省农信联社：“慧农通”助力数字化方案 赋能乡村振兴取得实效

Core Viewpoint - The "Huinongtong" product, recognized as a model of "good financial products" in digital finance, enhances agricultural product transaction efficiency and supports rural revitalization in Shandong Province [1][5]. Group 1: Industry Pain Points - Shandong, as a major agricultural province, faces challenges such as low settlement efficiency and lack of specialized tools, leading to frequent disputes over "white slips" and delayed payments [2]. - The traditional manual accounting methods contribute to high operational costs and risks associated with cash transactions, including counterfeit currency [2]. Group 2: Innovative Service Model - "Huinongtong" integrates payment, management, and financing services through a mobile banking platform, allowing farmers to generate unique payment codes and enabling merchants to make bulk payments easily [3]. - The service enhances accessibility to inclusive finance and shifts the focus of rural banks from manual assistance to digital empowerment, transforming the financial service model [3]. Group 3: Government-Bank Collaboration - "Huinongtong" exemplifies the implementation of Shandong's digital agriculture action plan, promoting green finance and reducing carbon emissions through electronic payments and digital transactions [4]. - The platform utilizes big data to improve credit assessment for agricultural loans, enhancing approval efficiency and risk management [4]. Group 4: Current Impact and Future Plans - The platform has reached 1.4 million users, facilitating 480,000 transactions worth 2.8 billion yuan, significantly reducing costs and settlement times for both buyers and sellers [5]. - Future enhancements will include additional service features and stronger financial technology applications to further support rural revitalization and high-quality agricultural development in Shandong [4][5].