In the height of summer, Hainan Tibetan Autonomous Prefecture in Qinghai Province brims with vitality. In the farmlands of Luqie Village, Xinjie Township, Guide County, stretches of crisp red bamboo shoots flourish luxuriantly. At the factory compound of Yuanfa Mining in Xinghai County, infrastructure construction is in full swing. Inside Hainan Prefecture Big Data Industrial Park, server lights flicker in sequence as digital resources flow endlessly.

From quality improvement and efficiency gains for plateau characteristic agriculture, to the green transformation of traditional mining and metallurgy industries, and breakthrough momentum building for the emerging green computing sector, all vivid pictures of development are nourished by targeted financial support. In recent years, the Hainan Tibetan Autonomous Prefecture Branch of Agricultural Bank of China (hereinafter referred to as ABC Hainan Prefecture Branch) has closely aligned with local resource endowments, launched customized one-enterprise-one-policy financial services, and built a full-industry-chain credit support system, injecting surging momentum into this land.

Targeting Emerging Sectors: Fuel Breakthroughs of New Quality Productive Forces via Financial Innovation

Keeping in step with the strategy of building a national demonstration zone for coordinated development of green computing and power in Hainan Prefecture, ABC Hainan Prefecture Branch has taken the initiative to layout the green computing track.

On May 18, 2026, the branch disbursed 4.5 million yuan of short-term working capital loans to private enterprises engaged in green computing, marking Hainan Prefecture’s first such loan. This milestone signals a leap-forward transformation of financial services toward digital sci-tech innovation.

The borrower, Xingtu (Qinghai) Technology Co., Ltd., is the first operational private green computing enterprise in Hainan Prefecture. It plans to build a standardized green computing center capable of consuming 137 million kWh of green power annually. Faced with financing bottlenecks common to this sector — heavy asset investment, insufficient collateral and no steady operating revenue in the initial stage — ABC Hainan Prefecture Branch broke away from traditional risk control mindsets, set up a dedicated team and opened up a fast-track approval channel.

“Instead of waiting for clients to come to us, we take tailored policies directly to enterprises,” said Wang Fujun, Customer Manager of the Corporate Banking Department at ABC Hainan Prefecture Branch. Through customized one-client-one-policy comprehensive solutions, the bank offers differentiated preferential interest rates and waives various additional charges. It has not only secured the enterprise’s basic account cooperation, but also accumulated exclusive service experience for the green computing industry, facilitating the construction of local new digital infrastructure.

As an emerging industry, green computing lacks mature due diligence references. Customer managers are confronted with challenges including unfamiliarity with technical and commercial models such as IDC computer rooms and green power consumption, as well as difficulties in profit forecasting due to zero operating cash flow for startups.

“Despite numerous practical hurdles, disbursing a single project loan will not only support the construction of local new infrastructure but also help us accumulate scarce due diligence experience in emerging industries, which is highly valuable for personal career growth,” Wang Fujun’s sentiment reflects the self-reform and sense of responsibility of financial institutions in serving new quality productive forces.

Rooted in Agriculture: Activate the Cold Chain Industry via Full-chain Financial Support

Nestled by the Yellow River, Guide County is a bright pearl on the plateau, where the cold-season vegetable industry thrives.

The Guide County Sub-branch under ABC Hainan Prefecture Branch has set its sights on rural fields, focusing on large-scale growers, specialized cooperatives and leading cold-chain enterprises. Centered on the full industrial chain covering planting, warehousing, processing and circulation, the sub-branch has woven an all-in-one financial service network.

To tackle the long-standing financing difficulties of agricultural entities caused by insufficient collateral, the Guide Sub-branch has introduced a powerful set of targeted measures. Pure credit-based E-Huinong Loans are available to growers with a maximum credit line of 300,000 yuan, allowing borrowers to withdraw and repay funds anytime via mobile banking. Multi-million-yuan fixed asset loans are granted to large cold-chain distribution hubs to consolidate the industrial foundation. Meanwhile, special preferential interest rates for agriculture are implemented, supplemented by local fiscal interest subsidies to substantially cut interest burdens.

Wu Yunle, person in charge of Qinghai Qingqing Plateau Agriculture and Animal Husbandry Technology Co., Ltd., spoke from personal experience. This year, a late spring frost killed dozens of mu of seedlings, requiring replanting. Coupled with rising labor costs for weeding in the rainy season, the enterprise once faced strained capital chains. “The 450,000-yuan mortgage loan from ABC was a timely lifeline,” Wu Yunle admitted. The fund provided critical transitional support before harvest and revenue generation.

Sustained financial nourishment has helped the enterprise expand from scattered planting covering merely over 300 mu at the outset to standardized, large-scale contiguous farmland spanning 1,200 mu today.

Focusing on Green Development: Safeguard Eco-friendly Mineral Exploitation via Long-term Financial Support

Drawing on resource advantages of the Shiduolong-Manzhanggang Lead, Zinc and Gold Mining Area, the Xinghai County Sub-branch under ABC Hainan Prefecture Branch has deeply embedded financial services into the full life cycle of mining projects.

Xinghai Yuanfa Mining Co., Ltd. specializes in gold ore exploration and mining. Its 450-ton daily ore processing project at the Manzhanggang Gold Mine boasts a two-year infrastructure cycle with enormous capital demand. “The lengthy construction cycle brought overwhelming capital pressure,” recalled the company’s management. Upon learning of the project plan, the Xinghai Sub-branch arranged on-site docking at the earliest opportunity, built a multi-level joint approval channel spanning head and sub-branches, and innovatively adopted syndicated loan financing to fully match construction capital demand.

To ensure safe and efficient utilization of loan funds, the Xinghai Sub-branch rigorously implements entrusted payment management and establishes dedicated project fund accounts for closed-loop control. “Loan funds are disbursed directly to constructors and equipment suppliers in installments in line with project progress milestones,” explained Xu Zhongbin, President of Xinghai County Sub-branch. This point-to-point payment mechanism eliminates risks of fund diversion while effectively easing corporate cash flow pressure, laying solid financial guarantees for the long-term stable development of private mining enterprises.

From breakthrough momentum in emerging green computing and quality upgrading of plateau characteristic agriculture, to the green transition of traditional mining and metallurgy industries, ABC Hainan Prefecture Branch delves deep into local land and empowers industrial upgrading through targeted financial services, forming an all-round, multi-layered and three-dimensional new pattern of financial services for the private economy.

Standing at a new historical starting point and embarking on a new journey, ABC Hainan Prefecture Branch will always uphold its original aspiration of serving the country and people through finance. Closely following local development strategies, it will continuously iterate financial products, optimize service models and reinforce risk control systems, unclogging the financial channels that fuel the real economy. It will precisely align with development demands of characteristic, green and emerging industries, injecting an endless stream of financial momentum into rural revitalization, green development and cultivation of new quality productive forces in Hainan Prefecture, and propelling the prefecture’s economic and social high-quality development to new heights.

Source: Xinhua News Agency