The first year of the new beginning focuses on "agriculture, rural areas, and farmers"! Industrial Bank charts a new blueprint for comprehensive rural revitalization.

Spring returns to the earth, and everything is “plowing” anew. From the feed workshops in the northeast plains to the fishing ports on the Jiaodong Peninsula, from the smart greenhouses on the Yunnan-Guizhou Plateau to the agricultural assistance experimental fields in Minning Town, Ningxia, and to the fishermen’s homestays by the East China Sea, a vivid picture of thriving industries, beautiful villages, and prosperous farmers is gradually unfolding across the vast countryside.

In the first year of the new phase, we look at “agriculture, rural areas, and farmers.” The Central Document No. 1 of 2026 points out that agricultural and rural modernization relates to the overall situation and quality of Chinese-style modernization, and makes deployments around anchoring agricultural and rural modernization and solidly promoting comprehensive rural revitalization.

As a domestically systemically important bank, Industrial Bank is deeply practicing the political and people-oriented nature of financial work, taking serving rural revitalization as a major political task and a strategic development new space, leveraging its unique advantages, continuously innovating product services, and deepening service capabilities to guide more financial resources to flow into county economies and rural fertile lands. By the end of February 2026, Industrial Bank’s agricultural loans had increased by over 19 billion yuan compared to the beginning of the year, with a growth rate exceeding 3.5%.

Strengthening financial support across the entire chain to solidify the “ballast stone” for food security

During the spring plowing season, machines roar in the feed workshop of Daqing Hefeng Animal Husbandry, with bags of finished feed being produced and sent to nearby county livestock farms.

As a star enterprise in local agricultural industrialization, Hefeng Animal Husbandry connects farmers with the market, bearing the important function of ensuring upstream grain procurement and downstream livestock supply. With the accelerated development of animal husbandry in Heilongjiang, corporate orders have increased, but seasonal raw material procurement requires significant capital, and agricultural enterprises have limited collateral, making financing a temporary challenge.

The Harbin branch of Industrial Bank conducted in-depth on-site assessments to understand the needs and secured 10 million yuan in funding within two weeks to help the company lock in quality grain sources and ensure continuity in production.

Leading agricultural industrialization enterprises are the core force in building a modern agricultural industrial system and serve as important bridges for small farmers to integrate into modern agricultural development. Industrial Bank regards leading agricultural industrialization enterprises as key leverage points for serving rural revitalization, supporting enterprises to integrate the industrial chain, enhance the value chain, and smooth the supply chain, helping to achieve a virtuous cycle of “centering around a leading enterprise, establishing a production base, driving a county’s industry, and enriching local farmers.”

In February at Rongcheng Shidao Port, the sea breeze carried the salty aroma of the catch, and the seafood market was bustling with people and vehicles, busy with sorting, weighing, and loading. Rongcheng is rich in marine resources, with complete business forms such as deep-sea fishing, aquatic product processing, and cold chain circulation, making fisheries a highly representative pillar industry in the area.

Focusing on the characteristics of local marine fishery development, Industrial Bank provides differentiated support for leading enterprises, processing companies, and market vendors. During the Spring Festival of 2026, it successively provided loans of 14 million yuan to relevant enterprises and has cumulatively granted loans exceeding 200 million yuan to enterprises within the Rongcheng marine fishery industrial chain, embedding financial services deeper into key processes such as fishing, processing, and trading.

“Focusing on important agricultural product supply areas such as grain production, animal husbandry, and fishery, our bank continues to strengthen financial support across the entire chain to help stabilize production and supply and safeguard the bottom line of food security,” said a relevant person in charge of the rural revitalization department of Industrial Bank. By the end of February 2026, Industrial Bank’s loans in key grain areas had increased by over 2 billion yuan compared to the beginning of the year.

Empowering county-specific industries to make “local specialties” a driving force for income growth

Upon entering the modern greenhouse of Dali Chunyuyuan Agricultural Technology Co., Ltd., colorful cherry tomatoes hang from the branches. With 8 colors, 10 major categories, and over 200 products, this plateau greenhouse has gained significant recognition.

In January 2026, the Dali branch of Industrial Bank granted a 5 million yuan credit loan to the enterprise, specifically to support the expansion of planting production. This loan possesses multiple attributes such as inclusive, agricultural, technological, and green, providing effective support for the enterprise to develop modern facility agriculture and cultivate new agricultural productivity.

With the support of this loan, the enterprise has continuously expanded its planting scale, with products covering 34 provinces (autonomous regions and municipalities) across the country and being exported to Southeast Asian countries. As the industry continues to develop, local villagers also have more employment opportunities close to home. Currently, the enterprise has employed over 500 nearby villagers, increasing their annual income by 40,000 yuan per person.

It is reported that Industrial Bank tailors its services to local conditions, focusing on county-specific industrial chains, and innovatively creates a dedicated service model of “one county, one industry, one policy,” allowing financial resources to be precisely channeled into the fertile lands, helping to link and cluster local specialties into larger industries and inject strong momentum for the high-quality development of county economies.

In “China’s Mushroom Capital” Gutian, small mushrooms support a significant industry contributing to local income and wealth. From seed procurement, greenhouse maintenance, to production processing and sales circulation, every link in the industrial chain affects the production and management of mushroom farmers, cooperatives, and mushroom enterprises.

In response to these needs, the Ningde branch of Industrial Bank launched two credit loan products: “Xingsu Loan (specific to the Gutian mushroom industry)” and “Personal Business Loan (specific to edible mushrooms)” to serve various participants in the industrial chain in a convenient and efficient manner. By the end of 2025, loans of 382 million yuan had been granted to 211 customers, with financial resources penetrating the entire chain of seed research and development, planting, production processing, and sales circulation, continuously enhancing the “Gutian Silver Ear” brand.

Since launching the “Xing Baixian, Wang Baiye, Hui Qianqi” special action in August 2025, Industrial Bank has closely aligned with the agricultural resource endowments in various counties and promoted the “linking pearls into a chain” of industrial chains through diversified and relay-style services, advancing the development of characteristic agriculture towards scale, industrialization, and branding. So far, more than 110 county-specific industrial projects have been implemented.

Deepening collaboration and assistance to transform financial services from “blood transfusion” to “blood creation”

Minning Town is an important window for Minning cooperation. Over the years, funds, technologies, and concepts from the southeastern coastal areas have gathered here.

In 2018, an entrepreneur from Fuzhou came to invest in agricultural enterprises in Ningxia Minning Town, developing radish cultivation. As the business scale continued to expand, the Minning Microfinance Branch of Industrial Bank provided a loan of 7 million yuan to help stabilize production and expand operations.

Notably, in response to the enterprise’s transformation and upgrading needs, Industrial Bank also facilitated the introduction of agricultural technology resources from an enterprise founded by alumni of Xiamen University, introducing patented fertilizers and planting technologies, and establishing an “agricultural assistance experimental field” in Minning Town, promoting the enterprise’s transition from ordinary to organic cultivation, achieving a yield increase of 15% and doubling the planting scale. This agricultural enterprise founded by Min merchants in Ningxia has gradually developed over 5,000 acres of planting base, with products having an expanding market, driving stable income growth for surrounding farmers.

From merely solving financial difficulties to bringing in technology, channels, and resources, the focus of financial services is continuously extending. Today, over a thousand financial special commissioners from Industrial Bank are working year-round in county areas, entering workshops and fields to provide “financing + intelligence” comprehensive services to nearly a thousand enterprises, measuring demand with their steps and interpreting responsibility with professionalism.

In Sichuan’s Liangshan Zhaojue County, the “cliff village” was once widely known due to its dangerous transportation. High-quality products like highland sweet potatoes and Yi embroidery were once limited by access conditions and developmental foundations, so good products could not be transported out, and tourists could not come in.

“Having resources but lacking funds, having products but lacking sales channels” has become a long-standing reality faced by many businesses in Zhaojue County. Local villagers have good resources but find it difficult to convert them into tangible income.

Financial special commissioners from the Chengdu branch of Industrial Bank repeatedly climbed up steel ladders, visiting farmers during the day and working with colleagues on plans at night. In response to local pain points, they innovatively launched a “agricultural products + cultural tourism” integrated development model and issued a project loan of 170 million yuan to Zhaojue County for the construction of the “Zhaojue Cliff Village Sky Valley Project.”

As tourists come in and industries come alive, the “Sky Valley” project is accelerating the conversion of local resource advantages into development advantages. In 2025, Cliff Village received over 30,000 tourists, driving employment for 120 households in three surrounding villages, with total revenue exceeding 10 million yuan.

Activating new rural business formats to accelerate the transformation of beautiful scenery into good income

Located along the eastern coast of Zhejiang, Xiangshan is surrounded by the sea on three sides, with two ports embracing it, where mountains, seas, bays, islands, and beaches complement each other, creating a picturesque fishing village atmosphere. Relying on its unique marine resources and coastal tourism advantages, the homestay economy has gradually become an important component of new rural business formats.

As the number of tourists continues to rise year by year, coastal homestays have become one of the most vibrant characteristic industries in the area. In response to the light asset and distinct seasonality of the homestay economy, the Ningbo branch of Industrial Bank launched the “Homestay Loan” to support renovations, operations, and other purposes.

“After renovating the old house, there are more guests, and during holidays, it’s often hard to find a room.” After obtaining the loan, Ms. Li, the owner of a homestay in Shipu, Xiangshan, transformed her old house into a boutique homestay, leading to an increase in guests and a better business outlook. By the end of February 2026, Industrial Bank had issued over 8 million yuan in “Homestay Loans” in Xiangshan, providing loan support to 16 homestays and facilitating employment for 112 villagers nearby, while linking diverse business formats such as direct sales of agricultural products and fishing culture experiences.

In recent years, with the in-depth implementation of the rural revitalization strategy, new rural industries and business formats have been growing rapidly. Homestays, cultural tourism, and ecological leisure formats are continuously integrating, allowing more “sleeping resources” in rural areas to transform into capital for income growth, injecting strong momentum into comprehensive rural revitalization and opening up vast new spaces for financial services.

As the birthplace of the “Two Mountains” ideology, Yucun in Anji, Zhejiang, continues to explore green development, following a typical transformation trajectory from “mining village” to “ecological village, tourism village.” This village, once made barren by mountain mining and cement factories, has gradually embarked on a new path of ecological priority and green development after the closure of mines, environmental remediation, and transformation of development methods.

In support of the construction project for the 5A scenic area in the Bamboo Expo Park of Anji County, Industrial Bank issued a syndicated loan of 500 million yuan to provide financial support for scenic upgrades, watershed comprehensive governance, ecological restoration, and infrastructure improvement, helping the local area better transform ecological advantages into development advantages. With the vigorous development of new business formats such as homestays, camping, and coffee, the former ecological backdrop is continuously transforming into new business formats and new momentum for rural revitalization, further enhancing Industrial Bank’s reputation in green finance.

“Our bank will focus on the key tasks of comprehensive rural revitalization, promote product innovation, fund allocation, talent deployment, and technology outreach, continuously exploring effective financial service models for rural revitalization that are distinctive to Industrial Bank, and making greater contributions to advancing comprehensive rural revitalization and accelerating agricultural and rural modernization,” said a relevant person in charge of the rural revitalization department of Industrial Bank. By the end of 2025, Industrial Bank’s agricultural loans had exceeded 550 billion yuan.