“三农”融资成本降低服务农业增产、农民增收 智慧农业等领域贷款增长明显

Core Insights - The latest data from the Financial Regulatory Bureau indicates that the volume of inclusive agricultural loans has increased while prices have decreased, demonstrating ongoing support for the "three rural issues" (agriculture, rural areas, and farmers) [1] Group 1: Loan Volume and Growth - As of the end of October, the balance of inclusive agricultural loans reached 13.99 trillion yuan, representing an 8.72% increase compared to the beginning of the year, with notable growth in sectors such as biological breeding, agricultural machinery, and smart agriculture [3] - Since 2025, financial institutions have increased credit allocation to key counties focused on enhancing grain production capacity, supporting significant yield improvements in grain and oil crops [4] Group 2: Interest Rates and Financing Costs - The average interest rate for newly issued inclusive agricultural loans from January to October 2025 decreased by 0.61 percentage points compared to the same period in 2024, continuing a downward trend that reduces financing costs for the "three rural issues" [4] Group 3: Agricultural Insurance Support - The central government has provided subsidies for 16 types of agricultural insurance, with various regions also offering support for local specialty agricultural insurance [6] - Currently, the number of agricultural insurance products covered exceeds 500, encompassing all areas of agriculture, forestry, animal husbandry, and fishery, thereby supporting agricultural production increases and farmer income growth [6]