鲁信小贷：以产业“贷”动乡村振兴

Core Viewpoint - The "Rural Revitalization Industry Loan" by Shandong Lixin Microfinance Co., Ltd. has been recognized as a "Typical Inclusive Finance Product," highlighting the importance of financial support in rural revitalization efforts [1] Group 1: Product Overview - The "Rural Revitalization Industry Loan" aims to meet the development needs of rural specialty industries, providing significant credit support with a total investment of 300 million yuan as of May 2025 [1] - The loan service covers various industries, including rural cultural tourism, fruit wholesale, and livestock farming, promoting the integration of primary, secondary, and tertiary industries [1] Group 2: Financial Strategy - The company conducts thorough research on local agricultural industries and collaborates with government and leading agricultural enterprises to tailor loan amounts, interest rates, and repayment methods to meet diverse financing needs [3] - An example of the financial strategy includes a full industry chain support model for the Qing Mountain Goat breeding industry, ensuring reliable loan usage and repayment sources [3] Group 3: Impact on Farmers - The financial services provided by the company are designed to enhance farmers' income and contribute to rural prosperity, with a focus on local specialties [5] - The company supports the fruit wholesale industry by improving logistics and sales efficiency, benefiting over 200 local farmers and increasing daily transaction volumes to 2,000 tons [5] Group 4: Risk Management - The company utilizes agricultural insurance and advanced technologies like AI and big data to monitor agricultural production, thereby reducing credit risk [7] - Real-time data collection on key agricultural metrics supports informed loan decisions and risk assessments, exemplified by the monitoring of watermelon cultivation [7]