担保有担当｜潍坊：“担”来金融活水 浇灌一城繁花

Core Insights - Qingzhou, known as the "Eastern Flower Capital," has a flower industry brand value of 34 billion yuan and an annual transaction volume of 15 billion yuan, with 136 specialized flower villages and 315 flower enterprises employing 160,000 people [1][2] Group 1: Industry Challenges - Flower enterprises face difficulties in financing due to limited collateral, seasonal funding needs, price volatility, long payment cycles, and unstable income, hindering their ability to expand production [1] - The need for more precise and inclusive financial support is critical for the sustainable development of the flower industry [1] Group 2: Financial Solutions - Weifang Re-Guarantee Group has developed the "Weidang Flower Industry Loan" product to address financing challenges, utilizing a "government-bank-guarantee" risk-sharing mechanism, batch guarantee model, and online approval process [1] - The product offers flexible terms, no collateral requirements, and preferential guarantee rates, providing comprehensive financing support for the flower industry [1] Group 3: Impact of Financial Solutions - Qingzhou Cuilin Horticultural Farm successfully obtained a 3 million yuan unsecured policy-backed loan within two days of applying for the "Weidang Flower Industry Loan," meeting its financing needs for production expansion [1] - The loan product has been well-received, with 134 transactions totaling 113.74 million yuan completed by August 2025, and an average financing guarantee rate of 0.25% per year, resulting in a financing cost reduction of over 30% [2]