护航秋粮颗粒归仓

Core Viewpoint - The article highlights the importance of financial support for farmers in Chifeng, Inner Mongolia, during the autumn harvest season, emphasizing the role of local banks in providing tailored financial services to meet diverse funding needs [1][2][3][4][5] Group 1: Agricultural Production and Financial Support - Chifeng City is a significant agricultural base in Inner Mongolia, with a grain crop planting area of 21.68 million acres, accounting for approximately 30.5% of the region's total [1] - The autumn harvest is crucial for local farmers' income and regional food security, prompting the People's Bank of China in Chifeng to guide financial institutions to focus on agricultural needs [1][3] Group 2: Innovative Financial Products - The Industrial and Commercial Bank of China (ICBC) in Chifeng has introduced flexible loan options like "Xingnong Quick Loan," providing farmers with access to 100,000 yuan to ease financial pressures during the harvest [2] - Various tailored financial products, such as "Planting e-loan," have been developed to address the financing challenges faced by agricultural entities [2][3] Group 3: Efficient Loan Processing - The People's Bank of China in Chifeng has streamlined loan approval processes, increasing efficiency by 30% and reducing loan disbursement time to within 48 hours [4] - The Agricultural Bank of China in Chifeng reported a transaction volume of 21.65 million yuan for its "Huinong Installment" product, facilitating the purchase of harvesting machinery [4] Group 4: Cost Reduction in Financing - The establishment of a grain credit guarantee fund of 400 million yuan has supported the smooth acquisition of high-quality millet, ensuring the completion of annual purchasing plans [5] - A new financing model combining a grain credit guarantee fund with a guarantee company has reduced the annual guarantee fee rate from 0.8% to 0.4%, saving enterprises over 20 million yuan [5]