山东农担“强村贷”打造乡村振兴“冠县样板”，规模效益领跑全省

Core Insights - The article emphasizes the importance of the "Strong Village Loan" initiative in promoting rural revitalization and enhancing village collective economies in Guancheng County [1][3][10] Financial Mechanisms - Guancheng County has actively engaged with the provincial agricultural guarantee company to implement the "Strong Village Loan," which has provided over 200 million yuan in guaranteed loans to more than 240 village party organizations [1][3] - A special task force was established to streamline the loan process, addressing challenges such as high costs and difficult access to loans for village cooperatives [3][5] Policy Implementation - In 2023, Guancheng County introduced various subsidy policies to reduce financing costs for agricultural entities, thereby increasing collective income and improving the livelihoods of residents [5][11] - Customized services were launched to lower entry barriers, simplify approval processes, and extend repayment periods for loans, specifically tailored to local agricultural characteristics [5][9] Economic Transformation - The "Strong Village Loan" has enabled village cooperatives to diversify their operations from traditional grain farming to more profitable ventures such as fruit and vegetable cultivation and livestock farming [7][9] - Specific examples include a cooperative in Tianmayuan Village that upgraded its cherry greenhouse, resulting in increased production and sales through e-commerce platforms [9] Community Impact - The initiative has significantly improved the income of local villagers, with many benefiting from land rental income and employment opportunities created by cooperatives [11][13] - Infrastructure improvements funded by collective income have enhanced the quality of life in villages, fostering a sense of community and cohesion among residents [11][13] Risk Management - Guancheng County has implemented a robust risk management framework for the "Strong Village Loan," ensuring clear tracking of loan funds and maintaining a record of zero non-performing loans [15]