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以金融之力筑牢农业防灾减灾防线
Zheng Quan Ri Bao·2025-07-26 22:26

Core Viewpoint - The article emphasizes the critical role of banks in providing financial support for agricultural disaster prevention and mitigation, especially in the context of increasing extreme weather events and agricultural risks in China [1][2][3]. Financial Support for Agriculture - Banks should increase credit investment in agricultural infrastructure construction to prevent disasters, supporting high-standard farmland construction and improving irrigation facilities [1][2]. - In the event of natural disasters, banks can streamline loan approval processes to ensure quick access to funds for affected farmers and agricultural enterprises [2][3]. - Banks are encouraged to offer flexible loan terms and interest relief for severely affected clients to alleviate financial pressure during recovery [2]. Innovative Financial Products - Banks should develop diverse financial products tailored to agricultural production characteristics and disaster risks, such as weather index insurance credit products [2][3]. - The introduction of "Agricultural Disaster Bonds" can help distribute agricultural disaster risks across financial markets, raising more funds for disaster prevention and mitigation [2][3]. - Seasonal financing products like "Agricultural Time Loans" and "Order Agriculture Loans" can address the short-term and frequent funding needs of farmers [3]. Contribution to Agricultural Resilience - By providing comprehensive financial support, banks can help enhance the resilience of agricultural production against natural disasters, ensuring national food security while achieving stable business development [3].