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, with a total of 2 billion yuan in guaranteed loans provided to over 240 village organizations [1][3][5] Financial Mechanism - Guancheng County has actively engaged with the provincial agricultural guarantee company to implement the "Strong Village Loan" as a key strategy for improving village collective economies, establishing a three-tiered promotion mechanism [3][5] - Since 2022, over 500 policy promotion meetings have been held across 18 towns, reaching more than 135,000 participants to ensure awareness and access to the "Strong Village Loan" [3][5] Policy Support - In 2023, Guancheng County introduced various financial support policies to reduce financing costs for agricultural entities, including customized services that lower entry barriers and extend repayment periods [5][6] - Local financial institutions are offering preferential interest rates for the "Strong Village Loan," significantly reducing the financial burden on village cooperatives [5][6] 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, increasing annual production from 50,000 to 80,000 pounds and generating over 500,000 yuan in collective income [9][11] Community Impact - The initiative has led to improved livelihoods for villagers through rental income, employment opportunities, and enhanced public services, significantly increasing their overall happiness and satisfaction [11][13] - Over 4,000 villagers have found local employment through cooperatives supported by the "Strong Village Loan," with an average annual income increase of 28,000 yuan per person [13][11] Risk Management - Guancheng County has established a robust risk management framework for the "Strong Village Loan," ensuring clear fund allocation and usage, resulting in no bad loans reported to date [15] - The county aims to deepen collaboration with the agricultural guarantee company to further integrate financial support with rural industry development [15]