Recently, in the 2025 (11th) National State owned Enterprise Management Innovation Achievement Evaluation, the "Financial+Homestead" project applied by Beijing Rural Commercial Bank to connect the last mile of rural elderly care - taking the first new residential (consumer) loan in China as an example "stood out from more than 300 participating projects nationwide and won the second prize. This national honor is not only a high recognition of Beijing Rural Commercial Bank's deep cultivation of urban and rural finance and its innovative management to solve the pain points of people's livelihood, but also marks the leading position of local financial institutions in the innovation practice of "agriculture, rural areas and farmers" services in the capital.

This selection is jointly organized by authoritative institutions such as the China Enterprise Management Research Association and is one of the most influential professional selections in the field of state-owned assets and enterprises. The selection process goes through five rounds of rigorous procedures, including qualification review, expert preliminary evaluation, on-site defense, on-site review, and online public announcement, making the competition fierce. The award for the innovative achievements of "finance+homestead" by Beijing Rural Commercial Bank is not only a remarkable achievement of the bank's five consecutive years of winning this national honor, but also demonstrates the unique value of the innovative practice of "agriculture, rural areas and farmers" finance rooted in people's livelihoods and empowering rural areas on the national state-owned enterprise stage.

Accurately responding to rural pain points, innovating services to help rural revitalization

The birth of innovative achievements in "finance+homestead" stems from a precise response to the real pain points in rural areas of the capital. With the deepening of the rural revitalization strategy, the contradiction between elderly people in rural areas of Beijing who want to improve their retirement homes but lack funds and find it difficult to activate their homestead assets is becoming increasingly prominent.

Beijing Rural Commercial Bank innovatively constructs a "finance+homestead" new residential consumption loan model, with rural homestead use rights and above ground houses as the core asset link, breaking through the guarantee constraints of traditional financial services, and providing farmers with special consumption loans for new residential construction and renovation. This model innovatively connects the link between "homestead assets financial services elderly care needs", highly in line with the requirements of homestead policy management, closely linking with local governments and village committees, tracking farmers' housing needs, and tailoring financial service plans. The repayment method with a maximum repayment period of 7 years and flexible adaptation to the pace of rural income greatly alleviates the repayment pressure on villagers.

At the same time, Beijing Rural Commercial Bank has extended its service reach, not only providing convenient services such as door-to-door handling and material pre examination, but also relying on its unique village based stations, rural convenience stores and other branches to provide farmers with normalized support such as nearby consultation and business guidance, allowing villagers to enjoy convenient and efficient financial services without leaving the village, and effectively doing good things and practical things.

Benefiting thousands of rural families, promoting innovative models nationwide

Uncle Wang of Jinhaihu Town, Pinggu District is the direct beneficiary of this model. His old house has been in disrepair for a long time, leaking water and ventilation, but due to a lack of funds, it has been unable to be renovated for a long time. Through a new residential consumption loan from Beijing Rural Commercial Bank, Mr. Wang obtained 150000 yuan in funds to transform his old house into a retirement home with anti slip flooring and aging friendly handrails. "I have lived in this old house for half my life, and now it is comfortable and safe. This loan is really helpful

As of now, the "finance+homestead" model has been implemented in 13 agricultural areas in Beijing, serving over a thousand households and issuing loans exceeding 100 million yuan, effectively improving the elderly living conditions of more than a thousand rural families. In addition to improving people's livelihoods, this achievement also reflects the replicable value of management innovation: the full process mechanism of "identifying needs, customized services, and ecological support" constructed by it not only meets the policy requirements of rural homestead management, but also accurately meets the actual financial needs of farmers. It has been referenced and referenced by agricultural financial institutions in Shanghai, Hebei, Tianjin and other places.

In the expert review process of this selection, the achievement was evaluated as a typical case of activating dormant assets in rural areas with financial tools and connecting livelihood needs with rural development through management innovation, with strong practicality and promotion.

Continuous innovation empowers rural revitalization and people's livelihood services

As a financial enterprise managed by Beijing Municipality and the only financial institution rated as a "Beijing Time honored Brand", Beijing Rural Commercial Bank has always adhered to the original intention of "focusing on urban and rural areas and serving agriculture, rural areas and farmers", and has been rated as "excellent" in the performance evaluation of financial enterprises managed by Beijing Municipality for 10 consecutive years. Winning the second prize of National State owned Enterprise Management Innovation Achievement this time is not only a recognition of the bank's management innovation ability, but also an incentive for its deep cultivation of "agriculture, rural areas and farmers" finance.

Next, Beijing Rural Commercial Bank will take this award as an opportunity to continuously deepen the iteration and upgrading of the "finance+homestead" model, expand the extension scenarios of aging friendly transformation, rural cultural tourism, etc. At the same time, summarize and refine innovative experiences, and output replicable "rural commercial solutions" to more agricultural areas. With financial vitality, it will continue to empower rural revitalization and livelihood services in the capital, allowing the "Beijing time-honored brand" financial brand to shine new in serving high-quality urban and rural development.