致富增收。 |
| 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）积极支持乡村建设。推动农业农村部门与金融机构探索建立乡村建设重大项目与贷款信息联动合作机制，加强政府数据与金融机构互联互通，积极有效扩大乡村投资。持续加大对乡村道路、医疗养老、物流通信、供水供电、清洁能源、人居环境整治等公共服务领域的金融支持。推动乡村全面振兴和新型城镇化有机结合，促进城乡基础设施、公共服务一体化。探索集体经营性建设用地入市的金融支持方式。 |
| III. Fully Advancing Financial Assistance Efforts | | 三、全力做好金融帮扶工作 |
| 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）切实巩固拓展脱贫攻坚成果。认真贯彻落实《中国银保监会办公厅关于印发支持国家乡村振兴重点帮扶县工作方案的通知》（银保监办发〔2021〕97号），支持重点帮扶县加大信贷投放、发展农业保险等。加大对易地扶贫搬迁集中安置区后续产业发展的金融支持力度，进一步提高集中安置区金融服务质量。认真落实大病保险、医疗救助等面向脱贫群众的优惠政策，规范开展防止返贫保险。 |
| ．．．．．． | | ．．．．．． |
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