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中國人民銀行 金融監管總局

中國證監會 財政部 農業農村部

關于開展學習運用“千萬工程”經驗加強金融支持鄉村全面振興專項行動的通知

為深入貫(guan)徹黨的(de)(de)(de)二(er)十(shi)大(da)和(he)二(er)十(shi)屆二(er)中(zhong)(zhong)(zhong)、三中(zhong)(zhong)(zhong)全(quan)會(hui)(hui)、中(zhong)(zhong)(zhong)央(yang)(yang)經濟工(gong)(gong)(gong)(gong)作(zuo)(zuo)會(hui)(hui)議(yi)、中(zhong)(zhong)(zhong)央(yang)(yang)金(jin)(jin)融(rong)工(gong)(gong)(gong)(gong)作(zuo)(zuo)會(hui)(hui)議(yi)、中(zhong)(zhong)(zhong)央(yang)(yang)農(nong)村(cun)工(gong)(gong)(gong)(gong)作(zuo)(zuo)會(hui)(hui)議(yi)精(jing)神(shen)，認真落實《中(zhong)(zhong)(zhong)共中(zhong)(zhong)(zhong)央(yang)(yang) 國(guo)務(wu)院關于學(xue)習運用(yong)“千村(cun)示范、萬(wan)村(cun)整治”工(gong)(gong)(gong)(gong)程(cheng)經驗(yan)有力(li)有效推(tui)進(jin)鄉村(cun)全(quan)面(mian)振興的(de)(de)(de)意見》部(bu)署，錨(mao)定建設(she)農(nong)業強(qiang)國(guo)目標(biao)，堅(jian)持黨中(zhong)(zhong)(zhong)央(yang)(yang)對金(jin)(jin)融(rong)工(gong)(gong)(gong)(gong)作(zuo)(zuo)的(de)(de)(de)集中(zhong)(zhong)(zhong)統一領(ling)(ling)導，學(xue)習運用(yong)“千萬(wan)工(gong)(gong)(gong)(gong)程(cheng)”蘊含的(de)(de)(de)發展理(li)念、工(gong)(gong)(gong)(gong)作(zuo)(zuo)方法(fa)和(he)推(tui)進(jin)機制(zhi)，緊扣鄉村(cun)全(quan)面(mian)振興的(de)(de)(de)重(zhong)點領(ling)(ling)域和(he)薄(bo)弱(ruo)環節，強(qiang)化(hua)金(jin)(jin)融(rong)要素保障，在加快農(nong)業農(nong)村(cun)現(xian)代化(hua)更(geng)好推(tui)進(jin)中(zhong)(zhong)(zhong)國(guo)式現(xian)代化(hua)中(zhong)(zhong)(zhong)發揮更(geng)大(da)作(zuo)(zuo)用(yong)，中(zhong)(zhong)(zhong)國(guo)人民銀(yin)行(xing)、金(jin)(jin)融(rong)監管總局、中(zhong)(zhong)(zhong)國(guo)證監會(hui)(hui)、財政部(bu)、農(nong)業農(nong)村(cun)部(bu)決(jue)定聯合開(kai)展學(xue)習運用(yong)“千萬(wan)工(gong)(gong)(gong)(gong)程(cheng)”經驗(yan)加強(qiang)金(jin)(jin)融(rong)支持鄉村(cun)全(quan)面(mian)振興專項行(xing)動。具體(ti)要求如下：

一、實施金融保障糧食安全專項行動

（一）強化(hua)糧(liang)(liang)食和重(zhong)(zhong)要農(nong)產(chan)(chan)(chan)(chan)品穩產(chan)(chan)(chan)(chan)保供(gong)金(jin)融(rong)支持。拓展糧(liang)(liang)食生(sheng)(sheng)產(chan)(chan)(chan)(chan)、流(liu)通、收儲(chu)、加工等全產(chan)(chan)(chan)(chan)業鏈金(jin)融(rong)服(fu)(fu)務(wu)場景，滿(man)足(zu)農(nong)業生(sheng)(sheng)產(chan)(chan)(chan)(chan)主體和農(nong)資(zi)企業多元化(hua)金(jin)融(rong)需(xu)求，促進糧(liang)(liang)食產(chan)(chan)(chan)(chan)能提升，助力構建多元化(hua)食物供(gong)給(gei)體系。針對(dui)生(sheng)(sheng)豬、奶(nai)類、牛羊肉生(sheng)(sheng)產(chan)(chan)(chan)(chan)和“菜籃子”產(chan)(chan)(chan)(chan)品應急(ji)保供(gong)、綠色農(nong)產(chan)(chan)(chan)(chan)品生(sheng)(sheng)產(chan)(chan)(chan)(chan)加工供(gong)應基地建設，拓寬貸(dai)款(kuan)抵(di)質押物范圍，擴(kuo)大信貸(dai)投(tou)放規(gui)模。聚焦(jiao)糧(liang)(liang)棉(mian)油(you)糖(tang)膠進出口(kou)業務(wu)重(zhong)(zhong)點企業群體，優化(hua)國際結算、貿易(yi)融(rong)資(zi)等金(jin)融(rong)服(fu)(fu)務(wu)，提升跨境投(tou)融(rong)資(zi)便利性，多渠道支持農(nong)業對(dui)外合(he)作(zuo)。

（二）加大高(gao)標準農(nong)田和(he)(he)設(she)(she)施(shi)農(nong)業(ye)(ye)建設(she)(she)金(jin)融(rong)支(zhi)持(chi)(chi)。圍繞高(gao)標準農(nong)田和(he)(he)設(she)(she)施(shi)農(nong)業(ye)(ye)建設(she)(she)融(rong)資模式創新(xin)，在依法合規、風險可控(kong)的(de)前提下(xia)，適當延長貸款期(qi)限。積(ji)極參與(yu)高(gao)標準農(nong)田和(he)(he)設(she)(she)施(shi)農(nong)業(ye)(ye)建設(she)(she)等涉農(nong)領域(yu)貸款貼息獎(jiang)補(bu)試點(dian)工(gong)作(zuo)。創新(xin)銀墾合作(zuo)場景和(he)(he)模式，支(zhi)持(chi)(chi)農(nong)墾奶(nai)源(yuan)基地、都市(shi)設(she)(she)施(shi)農(nong)業(ye)(ye)等設(she)(she)施(shi)農(nong)業(ye)(ye)建設(she)(she)。科學(xue)做好鹽堿地綜合利(li)用(yong)融(rong)資項目的(de)篩選和(he)(he)風險評估，明(ming)確合格承貸和(he)(he)實(shi)施(shi)主體(ti)，積(ji)極滿足金(jin)融(rong)需求。

（三）深(shen)化(hua)種(zhong)(zhong)業振興和農(nong)業科技(ji)金(jin)融(rong)(rong)服務。建立健(jian)全種(zhong)(zhong)業基地、種(zhong)(zhong)業陣型企業清單共享和融(rong)(rong)資(zi)監(jian)測機制。積極(ji)對(dui)接現(xian)代(dai)種(zhong)(zhong)業提升(sheng)工程(cheng)、國家南繁(fan)硅谷等(deng)(deng)重大建設(she)規劃和種(zhong)(zhong)源關鍵(jian)核心技(ji)術攻關、農(nong)業生(sheng)物育種(zhong)(zhong)重大項(xiang)目、育種(zhong)(zhong)聯合攻關等(deng)(deng)重大任務。創新植物新品種(zhong)(zhong)權、種(zhong)(zhong)子種(zhong)(zhong)畜禽(qin)等(deng)(deng)擔保方式，推出一批針對(dui)性強、惠及面(mian)廣的信(xin)貸產品。支持符(fu)合條件(jian)的種(zhong)(zhong)業企業上市(shi)、掛(gua)牌融(rong)(rong)資(zi)和再融(rong)(rong)資(zi)，開展投資(zi)并(bing)購和兼并(bing)重組，助(zhu)力提升(sheng)自主創新能力。聚(ju)焦農(nong)機裝備生(sheng)產、購置和使用需求，盤活“一大一小”農(nong)機具資(zi)產，通過(guo)貸款、租(zu)賃等(deng)(deng)方式支持農(nong)業現(xian)代(dai)化(hua)生(sheng)產。

二、實施鞏固拓展金融幫扶成效專項行動

（四）加大對國家(jia)鄉村振興重(zhong)點幫扶縣(xian)等重(zhong)點地區(qu)和脫(tuo)貧(pin)人口(kou)(kou)(kou)的(de)金(jin)融(rong)支持(chi)力(li)度(du)。繼(ji)續(xu)落實對重(zhong)點幫扶縣(xian)的(de)差異化金(jin)融(rong)支持(chi)政策，保持(chi)脫(tuo)貧(pin)地區(qu)信貸(dai)投放力(li)度(du)不(bu)減。為易地扶貧(pin)搬遷(qian)安置區(qu)群眾提(ti)供優質高效金(jin)融(rong)服務，積(ji)極滿足生(sheng)產生(sheng)活需要。優化金(jin)融(rong)聯(lian)農(nong)帶農(nong)舉措(cuo)，引導農(nong)村企(qi)業(ye)、幫扶車間吸納更多就(jiu)業(ye)，促進低收入(ru)人口(kou)(kou)(kou)持(chi)續(xu)增收。做(zuo)好(hao)脫(tuo)貧(pin)人口(kou)(kou)(kou)小額信貸(dai)質量監測和續(xu)貸(dai)展期(qi)管(guan)理。研究謀劃過渡(du)期(qi)結(jie)束后(hou)的(de)常態化金(jin)融(rong)幫扶機制。

（五）扎實做好(hao)定點幫(bang)(bang)扶工作。承擔定點幫(bang)(bang)扶任(ren)務的(de)金融(rong)機構要扛牢定點幫(bang)(bang)扶政治責任(ren)，立(li)足幫(bang)(bang)扶地區(qu)優(you)(you)勢特點和短(duan)板弱項，多形(xing)式(shi)開展(zhan)(zhan)消費幫(bang)(bang)扶、產業幫(bang)(bang)扶、人才(cai)幫(bang)(bang)扶等，優(you)(you)化幫(bang)(bang)扶資金管理(li)，做好(hao)落(luo)地實效跟蹤，促進結(jie)對關系(xi)更加緊密。強(qiang)化與幫(bang)(bang)扶地區(qu)規劃銜接，將金融(rong)系(xi)統渠道、資金、信息優(you)(you)勢與社(she)會服務機構的(de)科研、技術、人才(cai)優(you)(you)勢結(jie)合，探索推廣“組團式(shi)”幫(bang)(bang)扶。鼓勵把自身發(fa)展(zhan)(zhan)戰略與定點幫(bang)(bang)扶工作充分結(jie)合，將定點幫(bang)(bang)扶“責任(ren)田(tian)”打(da)造成(cheng)金融(rong)支(zhi)持鄉村振興“示范田(tian)”。

三、實施金融服務鄉村產業發展專項行動

（六）促進(jin)農村一二三(san)產(chan)業(ye)融(rong)合(he)發展(zhan)。綜合(he)運用信(xin)貸(dai)、債券(quan)、股權、租(zu)賃等多種融(rong)資渠道，助(zhu)力現代(dai)鄉(xiang)(xiang)村產(chan)業(ye)體系建設。因地(di)制(zhi)宜打造特(te)色化(hua)融(rong)資模式，支(zhi)持地(di)方(fang)發展(zhan)特(te)色產(chan)業(ye)和農產(chan)品加工業(ye)，打造鄉(xiang)(xiang)土特(te)色品牌。積極發展(zhan)地(di)方(fang)特(te)色農產(chan)品保(bao)險，鼓勵有條件的地(di)方(fang)因地(di)制(zhi)宜擴大保(bao)險服(fu)務(wu)覆蓋面。不斷(duan)優化(hua)“保(bao)險+期(qi)貨(huo)”業(ye)務(wu)模式，更好滿足農業(ye)風險管理(li)需求(qiu)。豐富生態旅(lv)游(you)、森林康(kang)養、休(xiu)閑露營等新業(ye)態金融(rong)服(fu)務(wu)場景，打造相匹配的信(xin)貸(dai)產(chan)品體系。

（七）助力(li)盤活農(nong)村(cun)(cun)資產(chan)資源。支(zhi)持有條件的地方(fang)推進農(nong)村(cun)(cun)承包土地經(jing)營權等農(nong)村(cun)(cun)產(chan)權抵質押貸(dai)款業(ye)(ye)務(wu)。用(yong)好動產(chan)融(rong)資統一(yi)登(deng)記(ji)公示系統，拓(tuo)寬生(sheng)物活體、養殖設施等抵質押物范(fan)圍，滿足新型農(nong)業(ye)(ye)經(jing)營主(zhu)體多樣化(hua)融(rong)資需求。落實(shi)深化(hua)集體林權制度改革方(fang)案(an)，完善(shan)林業(ye)(ye)金(jin)融(rong)服務(wu)體系，支(zhi)持金(jin)融(rong)機(ji)構增加林權抵押貸(dai)款和林業(ye)(ye)經(jing)營主(zhu)體中長(chang)期貸(dai)款投放，參與林業(ye)(ye)碳匯項目(mu)儲備和開發利(li)用(yong)。

（八）助推(tui)農村(cun)流(liu)(liu)(liu)(liu)通高質(zhi)量(liang)發(fa)展。在縣域(yu)商(shang)(shang)業“領跑縣”積極對接“縣域(yu)物流(liu)(liu)(liu)(liu)配(pei)(pei)送(song)中(zhong)心(xin)”、“鄉鎮商(shang)(shang)貿中(zhong)心(xin)”等新(xin)建(jian)改(gai)建(jian)項(xiang)(xiang)目(mu)的融(rong)資需求，支(zhi)持(chi)骨干冷鏈(lian)物流(liu)(liu)(liu)(liu)重點(dian)(dian)縣（重點(dian)(dian)市(shi)）、產地冷鏈(lian)集(ji)配(pei)(pei)中(zhong)心(xin)和縣域(yu)產地公共冷鏈(lian)物流(liu)(liu)(liu)(liu)設施等項(xiang)(xiang)目(mu)建(jian)設。挖掘農村(cun)地區快遞驛站、電(dian)商(shang)(shang)服務點(dian)(dian)等流(liu)(liu)(liu)(liu)通節點(dian)(dian)的數據要素作用，助推(tui)供應(ying)鏈(lian)資金流(liu)(liu)(liu)(liu)、商(shang)(shang)流(liu)(liu)(liu)(liu)、物流(liu)(liu)(liu)(liu)深度融(rong)合，創新(xin)授(shou)信評價體系，提(ti)高信貸(dai)服務效率。

（九）支(zhi)持(chi)(chi)農(nong)民(min)增收致富。加(jia)大(da)(da)創業擔保貸款(kuan)政(zheng)策實施力度，積(ji)極推(tui)廣(guang)(guang)線(xian)上審批(pi)，支(zhi)持(chi)(chi)金融(rong)機構推(tui)廣(guang)(guang)穩崗(gang)擴崗(gang)專項貸款(kuan)。鼓勵(li)在(zai)風險可(ke)控前(qian)提(ti)下，推(tui)廣(guang)(guang)“整村(cun)授信(xin)”等(deng)主動授信(xin)、批(pi)量授信(xin)業務(wu)模式，加(jia)大(da)(da)高素質農(nong)民(min)信(xin)貸支(zhi)持(chi)(chi)，擴大(da)(da)農(nong)戶小額信(xin)用貸款(kuan)投放，更好滿足農(nong)戶“短、小、頻、急”資金需求(qiu)。為農(nong)民(min)通過金融(rong)機構柜臺(tai)投資銀行間債(zhai)券市場高信(xin)用等(deng)級債(zhai)券提(ti)供服務(wu)，提(ti)高農(nong)村(cun)地(di)區購債(zhai)便(bian)利度。

四、實施金融支持鄉村建設專項行動

（十(shi)）加大農村人(ren)居(ju)環境整治(zhi)(zhi)和(he)(he)(he)生態(tai)文(wen)明(ming)建(jian)設金融支(zhi)持(chi)。主動(dong)對接(jie)各地(di)農村人(ren)居(ju)環境整治(zhi)(zhi)提(ti)(ti)升行動(dong)，及時響應信(xin)貸(dai)需(xu)求。聚焦農村廁所糞污和(he)(he)(he)生活污水垃圾(ji)治(zhi)(zhi)理、村容村貌提(ti)(ti)升等(deng)重點領(ling)域，開(kai)發(fa)人(ren)居(ju)環境貸(dai)款產品，支(zhi)持(chi)各地(di)將(jiang)符合(he)(he)(he)條件的項目(mu)打捆(kun)打包交由合(he)(he)(he)格主體實施(shi)，在(zai)收益自平衡和(he)(he)(he)經營(ying)可持(chi)續的前提(ti)(ti)下給予綜(zong)合(he)(he)(he)融資(zi)支(zhi)持(chi)。豐富綠色信(xin)貸(dai)產品體系，支(zhi)持(chi)荒(huang)漠(mo)化(hua)綜(zong)合(he)(he)(he)防(fang)治(zhi)(zhi)，助推“三北”等(deng)重點生態(tai)工(gong)程建(jian)設。

（十一）強化鄉(xiang)村(cun)(cun)(cun)基(ji)礎設(she)(she)(she)施建設(she)(she)(she)和公共(gong)服務設(she)(she)(she)施金融(rong)保障。鼓勵金融(rong)機構在項(xiang)(xiang)目(mu)規劃(hua)期主動提供(gong)(gong)融(rong)資(zi)方案，創新(xin)(xin)政銀企(qi)村(cun)(cun)(cun)民(min)合(he)作方式(shi)，更好支(zhi)持農(nong)(nong)村(cun)(cun)(cun)供(gong)(gong)水工程體(ti)系、農(nong)(nong)村(cun)(cun)(cun)電網鞏固提升、鄉(xiang)村(cun)(cun)(cun)道路、燃氣下(xia)鄉(xiang)、農(nong)(nong)村(cun)(cun)(cun)寄遞物流體(ti)系、智慧村(cun)(cun)(cun)莊、鄉(xiang)村(cun)(cun)(cun)民(min)宿、農(nong)(nong)村(cun)(cun)(cun)養老等(deng)重大項(xiang)(xiang)目(mu)建設(she)(she)(she)。加大對(dui)農(nong)(nong)村(cun)(cun)(cun)地區分布式(shi)新(xin)(xin)能(neng)源、重點村(cun)(cun)(cun)鎮新(xin)(xin)能(neng)源汽(qi)車充換電設(she)(she)(she)施等(deng)項(xiang)(xiang)目(mu)建設(she)(she)(she)的金融(rong)支(zhi)持力度。鼓勵以縣(xian)為單位開展金融(rong)支(zhi)持鄉(xiang)村(cun)(cun)(cun)建設(she)(she)(she)試點，探(tan)索農(nong)(nong)村(cun)(cun)(cun)基(ji)礎設(she)(she)(she)施信貸模式(shi)和金融(rong)產品。

（十二）支持(chi)縣域城鄉(xiang)融(rong)(rong)合發展。引導符(fu)合條件的主體通過發行公(gong)司信用類債券(quan)和(he)資產(chan)支持(chi)證券(quan)等(deng)(deng)工具，拓寬市政公(gong)用設施延伸、城鄉(xiang)道(dao)路客(ke)運一體化(hua)發展等(deng)(deng)新型(xing)城鎮化(hua)領域的資金(jin)來源。探索集體經營性(xing)(xing)建設用地入市的金(jin)融(rong)(rong)支持(chi)方(fang)式，服務縣域城鄉(xiang)融(rong)(rong)合發展。結合新一輪農(nong)業(ye)轉移人口市民(min)化(hua)行動，加大(da)對保障性(xing)(xing)住房(fang)建設、城中(zhong)村改造的金(jin)融(rong)(rong)保障，積(ji)極滿足農(nong)村轉移人口就業(ye)、住房(fang)、創(chuang)業(ye)、教育(yu)、醫療、養老等(deng)(deng)金(jin)融(rong)(rong)需求。

五、實施金融賦能鄉村(cun)治理專項行動

（十(shi)三）金融(rong)賦能鄉村文明(ming)善治(zhi)。持(chi)續創新金融(rong)支持(chi)農文旅(lv)融(rong)合(he)模式，開(kai)展文旅(lv)知(zhi)識產(chan)權(quan)、景區收益權(quan)等抵(di)質(zhi)押融(rong)資，盤活農業文化遺產(chan)、農村非物質(zhi)文化遺產(chan)等文化資源，支持(chi)村跑、村超、村晚等特色農村文體活動。將金融(rong)服務與弘揚(yang)和培育良好家風鄉風相(xiang)融(rong)合(he)，探索將村民“無(wu)形”信(xin)用(yong)資產(chan)轉化為“有形”信(xin)貸(dai)資金。

（十四(si)）支持數(shu)字鄉(xiang)村(cun)(cun)(cun)建設。建立健全鄉(xiang)村(cun)(cun)(cun)振興領域數(shu)字一(yi)(yi)體(ti)(ti)(ti)化平臺(tai)，實現農業農村(cun)(cun)(cun)重大項目、農業生產(chan)經(jing)營、農村(cun)(cun)(cun)社會管理等涉(she)農信息整合，集(ji)成支付業務、農村(cun)(cun)(cun)信用(yong)體(ti)(ti)(ti)系建設等功能(neng)，打造金融(rong)“一(yi)(yi)件事一(yi)(yi)次辦”綜(zong)合應(ying)用(yong)場景。鼓勵金融(rong)機(ji)構為縣鄉(xiang)（鎮(zhen)）政府、村(cun)(cun)(cun)兩委(wei)及各類涉(she)農主體(ti)(ti)(ti)，提供(gong)數(shu)字化管理工(gong)具，賦能(neng)鄉(xiang)村(cun)(cun)(cun)治理。

（十五）強化(hua)農村(cun)基礎金(jin)(jin)融(rong)(rong)服(fu)務(wu)。引導金(jin)(jin)融(rong)(rong)機(ji)構優(you)化(hua)普惠金(jin)(jin)融(rong)(rong)服(fu)務(wu)點建設，積極開(kai)展農民金(jin)(jin)融(rong)(rong)素養(yang)提升、反假人民幣宣傳等(deng)活動(dong)。持續拓展數字支(zhi)(zhi)付(fu)(fu)場(chang)景，推動(dong)移動(dong)支(zhi)(zhi)付(fu)(fu)向縣域鄉村(cun)下(xia)沉。規范(fan)發展助農取(qu)款服(fu)務(wu)點，提升農村(cun)支(zhi)(zhi)付(fu)(fu)服(fu)務(wu)水平。完善農業(ye)信(xin)(xin)(xin)貸直通車服(fu)務(wu)，加(jia)強金(jin)(jin)融(rong)(rong)信(xin)(xin)(xin)用(yong)信(xin)(xin)(xin)息(xi)(xi)基礎數據庫等(deng)平臺(tai)的(de)協作，深化(hua)涉(she)農經營(ying)主(zhu)體(ti)信(xin)(xin)(xin)息(xi)(xi)在金(jin)(jin)融(rong)(rong)領域的(de)共享應(ying)用(yong)，幫(bang)助金(jin)(jin)融(rong)(rong)機(ji)構提升客戶(hu)識別、風險防范(fan)和產品(pin)創(chuang)新(xin)能力(li)。

六、政策保障和組織推動

（十(shi)六）強化(hua)貨(huo)幣(bi)政(zheng)策(ce)工具(ju)支(zhi)持。充分(fen)發揮支(zhi)農(nong)支(zhi)小再(zai)貸(dai)款、再(zai)貼現、科技(ji)(ji)創新和(he)技(ji)(ji)術改造再(zai)貸(dai)款等貨(huo)幣(bi)政(zheng)策(ce)工具(ju)的激勵(li)作用(yong)，引導信貸(dai)業(ye)務(wu)以縣域(yu)為主的金融機構積極支(zhi)持鄉村振(zhen)(zhen)(zhen)興(xing)。鼓勵(li)金融機構發行“三農(nong)”、小微(wei)、綠色等金融債券，支(zhi)持符(fu)合條件的涉農(nong)企(qi)業(ye)發行資(zi)產支(zhi)持證券、鄉村振(zhen)(zhen)(zhen)興(xing)票據(ju)、鄉村振(zhen)(zhen)(zhen)興(xing)公(gong)司債券等融資(zi)工具(ju)，持續加大對鄉村振(zhen)(zhen)(zhen)興(xing)重點領域(yu)的資(zi)金投入。

（十七）加(jia)強產業、財政(zheng)、金融(rong)(rong)政(zheng)策(ce)協同。優(you)化融(rong)(rong)資項目庫對(dui)接服(fu)務，暢通“清(qing)單(dan)推送—精準對(dui)接—實(shi)時(shi)反饋—監測督導”的政(zheng)銀企融(rong)(rong)資對(dui)接服(fu)務鏈條，助推信(xin)貸政(zheng)策(ce)精準落(luo)地。多措并舉(ju)激發(fa)金融(rong)(rong)機(ji)構(gou)服(fu)務鄉村(cun)全面振興的積極性和(he)(he)主(zhu)動性。推動政(zheng)府性融(rong)(rong)資擔(dan)保機(ji)構(gou)聚焦(jiao)小微(wei)和(he)(he)“三農”主(zhu)體，切實(shi)發(fa)揮融(rong)(rong)資增(zeng)信(xin)和(he)(he)風險(xian)分擔(dan)作用。

（十八）優化金(jin)(jin)(jin)融(rong)(rong)服(fu)務(wu)機(ji)制(zhi)。大中型銀(yin)行要完(wan)善“三(san)農(nong)”金(jin)(jin)(jin)融(rong)(rong)服(fu)務(wu)專(zhuan)業化工(gong)作機(ji)制(zhi)，借(jie)助自身資金(jin)(jin)(jin)優勢、科技(ji)優勢，在依法合規、風險可(ke)控的(de)前(qian)提下，適度下放(fang)產(chan)品創新權限，推(tui)出更多(duo)服(fu)務(wu)縣域(yu)金(jin)(jin)(jin)融(rong)(rong)產(chan)品，在授信審批、內部資金(jin)(jin)(jin)轉移(yi)定(ding)價、人(ren)員配置等方面向縣域(yu)支行傾斜。農(nong)村(cun)中小(xiao)銀(yin)行機(ji)構(gou)要進一(yi)步(bu)突出支農(nong)支小(xiao)定(ding)位，充(chong)分發揮人(ren)緣地(di)緣優勢，更好滿(man)足各類涉農(nong)主體生產(chan)經營、農(nong)戶消(xiao)費(fei)等金(jin)(jin)(jin)融(rong)(rong)需(xu)求。分省分類推(tui)進農(nong)村(cun)信用(yong)社(she)改(gai)革化險，提升農(nong)村(cun)金(jin)(jin)(jin)融(rong)(rong)機(ji)構(gou)規范化水平和可(ke)持續發展能力。深化實施金(jin)(jin)(jin)融(rong)(rong)科技(ji)賦能鄉(xiang)村(cun)振興示范工(gong)程，推(tui)動涉農(nong)金(jin)(jin)(jin)融(rong)(rong)產(chan)品、服(fu)務(wu)渠道、業務(wu)流程數字(zi)化升級。

（十九）做好宣傳推(tui)廣(guang)(guang)和監(jian)測評估(gu)工作。及時總結金融服(fu)務鄉(xiang)村(cun)全面(mian)(mian)振(zhen)(zhen)興(xing)的(de)創新做法(fa)、典型經驗，充分利用各類(lei)媒體(ti)平臺加強宣傳推(tui)廣(guang)(guang)，營(ying)造(zao)金融支(zhi)持(chi)鄉(xiang)村(cun)全面(mian)(mian)振(zhen)(zhen)興(xing)的(de)濃厚氛圍。明確鄉(xiang)村(cun)全面(mian)(mian)振(zhen)(zhen)興(xing)貸(dai)(dai)款(kuan)的(de)業務范疇，支(zhi)持(chi)建(jian)立健全鄉(xiang)村(cun)全面(mian)(mian)振(zhen)(zhen)興(xing)貸(dai)(dai)款(kuan)監(jian)測體(ti)系，全面(mian)(mian)反映金融支(zhi)持(chi)成(cheng)效。做好涉農(nong)貸(dai)(dai)款(kuan)統(tong)(tong)計制(zhi)度調整后(hou)的(de)統(tong)(tong)計分析，開展糧(liang)食和農(nong)產品貸(dai)(dai)款(kuan)、種(zhong)業振(zhen)(zhen)興(xing)貸(dai)(dai)款(kuan)等(deng)重點(dian)領(ling)域統(tong)(tong)計。優化(hua)鄉(xiang)村(cun)振(zhen)(zhen)興(xing)金融服(fu)務考核(he)評估(gu)，強化(hua)評估(gu)結果共(gong)享(xiang)運用。