The "Two Sessions" Release Positive Signals for County-Level Economy, Fenqi Le Facilitates Inclusive Finance "Going Down to Grassroots," Characteristic Industries "Thriving"

Investing in stocks? Check out the Golden Kylin Analyst Reports—authoritative, professional, timely, comprehensive—helping you uncover potential thematic opportunities!

2026 marks a new development stage for county economies.

This year’s “Government Work Report” emphasizes “solidly advancing rural revitalization,” “promoting new urbanization and regional coordinated development,” and clearly states the need to optimize county infrastructure layout and public resource allocation, develop特色产业, and promote high-quality county economic growth.

County industrial belts across China are vital for stimulating domestic demand and driving employment. With ongoing policy support,特色产业 in counties will continue to grow. How funds are efficiently channeled into production is a key factor affecting industry efficiency. In recent years, inclusive finance has been gradually extending into the depths of county economies. Lexin’s Fenqile Puhui leverages digital risk control and localized services to deliver financial resources directly to farms and industry frontline, continuously supporting the development of特色产业 in counties.

Deep in mountains, seas, fields, and plains—precise inclusive finance supports特色产业

In Lingbi, Anhui, the sprawling grape vineyards along rural roads are the core production area of the nationally renowned “Lingbi Grapes,” covering over ten thousand acres. During harvest season, Lingbi grapes are transported nationwide via cold chain logistics. Today, the grape industry here has an annual output value of over one hundred million yuan, becoming a pillar for farmers’ income growth.

Fenqile Puhui offline service staff visit Lingbi grape growers.

As the industry expands, higher funding demands arise. Fenqile Puhui has established offline services in Lingbi, helping many growers secure loans, totaling hundreds of thousands of yuan. These funds are used not only to expand planting but also to improve varieties and invest in cold storage and other key supply chain links. Relying on stable supply capacity, local farmers have established long-term partnerships with large supermarkets like Hema Fresh and Pagoda, enabling efficient distribution from farm to table across the country.

Along China’s vast coastline southward, in Xiapu, Fujian,特色海水养殖产业 also benefits from inclusive finance. Xiapu boasts the longest county-level coastline in China, with over 420,000 acres of seawater aquaculture, earning it the title of “China’s Kelp Capital.” Kelp, seaweed, abalone, and sea cucumbers form a large marine特色产业集群.

In this sea area,养殖户 work year-round against the clock. Planting kelp seedlings at year-end, harvesting and sun-drying in late spring and early summer, then rotating to laver, which is also a key feed for abalone养殖. This cyclical production relies heavily on quick资金周转. For small and medium养殖户, key steps like seedling planting and harvesting often require significant manual labor, and market conditions and weather are unpredictable. They choose Fenqile Puhui because “no collateral needed, quick disbursement, convenient to use.” For them, this funding helps cover short-term cash flow gaps during market fluctuations or peak labor periods, stabilizing their harvests.

Similar funding needs are common across northern特色产业带. In Tang County, Hebei,肉羊产业 is a vital part of the local economy. As an important “meat basket” for Beijing-Tianjin-Hebei, Tang County has a complete产业链 from breeding and fattening to slaughter and冷链物流. The county’s annual sheep stock exceeds 4 million, and over three pounds of羊肉 in Beijing’s market come from here.

However,资金周转 often constrains效率 in the产业链 connecting牧场 and urban markets. Feed procurement requires cash, slaughter cycles take time, and sales payments often have credit periods, creating natural资金错配 that puts压力 on many small and medium养殖户.

Fenqile Puhui’s local service team in Tang County noticed this issue. Through proactive on-site communication, they helped many养殖户 secure loans. For long-term industry operators, whether financial services are reliable and truly understand industry rhythms is often more important than the funds themselves.

User at a肉羊养殖场 in Tang County.

In Qianjiang, Hubei, the小龙虾产业 demonstrates another form of county economic vitality. After years of development, Qianjiang has formed a完整产业链 integrating养殖, processing, catering, and logistics, with a total产值 of 87 billion yuan in 2024, earning it the title of “China’s 小龙虾乡.” During spring苗投放 season,养殖户 face significant资金投入. Last year, Fenqile Puhui’s offline team visited小龙虾养殖场, providing micro-business credit services. Many养殖户 applied on-site and quickly received loans, successfully completing虾苗投放.

In Dali County, Weinan, Shaanxi, the冬枣产业, known as “China’s Date Hometown,” is highly sensitive to资金. With tens of thousands of acres of冬枣 and modern农业技术,成熟期 lasts from May to November. High-quality冬枣 can sell for over 200 yuan per jin at market, but high returns require continuous资金投入. Some farmers tried to get loans from other institutions but faced delays due to collateral and regional restrictions. Only after Fenqile Puhui’s客户经理 visited did things turn around. After multiple discussions, some borrowed 50,000 yuan, quickly experiencing the convenience of mobile operation and fast disbursement. They then used the full额度 to solve urgent货款支付问题.

Digital and localized operation models support county economic development

The North China Plain’s肉羊养殖, the Southeast coast’s kelp industry, the Jianghan Plain’s小龙虾养殖, and the Loess Plateau’s冬枣种植 are stories of local特色产业 operators writing their奋斗 stories across the country.

Different特色产业形态 support local特色经济, carrying the livelihoods and hopes of many. They share similar资金节奏 and经营逻辑. For a long time, Fenqile Puhui has adhered to a "local service for local users"属地化经营模式. Local service teams are often from nearby counties, familiar with local产业结构,生产周期, and经营方式. They visit orchards,虾塘,海面, and养殖场, delivering金融服务 to areas difficult for traditional金融体系 to reach through on-site services and field research.

Meanwhile, the platform relies on digital risk control systems, combining big data models with field visits to comprehensively assess small and micro经营者’s生产规模,经营流水, and产业链位置. These long-neglected经营能力 are transformed into recognizable信用依据, enabling快速审核 and放款, meeting the cyclical and time-sensitive资金需求 of agriculture and county产业.

As the “14th Five-Year Plan” promotes new urbanization, county economies still have vast潜力.特色产业链 will continue to extend, further releasing domestic demand. Inclusive金融 services will deepen into county产业, becoming a key force in activating local economies. Fenqile Puhui aims to connect产业 and资金, helping more small and micro经营者 seize development opportunities, and nurturing the vitality of特色产业 in counties across broader markets.