AI · How does Guilin Bank’s dual-wheel drive connect urban and rural resources?

The 2026 National Two Sessions government work report proposes coordinated promotion of new urbanization and comprehensive rural revitalization to promote coordinated regional development between urban and rural areas.

Recently, as an important deployment at the start of the “14th Five-Year Plan,” the Central No. 1 Document of 2026 outlined a series of goals and tasks, with a clear main line: improving rural industrial development, rural construction, and rural governance.

How can financial support for rural revitalization be more precise and effective? In the wave of urban-rural integration, what role can small and medium-sized financial institutions play in resource aggregation, talent support, and ecological empowerment? Since the 14th Five-Year Plan, Guilin Bank, a local city commercial bank in Guangxi, has been exploring through a “rural finance + community finance” dual-wheel drive, writing solutions through attentive service and innovative scenarios.

Precise drip irrigation turns “local specialties” into “large industries”

Longliyuan Silk Industry Co., Ltd. production workshop. Photo by Jiang Zijing

In March, with warm breezes, Long’an County, Nanning City, sericulture farmer Huang Longfa is busy weeding and fertilizing his mulberry garden during the good season to ensure a good harvest of silkworms. “Last year, I raised nearly 20 batches of silkworms, and the purchase price from the factory was good, earning over 40,000 yuan in total.” In recent years, Huang has relied on sericulture to live a good life. This year, he expanded his mulberry planting by 2 acres.

The factory Huang mentions is the county’s only silk reeling factory—Long’an County Longliyuan Silk Industry Co., Ltd. In the past, traditional credit procedures were cumbersome and approval cycles long, unable to meet the urgent needs during peak purchase seasons, leading to a cycle of lack of funds during peak periods and hindered industrial scale-up.

The key to breaking this cycle lies in transforming traditional financial service models.

Before the peak silkworm cocoon purchase season in 2025, Guilin Bank customized a closed-loop financial service for Longliyuan Silk Industry, completing the entire process from data collection to credit approval in just one week, granting a credit line of 3 million yuan.

“This loan is specifically for cocoon purchase by sericulture farmers, with a closed-loop management of the funds’ purpose, ensuring that financial resources flow precisely to the industry source, achieving a win-win situation for finance and industry,” said a relevant person from Guilin Bank.

Agriculture is the foundation of the nation; stability in agriculture ensures national peace. The prosperity of industry is the material basis for rural revitalization. This year, the No. 1 Central Document explicitly states that agriculture should be built into a modern large industry.

Currently, Guangxi’s特色农产品 such as Liu Bao tea, crispy honey kumquat, and sugarcane are frequently gaining popularity. To grow “local specialties” into “large industries,” the first hurdle is financial capital support.

Targeting the characteristics of county-level特色农业—seasonality, concentrated产业链, and mainly small and medium-sized entities—Guilin Bank focuses on Guangxi’s modern特色农业产业集群, based on local industry endowments, and has innovatively launched a series of “产业富农贷” products such as “beef cattle loans,” “Liu Bao tea loans,” “sugarcane loans,” and “silkworm loans.” Using core enterprises as links, extending financial services to upstream and downstream farmers, forming a “one county, one policy; one industry, one policy” service system, exploring new ways to solve financing difficulties in特色农业.

By the end of December 2025, Guilin Bank’s loan balance in Guangxi’s 23 major grain-producing counties reached 78.554 billion yuan, supporting new agricultural经营主体 loans of 13.404 billion yuan; loans to six major billion-level特色农业集群 totaled 20.839 billion yuan, covering 74特色农业产业, benefiting 131,300农户, and credit coverage of one-third of Guangxi’s key leading enterprises in agricultural industrialization.

“Financial+” Ecosystem, unlocking new methods of factor flow

Guilin Bank and Jinling Town, Xixiangtang District, Nanning City, jointly built a charity supermarket. Photo by Huang Xiangcai

As resource endowments and ecological values gradually transform into development dividends, the rapid changes on rural land also generate more needs. Meanwhile, against the backdrop of urban-rural integration, rural revitalization is not isolated from urban development but promotes and collaborates with it.

How can financial services for rural revitalization keep pace with times and improve the quality and efficiency of serving the real economy? Guilin Bank continuously extends its rural助农 services, exploring new paths for city commercial banks to promote shared prosperity—acting as resource allocators between urban and rural areas, facilitating the flow of urban capital, technology, and talent into rural areas, injecting new动力 into building livable and business-friendly beautiful villages, and fostering a new pattern of互补共荣.

In June 2025, the Ministry of Agriculture and Rural Affairs released the top ten innovative models for financial support to agriculture nationwide. Guilin Bank’s “Four Integrations, Six Village Penetrations” rural inclusive金融服务模式 was successfully selected, making Guilin Bank the only local commercial bank in China to receive this honor.

This model promotes financial services into grassroots organizations,产业发展,民生改善, and social治理, building a six-in-one service system of “channels, teams, funds,产业, products,治理,” truly realizing “financial platform, government collaboration,党员服务,群众受益.”

Relying on the “city—county—town—village” four-level service framework and digital金融科技赋能, a new rural治理模式 is gradually taking shape—building融合平台, bridging双向流动 of urban and rural要素. Guilin Bank uses the “Guiyin Rights” platform to establish a "bank + merchants + farmers"产销对接模式, helping sell Guangxi特色农产品 worth 1.415 billion yuan.

Breaking through traditional models, financial services shift from “tangible coverage” to “effective empowerment.” In Shifeng Village, Guanyang County, Guilin City, Guilin Bank’s micro and small enterprise branch staff carry mobile devices, walking into the village to activate social security cards for left-behind elderly residents. From data entry to signature confirmation, the whole process takes only ten minutes, practically fulfilling the promise of “services delivered to your doorstep, warmth of finance into your heart.”

Joining hands with grassroots party organizations, using信用小积分 to empower rural治理. In Gande Village, Jinling Town, Xixiangtang District, Nanning City, Guilin Bank and the village committee jointly promote a “积分制,” embedding “普惠信用” into mechanisms like “moral积分” and “党员奉献积分,” offering discounts on loan额度 and利率, guiding residents to uphold义 and守信,崇德向善, achieving “credit for loans,行动促治理.”

By the end of December 2025, Guilin Bank’s total loans in the field of rural全面振兴 exceeded 470 billion yuan, supporting 20 key counties for rural振兴 with a loan balance of 10.054 billion yuan, an increase of 1.532 billion yuan from the beginning of the year; supporting 33贫困地区 with a loan balance of 23.513 billion yuan, an increase of 2.649 billion yuan, injecting continuous金融动力 into Guangxi’s agriculture, rural areas, and farmers’ prosperity.

Dual-wheel drive, financial bonds connect urban and rural areas

From city streets to county villages, many residents increasingly feel that Guilin Bank’s outlets are more like warm, inclusive, harmonious neighborhood spaces.

Long-time ride-hailing driver Mr. Chen often hopes to find a rest spot during work breaks to charge his phone and drink hot water. Guilin Bank’s “Neighboring Station” fully meets his small needs.

Ms. Su, 65, enjoys visiting Guilin Bank’s Furong Road Community Branch in Guilin during her leisure time, participating in regular financial literacy activities, learning about financial management and fraud prevention. “Very helpful!” she praises, noting that even her annual pension verification can be done in a few minutes with facial recognition here.

When newcomer Mr. Li was worried about low customer flow at his new hair salon, Guilin Bank’s online platform “Guiyin Life Circle” helped him a lot. After integrating the shop into online promotions, new消费场景 quickly attracted many community customers.

To support micro and small business创业, Guilin Bank has built a “金融+互联网” service model with bank-business cooperation, leveraging “people connections” and “geographical advantages” to link resources, providing a series of “Small Shop Growth Plans” to help small shops “come alive and thrive.”

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These scenes outline another highlight of Guilin Bank’s development—community finance.

While serving rural revitalization, Guilin Bank adheres to the “dual-wheel drive” strategy of rural and community finance, promoting integrated urban-rural金融服务发展.

The bank’s 371 community/micro branches actively create a “convenient,惠民,亲民” neighborhood bank brand, through multi-party co-construction and联动机制, providing professional and convenient “金融+非金融” services to residents and small micro enterprises around community outlets, making banking services truly embedded in communities, streets, parks, fields, and corners, becoming a link connecting thousands of households.

With extensive布局 in urban and rural community branches, micro branches, and a large customer manager team, Guilin Bank has successfully built a series of closely connected “圈层”—service circles, social circles, and生态圈.

This not only precisely meets urban residents’ urgent needs for high-quality agricultural products and services but also deepens the development of特色富民产业 in counties, tapping into rural ecological resources, effectively channels city resources into rural areas, and achieves mutual benefit and coordinated development of urban and rural areas.

When金融服务突破物理界限，与便民、人文关怀、社区治理深度融合，金融才能真正根植于生活，传递“为民温度”。这种充满人文关怀的普惠金融，正是新时代金融向善的最佳体现。

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