七部门指导五地深化普惠金融改革 广东茂名聚焦九大任务发力

Core Viewpoint - The People's Bank of China and six other departments have jointly issued guidelines to deepen inclusive finance reforms in five regions, aiming to enhance financial services for agriculture and rural areas [1] Group 1: Key Measures Proposed - The guidelines propose seven key reform measures, including improving the inclusive finance organizational system, optimizing product services in key areas, enhancing capital market service efficiency, and advancing digital inclusive finance development [1] - The specific tasks for Maoming, Guangdong, include enhancing the organizational system, broadening financing channels, and strengthening insurance protection across nine dimensions [1][2] Group 2: Focus on Rural Finance - The tasks emphasize improving the rural financial organizational system by encouraging state-owned and joint-stock banks to focus on local agricultural industry clusters and rural revitalization projects [2] - It aims to optimize agricultural loan management mechanisms, increase first-time loans, renewals, and credit loans, and expand the range of rural collateral [2] Group 3: Insurance Services for Agriculture - The tasks propose exploring a product system combining "government-subsidized basic insurance + commercial insurance," focusing on key agricultural products and implementing complete cost insurance policies for food crops [2][3] - It also includes developing price insurance for agricultural products and providing employer liability insurance for new citizens [2] Group 4: Modern Rural Industry Development - The guidelines encourage financial institutions to establish "one-to-one" connections with key industries and develop specialized credit and supply chain financial products [3] - They promote urban-rural coordinated development and support the construction of "vegetable basket" bases in the Guangdong-Hong Kong-Macao Greater Bay Area [3]