Recently, the People's Bank of China, the State Administration for Financial Regulation, and the All China Women's Federation jointly issued the "Implementation Opinions on Further Strengthening Financial Support for Women's Employment and Development", making comprehensive and systematic arrangements for financial support for women's employment and entrepreneurship in the new era.

As a service provider deeply involved in the field of inclusive finance for small and micro enterprises, Ping An Rongyi, a subsidiary of Land Control, implements the development requirements of inclusive finance, focuses on the financial needs of female business entities for a long time, and continues to increase financial support for women's employment and entrepreneurship. The "Mother Entrepreneurship Circular Fund" (Huinong Fund) special assistance project jointly launched by the China Women's Development Foundation (hereinafter referred to as "Women's Foundation") has formed a mature practice for nearly ten years since its launch in 2017. Gradually establish a full chain service system that combines financial support, capacity cultivation, and mechanism guarantee, providing solid support for rural women's entrepreneurship and employment in counties.

Focusing on the bottlenecks of women's entrepreneurship and creating a revolving credit assistance model

In response to the common core pain points faced by rural female entrepreneurs, such as insufficient collateral, insufficient start-up funds, and high financing costs, Ping An Rongyi and the Women's Foundation have innovatively adopted an interest free circular assistance model, breaking the limitations of traditional one-time public welfare funding,Through the closed-loop operation mechanism of "deployment recycling re deployment", the rolling reuse of public welfare funds is achieved, continuously amplifying the effectiveness of assistance and expanding the coverage.

The project implementation has always closely followed the local industrial characteristics, accurately matched the actual needs of women's entrepreneurship, and has supported a number of county-level characteristic projects with strong driving effects. In Baoqing County, Heilongjiang Province, the Qingren Black Soybean Planting Project, which was launched in 2022, has been supported by revolving funds. Local agricultural enterprises have built an order base of over 50000 acres in Shengli Farm, attracting 30 low-income women to join the planting system. The enterprise provides stable sales channels for growers through orders, and in 2023, it also conducted comprehensive training on production, planting, and sales for more than 120 growers, reducing market risks for individual planting and stabilizing farmers' income. The project has cumulatively driven employment for 85 people and achieved a total income increase of 1.326 million yuan for farmers. Similarly, in Heilongjiang Province, the Green Selenium Rich Coarse Grains Planting Project in Zhaoyuan County provides 30000 yuan in support funds to 36 households of disadvantaged women. The cooperative serves as the carrier to unify the entire process management of land rotation, fertilization, raking, pesticide application, autumn harvest, and storage. The County Women's Federation supervises the implementation of the project throughout the process, participates in guiding the collection of seeds and fertilizers by project households, and carries out pest and disease prevention and control work. The project directly created 39 job opportunities, radiating and driving 1500 people in the surrounding area to participate in industrial development, and cumulatively increasing farmers' income by 1.85 million yuan. The employment effectiveness of local women and the coverage of business entities have been improved.

InIncrease financial support for key areas of women's employment and entrepreneurship, and broaden diversified financing channels for women's employment and entrepreneurshipOn the one hand, Ping An Rongyi will continue to promote its assistance effect on characteristic industries nationwide.

Data shows that by the end of 2025, interest free agricultural benefits have been implemented in ten provinces (regions, cities) including Heilongjiang, Jilin, Gansu, Ningxia, Inner Mongolia, and Henan. A total of 43.1 million yuan of interest free agricultural benefits have been disbursed, directly helping more than 2430 women achieve entrepreneurship and employment, radiating and driving employment and income growth for 12191 disadvantaged women and their families, with an average income increase of over 15000 yuan per beneficiary woman. More than 50 landing projects cover diverse business formats such as planting, breeding, agricultural product processing, handicraft production, rural tourism, and intangible cultural heritage inheritance, gradually forming a multi industry and wide coverage pattern for women's entrepreneurship assistance, which is highly in line with the requirements of policies.

Persist in deepening the "training+credit" model to enhance women's entrepreneurial development capabilities

The Implementation Opinions clearly propose to optimize education and training financial services, explore the "training+credit" model, and enhance women's employment development ability and financial knowledge literacy.

Ping An Rongyi has found in long-term practice that financial support can only solve the liquidity problem in the initial stage of entrepreneurship, and the improvement of operational ability and financial literacy is the core support to ensure the sustainable development of women's entrepreneurship.

To this end, the project gradually extends its service boundaries,Build a dual wheel drive model that combines financial support and capacity cultivation.

At the level of industrial skills, each landing project is equipped with targeted training mechanisms, relying on local project cooperation enterprises and cooperative resources to provide practical guidance on planting technology, variety promotion, market operation, and other content, directly matching the actual needs of production and operation.

At the level of comprehensive empowerment, in October 2025, Ping An Rongyi, in collaboration with the China Women's Development Foundation and the Heilongjiang Women's Federation, launched a training program in Harbin to empower the growth of entrepreneurial women. Over a hundred female entrepreneurs, leaders in emerging industries, and urban and rural small and micro entrepreneurial women from the province participated in a three-day systematic course on policy interpretation, entrepreneurial guidance, digital applications, etc., to systematically enhance the management level of entrepreneurs.

It is reported that the training will be synchronized with Ping An RongyiSmall and Micro Financial Literacy Empowerment ProgramParty members and dedicated personnel will conduct specialized lectures on financial rights protection and business risk prevention. Popularize basic financial knowledge to female entrepreneurs, promote financial policies and products to reach grassroots groups, and effectively enhance the financial literacy and risk identification ability of female business entities.The linkage practice of "training+credit" effectively consolidates the credit foundation and business ability of women's entrepreneurship, forming a positive cycle of "ability improvement credit accumulation financing availability", which is the concrete implementation of policy requirements at the grassroots level.

Establishing a regular mechanism to strengthen the foundation of financial support for rural women's entrepreneurship

Financial support for women's employment and development, as well as expanding diversified financing channels for women's employment and entrepreneurship, is a systematic and long-term task.

The Implementation Opinions specifically put forward clear requirements for building a long-term support mechanism. Through years of practice, Ping An Rongyi has gradually established a long-term guarantee system that involves multi-party collaboration, technological empowerment, and comprehensive coverage, ensuring accurate, efficient, and sustainable assistance work.

One is to establish a multi-party collaborative working mechanism and strengthen the investment of credit resources such as entrepreneurial guarantee loans.Ping An Rongyi maintains regular linkage with women's federations at all levels, the China Women's Development Foundation, local governments, and industry entities, forming a full process closed-loop management of on-site research and demand investigation in the early stage, full process supervision and standardized implementation in the middle stage, and follow-up evaluation and optimization of results in the later stage. This effectively improves the accuracy of financial services and is highly in line with the policy's direction of normalized government bank enterprise docking and strengthening data sharing.

The second is to leverage the role of financial technology in empowering service capabilities.Ping An Rongyi deeply integrates its digital capabilities into the entire process of inclusive services. With a mature online service system, small and micro operators can complete the entire process of financing application, intelligent evaluation, and loan approval through the Ping An Rongyi App. Enterprises use intelligent risk control models to transform their tax information, business data, and other "soft information" into usable "credit assets", breaking the path dependence of traditional credit on fixed asset collateral and enabling grassroots operators to obtain more efficient and convenient financial services. At the same time, enterprises strictly regulate algorithm design, prevent gender bias from the level of model rules, and ensure that female business entities receive fair credit services.

The third is to build a comprehensive and inclusive service pattern.Assisting female entrepreneurs is an important component of Ping An Rongyi's inclusive finance strategy. For a long time, Ping An Rongyi has continued to increase financial support for weak links in the real economy, building a social responsibility practice system that covers women's development, rural education, industrial revitalization, and green environmental protection.

In the field of rural education, the Ping'an Hope Primary School project in Niuhe Village, Huining, Gansu has been continuously supported for nine years since its designated assistance was launched in 2015, up to 2024. Through five major assistance measures including hardware maintenance, curriculum support, remote training, summer camps, and scholarships, more than 350000 yuan in funds and materials have been invested; This mountain village primary school has produced 5 doctoral students, 25 master's students, and over 120 undergraduate students, and has successively won county-level teaching quality awards and the title of advanced collective in the education system.In the field of industrial revitalization, the latest ESG report released by Lufax Holdings shows that as of December 31, 2025, Ping An Rongyi has served over 480000 agricultural small and micro groups; Assisted nearly 300 rural cooperative leaders and agricultural entrepreneurs in obtaining assistance funds of over 160 million yuan, directly supporting over 800 registered households, driving over 15000 people in the surrounding areas, covering 14 provinces and 40 counties, and covering various agricultural types such as planting, animal husbandry, forestry, and fisheries.

With the implementation of the "Implementation Opinions on Further Strengthening Financial Support for Women's Employment and Development", the financial support environment for women's employment and entrepreneurship continues to be optimized. In 2026, Ping An Rongyi plans to further expand the coverage of the "Mother Entrepreneurship Circular Fund" project, with plans to launch 12 new projects in five provinces and regions including Heilongjiang, Jilin, Ningxia, Guizhou, and Yunnan, with a planned investment of 7.5 million yuan, covering various industries such as fresh corn planting and processing, women's grass weaving, seedling embroidery inheritance, integration of agriculture, culture, and tourism, agroforestry, traditional Chinese medicine planting, beef cattle breeding, and rural tourism, continuously meeting the needs of flexible employment at home and the development of rural characteristic industries. At the same time, the service model of "training+credit" will be synchronized with new projects and continuously improve the entire chain of assistance system.

Next, Ping An Rongyi will continue to increase its investment in financial resources in accordance with policy requirements to support women's employment development. At the same time, we will adhere to the positioning of inclusive finance, effectively transmit financial resources to key areas of women's employment and entrepreneurship, and contribute actively to promoting women's comprehensive development, assisting rural revitalization, and promoting high-quality development of inclusive finance.