Industrial Bank: Financial Spring Rain Nourishes the Fertile Land, Drawing a New Picture of Rural Revitalization

（Source: Economic Information Daily）

As spring returns and the land awakens, all things are “cultivated” anew. From feed production workshops on the Northeast Plain to fishing-port docks on the Jiaodong Peninsula, from smart greenhouses on the Yunnan–Guizhou Plateau to demonstration plots in the Ningxia Minning area that support farmers, and to fishermen’s guesthouses along the East China Sea coast—vivid scenes of flourishing industries, beautiful countryside, and prosperity for farmers are gradually unfolding across the vast rural landscape.

In the opening year, look at “agriculture, rural areas, and farmers.” The 2026 No. 1 Central Document states that agricultural and rural modernization concerns the overall picture and the substance of Chinese-style modernization, and it outlines plans to anchor agricultural and rural modernization and solidly promote comprehensive rural revitalization.

As a domestic systemically important bank, Industrial Bank deeply practices the political nature and the people-centered character of financial work. It treats serving rural revitalization as a major political task and a strategic space for development, leverages its own distinctive strengths, continuously innovates products and services, and strengthens service capabilities at the grassroots level—guiding more financial liquidity to county-level economies and the fertile land of rural areas. As of the end of February 2026, Industrial Bank’s agricultural-related loans had increased by over RMB 19 billion compared with the beginning of the year, with a growth rate of more than 3.5%.

Strengthen full-chain financial support
Build a “keystone” for food security

During the spring farming season, in the feed production workshop of Daqing Hefeng Animal Husbandry, machines roar as bag after bag of finished feed rolls off the line to be shipped to livestock farms in surrounding counties and cities.

As a local standout company in agricultural industrialization, Hefeng Animal Husbandry connects farmers on one side and the market on the other, playing an important role in ensuring the procurement of upstream grain supplies and downstream livestock supply. With Heilongjiang’s animal husbandry developing faster, the company’s orders are growing; however, seasonal raw-material procurement requires large amounts of capital, and agricultural enterprises have limited collateral, making financing a difficult problem—for the moment.

Industrial Bank’s Harbin branch goes deep into the front lines of production to investigate and match demand, and within two weeks, it disbursed RMB 10 million to help the company lock in high-quality grain sources and ensure continuity of production.

Leading enterprises in agricultural industrialization are a core force for building modern agricultural industry systems, and an important bridge that helps small farmers integrate into modern agriculture. Industrial Bank takes leading enterprises in agricultural industrialization as an important lever for serving rural revitalization, supports these companies in integrating industrial chains, upgrading value chains, and opening up supply chains, helping achieve a “virtuous cycle centered on one leading enterprise—building a production base—driving an industry within one county—helping local farmers and residents become better off.”

In February, at Rongcheng Shidao Port, the salty scent of the day’s catch is carried on the sea breeze. In the seafood market, people and vehicles come and go; sorting, weighing, and loading onto trucks are all in busy motion. Rongcheng boasts abundant marine resources. Ocean-going fishing, aquatic product processing, cold-chain distribution, and other business segments are well developed. The fisheries industry is a prominent pillar industry locally.

Based on the local development characteristics of marine fisheries, Industrial Bank provides differentiated support for leading enterprises, processing enterprises, and market merchants. During the 2026 Spring Festival period, it successively issued loans totaling RMB 14 million to relevant enterprises. In total, it provided more than RMB 200 million in loans to companies within Rongcheng’s marine fisheries industry chain—embedding financial services even more deeply into key links such as fishing, processing, and trading.

“Focusing on important areas of supply for agricultural products such as grain production, livestock and poultry breeding, and fisheries fishing, our bank continues to strengthen full-chain financial support to help stabilize production and ensure supply, and to stand guard over the baseline of food security.” A relevant person in charge from Industrial Bank’s Rural Revitalization Department said. As of the end of February 2026, Industrial Bank’s loans in key food-related areas had increased by more than RMB 2 billion compared with the beginning of the year.

Push forward county-level characteristic industries
Turn “local specialties” into “big industries” that drive income growth

Step into the modern greenhouse tunnel at Dali Chucun Yuan Agricultural Technology Co., Ltd., and you see colorful cherry tomatoes hanging all along the branches. With 8 colors, 10 major categories, and more than 200 individual products, this plateau greenhouse has a strong sense of distinction.

In January 2026, Industrial Bank’s Dali sub-branch issued a RMB 5 million credit loan to the company, earmarked specifically to support expansion of planting and production. This loan has multiple attributes, including inclusive finance, agriculture-related lending, technology, and green features—providing effective support for the company to develop modern agricultural facilities and cultivate new productive forces in agriculture.

With support from this loan, the company has continued to expand its planting scale. Its products cover 34 provinces (autonomous regions and municipalities directly under the central government) across the country, and it has also exported to countries in Southeast Asia. As the industry keeps developing, local villagers also have more opportunities to work near home. At present, the company has created employment for more than 500 surrounding villagers, with average annual income increases of RMB 40,000 per person.

According to information, Industrial Bank adapts to local conditions, focuses on county-level characteristic industry chains, and innovates by building a proprietary service model of “one county, one industry, one set of policies.” It uses targeted financing to irrigate the fertile rural land precisely, helping “one locality, one product” become linked and scaled—turning into a network of industries and a clustering of enterprises. This drives “local specialties” to transform into “big industries,” injecting vigorous momentum into high-quality development of county-level economies.

In “China’s Capital of Edible Fungi,” Gucun in Mindong, the small mushrooms support a big industry for local people to increase income and achieve prosperity. From purchasing mushroom strains and maintaining greenhouses, to production processing and sales distribution—every link in the industry chain is connected to the production and operations of mushroom growers, cooperatives, and mushroom enterprises.

To meet these needs, Industrial Bank’s Ningde sub-branch launched two major credit-loan products: “Xingsudai (Gucun mushroom industry-specific)” and “Individual Business Loan (edible fungi-specific).” Using convenient and efficient methods, it serves business entities across all links of the industry chain. By the end of 2025, it had disbursed loans to 211 customers totaling RMB 382 million. Financial liquidity runs through the entire chain—mushroom strain R&D, growing and cultivation, production processing, and sales and distribution—continuously polishing the “Gucun Tremella (silver ear fungus)” golden brand.

Since Industrial Bank carried out the special action “Xingbai Counties—Boost and Benefit Ten Thousand Enterprises” starting in August 2025, it has closely followed each locality’s endowments of agricultural resources, and through diversified, relay-style services, promoted the “linking of pearls” across the industry chain and pushed characteristic agriculture toward scale, industrialization, and branding. To date, it has introduced more than 110 county-level industry special projects.

Deepen cooperation and assistance
Move financial services from “blood transfusion” to “blood-making”

Minning Town is an important window of the Minning Cooperation. Over the years, funds, technologies, and ideas from China’s southeastern coastal areas have gathered here and taken root.

In 2018, a person who started a business from Fuzhou came to Minning Town in Ningxia to invest in and establish an agricultural enterprise to develop radish cultivation. As the operation scale kept expanding, Industrial Bank’s Minning micro and small sub-branch provided a RMB 7 million loan to help the enterprise stabilize production and expand operations.

Worth noting, around the enterprise’s needs for transformation and upgrading, Industrial Bank also connected and introduced agricultural technology resources from an enterprise founded by alumni of Xiamen University. This brought patented fertilizers and cultivation technologies into the company. In Minning Town, it built “assistance-and-demo experimental plots for farmers,” helping the company shift from ordinary cultivation to organic cultivation, achieving a 15% increase in yield per mu and doubling the planting scale. This agricultural enterprise, founded by Min traders in Ningxia, has also gradually developed planting bases of more than 5,000 mu. Its product sales channels have continued to broaden, and it has helped nearby farmers maintain stable income growth.

From simply solving the problem of funding difficulties, to bringing in technology, channels, and resources together—the focus of financial services has also been extending further. Today, Industrial Bank has more than 1,000 financial special envoys who run around the front lines in county-level areas year-round. They go into workshops and factories, and into the fields and farm plots; they provide comprehensive services of “financing + financing know-how” to nearly 1,000 enterprises. They measure demand with their footsteps and interpret commitment with expertise.

In Zhaojue County, Liangshan Prefecture, Sichuan, the “Cliff Village” has been widely known due to transportation constraints in the past. While high-mountain oca (乌洋芋) and Yi embroidery (彝绣) and other distinctive products are of excellent quality, they were for a time constrained by access conditions and development foundations. Good things could not be shipped out of the mountains, and tourists could not come in.

“We have resources, but lack capital; we have products, but no sales channels” has become a reality that many operating entities in Zhaojue County have faced for a long time. Local villagers guard good resources, but find it hard to convert them into tangible returns.

Industrial Bank’s financial special envoys in Chengdu keep climbing steel ladders again and again. During the day, they visit farmers and survey sites; at night, they discuss and refine plans with colleagues. Targeting local pain points, they innovated a “agricultural products + cultural tourism” integrated development model, and issued project loans totaling RMB 170 million to Zhaojue County for the construction of the “Zhaojue Cliff Village Sky Valley Project.”

From getting tourists to come in to making the industry come alive, the “Sky Valley” project is helping local resource advantages accelerate their conversion into development advantages. In 2025, the Cliff Village received more than 30,000 visitors, driving employment among 120 households across three surrounding villages, with comprehensive earnings of over RMB 10 million.

Energize new forms of rural business
Help more beautiful scenery convert faster into good “money prospects”

Xiangshan, located on the eastern coastal part of Zhejiang, is surrounded by the sea on three sides and embraced by two ports. Mountains, sea, bays, islands, and beaches echo one another, blending the appearance of fishermen’s homes with the charm of the harbor. Benefiting from unique marine resources and seaside tourism advantages, the guesthouse (homestay) economy has gradually become an important component of new rural business formats.

With tourist numbers steadily increasing year by year, seaside guesthouses have become one of the local most dynamic characteristic industries. Considering the operation characteristics of the guesthouse economy as light-asset and with distinct peak and off seasons, Industrial Bank’s Ningbo sub-branch launched “Guesthouse Loans,” supporting uses such as renovation and upgrades of guesthouses, and operational turnover.

“After renovating the old house, we have more guests—especially on holidays, it’s often hard to get a room.” After receiving the loan, Ms. Li, the owner of a guesthouse in Shipu, Xiangshan, renovated the old property into a boutique guesthouse. Her customer sources increased accordingly, and business has improved. As of the end of February 2026, Industrial Bank had deployed more than RMB 8 million in “Guesthouse Loans” in Xiangshan, providing loan support to 16 guesthouses in Xiangshan. This has helped 112 villagers find nearby employment, and has also linked up multiple business formats such as direct sales of agricultural products and experiences in fishing culture.

In recent years, as the rural revitalization strategy has been implemented more deeply, new rural industries and business formats have been growing faster. Guesthouses, cultural tourism, eco-leisure and other formats have continued to integrate. More and more rural “dormant resources” have been transformed into income-generating capital, injecting strong momentum into comprehensive rural revitalization—and also opening up broad new space for financial services.

As a birthplace of the “Two Mountains” philosophy, Yucun Village in Anji County, Zhejiang, has continued exploring green development and has taken a typical transformation path from “a mining village” to “an eco village, a tourism village.” This village, once “the mountains turned bare and the water turned murky” because of mountain opening and mining and the establishment of a cement plant, has gradually stepped onto a new road of prioritizing ecological conservation and developing green development after mine shutdown, environmental remediation, and transformation in development approaches.

Centering on the construction of the Anji County Bamboo Expo Park and the Yucun “Two Mountains” 5A scenic area creation project, Industrial Bank issued a RMB 500 million syndicated loan, providing funding support for the scenic area’s upgrades, basin-wide comprehensive governance, ecological restoration, and improvements to infrastructure—helping the locality convert ecological advantages even better into development advantages. With the flourishing of emerging business formats such as guesthouses, camping, and coffee, the ecological foundation of the past is being continually transformed into new rural business formats and new driving forces for rural revitalization—and it further polishes Industrial Bank’s green finance brand.

“Our bank will closely follow the key tasks of comprehensive rural revitalization, promote product innovation, increase funding allocation, send talent to the grassroots, and bring technology to rural areas. We will continuously explore rural revitalization financial service models with Industrial Bank’s characteristics that are effective in practice, and make greater contributions to advancing comprehensive rural revitalization and accelerating agricultural and rural modernization.” A relevant person in charge from Industrial Bank’s Rural Revitalization Department said. As of the end of 2025, Industrial Bank’s outstanding balance of agricultural-related loans exceeded RMB 550 billion.

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