Qi Huo Ri Bao Wang·2025-12-04 01:05Core Viewpoint - The "Yinqi Bao" model developed by the Dalian Commodity Exchange addresses the long-standing issue of farmers facing difficulties in obtaining loans, which has hindered the modernization and scale of agriculture in China. This model creates a comprehensive safety net for farmers by integrating banks, insurance companies, futures companies, and leading enterprises, allowing for shared risks and benefits in the agricultural value chain [1][7]. Group 1: Loan Accessibility and Risk Management - Farmers have historically struggled with low loan limits, strict approval processes, and high interest rates due to a lack of effective collateral and unstable production [3]. - The "Yinqi Bao" model enhances farmers' creditworthiness by using income insurance policies and orders from leading enterprises as collateral, allowing banks to increase credit limits from around 500,000 yuan to 3 million yuan [3][4]. - The model shifts banks from being mere fund providers to integral partners in the agricultural value chain, thus improving risk management and financial support for farmers [2][7]. Group 2: Project Implementation and Financial Innovation - The "Yinqi Bao" project in Xinjiang's Tacheng covers 30,000 acres of corn cultivation with a project amount of 48 million yuan, increasing the insurance coverage to 1,600 yuan per acre [4]. - The project utilizes financial technology to ensure efficient fund flow, with a platform established for timely payments to farmers, thereby reducing operational costs and risks associated with traditional payment methods [5][6]. - The integration of data from various sources, including insurance and land transfer information, allows for a comprehensive assessment of farmers' credit profiles, facilitating better loan terms and conditions [4][6]. Group 3: Systematic Support for Agricultural Development - The "Yinqi Bao" model represents a shift from isolated financial support to a systematic approach that combines various financial instruments to support rural revitalization [7]. - By embedding a dual guarantee mechanism of "insurance + orders," the model fosters a cycle of risk-sharing, credit-building, and benefit-sharing among all stakeholders involved [6][7]. - The success of the Tacheng project illustrates the potential for replicating this financial model across different regions and agricultural sectors in China, promoting increased farmer income and industry efficiency [7].