找准合作路径金融服务与供销服务同频共振

Core Viewpoint - The collaboration between rural commercial banks and supply cooperatives is essential for addressing rural financial service challenges and enhancing the agricultural supply chain [1][2][3] Group 1: Collaboration and Service Enhancement - Rural commercial banks should actively explore cooperation with supply cooperatives across multiple dimensions, including products, channels, and data, to effectively support rural economic development [1] - Establishing "Rural Revitalization Financial Service Stations" at supply cooperative outlets can enhance financial service accessibility for farmers, providing essential banking services and integrating financial and supply services [2] Group 2: Product and Service Innovation - Financial products should be tailored to the entire business chain of supply cooperatives, offering targeted credit support for agricultural inputs and facilitating financing for agricultural product sales [1][2] - Issuing exclusive financial service cards for cooperative members can lower financing barriers and make financial services more accessible to farmers [1] Group 3: Data Sharing and Technological Empowerment - Establishing a data-sharing mechanism between rural commercial banks and supply cooperatives is crucial for improving service efficiency and understanding the financial needs of farmers and agricultural enterprises [3] - Utilizing big data technology can help banks predict farmers' production cycles and funding needs, allowing for better credit planning and support for agricultural processing enterprises [3] Group 4: Commitment to Agricultural Development - Rural commercial banks must maintain a farmer-centric approach, breaking down cooperation barriers and innovating service models to enhance the effectiveness of financial services in supporting rural revitalization [3]