Jiang Nan Shi Bao·2025-11-25 14:17Core Viewpoint - The integration of finance and agriculture is driving rural progress and agricultural development, with a focus on enhancing food security and supporting high-quality agricultural growth [2][3][4]. Financial Support for Agriculture - Postal Savings Bank of China (PSBC) Nanjing Branch has increased its support for agricultural financing, providing 3 million yuan in "industry loans" to enhance grain purchasing capabilities and improve operational efficiency by over 30% [3][4]. - The bank has established a "1+N" credit product system, offering loans up to 5 million yuan and expedited processing times, significantly reducing financing costs for agricultural enterprises [7][10]. Agricultural Production and Efficiency - The implementation of modern agricultural practices and technology has led to a significant increase in production capacity, with companies like Jingjian Rice Industry achieving a daily processing capacity of 300 tons and an annual capacity of 100,000 tons [4][5]. - The integration of financial services has improved the efficiency of grain collection and processing, with a reported 40% increase in settlement efficiency for grain enterprises [6][10]. Rural Development and Income Growth - The support from PSBC has enabled local farmers to increase their income, with one company expanding its operational area from 3,000 mu to 4,200 mu and achieving profits of over 40 million yuan [8][9]. - The bank's financial services have created over 30 stable job opportunities and helped 456 local farmers increase their income [9]. Innovative Financial Solutions - The introduction of the "Smart Payment" system has streamlined the payment process for farmers, allowing for real-time transactions without the need for cash, thus reducing risks associated with cash handling [10][11]. - The system is designed to cater to rural needs, ensuring ease of use for older farmers and enhancing the overall efficiency of grain transactions [11].