银行应多方面入手激活农产品消费潜能

Group 1 - The core viewpoint of the article emphasizes the need for financial institutions to integrate deeply into the agricultural industry chain to enhance the consumption of agricultural products through a newly released implementation plan by ten departments, including the Ministry of Agriculture and Rural Affairs [1][2] - The plan aims to expand agricultural product consumption by addressing the low standardization and weak brand influence that have historically led to the issue of "quality without premium pricing" [1] - Financial services should be closely tied to quality upgrades, utilizing "green credit" to support organic farming and establishing quality traceability systems, while "brand cultivation loans" can promote geographical indication certification and regional public brand development [1][2] Group 2 - The logistics segment significantly impacts the consumption radius of agricultural products, with high losses often caused by cold chain gaps and capital constraints [2] - Financial institutions can utilize a combination of "project financing + operational subsidies" to reduce the costs of building cold chain distribution centers at production sites, and offer "order loans" and "warehouse receipt pledges" to alleviate funding pressures for fresh e-commerce and community group buying [2] - To activate the consumer market, financial services should evolve from simple lending to a comprehensive empowerment model that integrates finance with various scenarios, such as offering "consumer credit + agricultural product packages" in rural tourism settings [2]