服务农业新质生产力 农村中小银行应做好“专”字文章

Core Viewpoint - The financial sector plays an irreplaceable role in promoting agricultural technological innovation and modernization, with rural small and medium-sized banks taking on historical responsibilities to support the development of new agricultural productivity through targeted financial services [1][2]. Group 1: Focus Areas for Agricultural Technological Innovation - Agricultural new productivity is characterized by high technology, efficiency, and quality, emerging from revolutionary breakthroughs in technology and innovative allocation of production factors [2]. - The Ministry of Agriculture and Rural Affairs has identified ten key areas for agricultural technological innovation from 2024 to 2028, including new variety cultivation, soil quality improvement, and green low-carbon agriculture [2]. Group 2: Role of Rural Small and Medium-sized Banks - Rural small and medium-sized banks should enhance communication with relevant departments and identify key support points for agricultural technological innovation, increasing credit resource allocation [3]. - Banks are encouraged to develop financial support plans based on local resources and industry planning, ensuring annual progress in supporting agricultural new productivity [3]. Group 3: Specialized Organizational Structure - The establishment of specialized agricultural technology financial institutions is necessary to meet the unique demands of high-tech agricultural enterprises [4]. - A three-tiered organizational structure can be created, including specialized departments at the head office and dedicated branches to provide tailored financial services [5]. Group 4: Customized Financial Services - Financial services should cover the entire lifecycle of agricultural technology enterprises, addressing different needs at the startup, growth, and maturity stages [6][7]. - Rural small and medium-sized banks should offer tailored services such as startup loans, growth loans, and acquisition financing to meet the varying demands of enterprises [7]. Group 5: Addressing Financing Challenges - Agricultural technology enterprises face challenges such as short loan terms and difficulties in collateralizing assets, necessitating innovative financial products [8][9]. - A diversified product matrix should be developed, including credit loans, intellectual property pledges, and supply chain finance to address these challenges [9]. Group 6: Professional Talent Development - The complexity of agricultural new productivity requires a skilled workforce that understands technology, industry, and finance [10]. - Banks should focus on building a cross-disciplinary talent pool and enhancing training programs to improve service capabilities in agricultural technology finance [10]. Group 7: Utilizing Policy Support - Agricultural technology innovation often involves long R&D cycles and high costs, necessitating supportive policies to mitigate risks [11][12]. - Effective implementation of fiscal and monetary policies, along with collaborative innovation, can help alleviate financial pressures on agricultural technology enterprises [12].