山东农业信贷担保公司绘就财金支农惠农“新画卷”

Core Viewpoint - Shandong Agricultural Credit Guarantee Company has successfully transitioned from "scale acceleration" to "quality improvement" over the past eight years, focusing on policy-driven financial support for agriculture and rural development, significantly alleviating financing difficulties for agricultural operators [1][2]. Group 1: Financial Performance and Impact - As of November 2025, the company has provided a total of 221.9 billion yuan in guarantee loans to the agricultural sector, supporting 330,000 agricultural operators, making it the only provincial agricultural guarantee company in China to exceed 200 billion yuan in cumulative guarantees [2][3]. - In the current year, the company added 23.1 billion yuan in guarantee amounts, with an outstanding guarantee amount of 31.72 billion yuan, maintaining a leading position among 33 provincial agricultural guarantee companies [2]. Group 2: Innovative Financial Solutions - The company has introduced innovative financial models, such as electronic warehouse receipt pledges, to address the financing challenges faced by agricultural operators lacking qualified collateral [3][4]. - The company has developed a comprehensive product system targeting key agricultural sectors, including "Agricultural Loan" and "Agricultural Service Loan," which have collectively provided 19.89 billion yuan in guarantee loans to 44,000 grain producers, covering over 14 million acres of planting area [4]. Group 3: Digital Transformation and Efficiency - The company has implemented a digital transformation strategy, creating an integrated guarantee business platform that covers the entire process and includes over 31 subsystems, enhancing operational efficiency and service quality [6][8]. - The digital initiatives have streamlined the loan application process, allowing for rapid approvals and reducing the time from application to funding to as little as 1-3 days [7][8]. Group 4: Collaborative Efforts and Risk Management - The company has established strategic partnerships with 233 banks, creating a collaborative model that shares risks and responsibilities, effectively addressing the challenges of financing in agriculture [11]. - The risk management framework includes a comprehensive data-sharing system and advanced technologies such as remote sensing, which have contributed to a low compensation rate of 0.67%, significantly below the national average [8][9]. Group 5: Support for Rural Revitalization - The company actively collaborates with local governments to enhance financial services for rural revitalization, establishing over 1,000 township workstations to ensure comprehensive coverage and support for agricultural operators [10][11]. - The innovative cooperation model has not only facilitated the implementation of agricultural policies but has also provided robust financial support for the modernization of agriculture and rural revitalization efforts in Shandong [11].