Core Viewpoint - The "Bo Nong Loan" product by Bohai Bank's Changchun branch significantly enhances the accessibility and efficiency of agricultural loans for farmers, leveraging financial technology to streamline the application process and reduce costs [1][2][3]. Group 1: Product Development and Features - "Bo Nong Loan" was developed in collaboration with Jilin Provincial Financial Holding Group, officially launched in May 2020 after extensive testing [2]. - The product integrates account functions within the "Ji Nong Jin Fu" app, allowing farmers to complete all loan-related operations on a single platform without needing additional applications [2]. - It enables online one-stop credit inquiries, eliminating the need for farmers to travel to county towns for credit reports, thus reducing time and transportation costs [2][3]. Group 2: Financial Benefits and Cost Reduction - Since its inception, "Bo Nong Loan" has seen a cumulative interest rate reduction of 73 basis points, easing the financial burden on farmers [4]. - The loan limit for single transactions was increased from 150,000 yuan to 200,000 yuan in March 2024, catering to the funding needs of larger agricultural operations [4]. Group 3: Impact and Future Plans - As of August 2025, "Bo Nong Loan" has disbursed approximately 9 billion yuan across 13,000 loans, benefiting over 8,940 farmers in Jilin Province [5]. - Bohai Bank's Changchun branch aims to expand the service further, enhancing product features and service processes to support more farmers and contribute to rural revitalization [5].
渤海银行长春分行：以金融科技实干为民 谱写惠农新篇章