打通金融支持“最后一公里”

Core Viewpoint - The Ministry of Agriculture and Rural Affairs emphasizes the need to accelerate the transformation and application of agricultural technology achievements and strengthen the agricultural technology promotion system to support high-level agricultural modernization [1] Group 1: Agricultural Technology Transformation - The transformation of agricultural technology from laboratories to fields involves characteristics such as "high investment, long cycle, high risk, and light assets," which requires substantial financial support [1] - To better support agricultural modernization, banks should shift from traditional "mortgage-based" thinking to a credit logic centered on technological innovation, maturity of results, and market prospects [1] Group 2: Financial Product Innovation - Product innovation is crucial to solving the financing challenges in agricultural technology, requiring banks to upgrade from "single-point support" to "full-cycle coverage" [2] - During the research and development phase, banks should introduce "Agricultural Technology R&D Loans" to support equipment procurement and variety rights development with long-term low-interest funding [2] - In the trial phase, banks should promote products like intellectual property pledges and variety rights mortgages to convert technology patents into financing credentials [2] - For the promotion phase, banks should design "Technical Promotion Special Loans" for technology specialists and develop "Convenient Technology Adoption Loans" to simplify processes and reduce interest rates [2] Group 3: Ecological Collaboration and Digital Transformation - Ecological collaboration is key to enhancing the effectiveness of financial services in agricultural technology transformation, requiring banks to connect with agricultural departments to match financing needs with financial services [2] - Banks should actively participate in government-led agricultural technology risk compensation mechanisms and deepen the "bank + guarantee + insurance" risk-sharing model to mitigate credit losses from natural and market risks [2] - Digital transformation provides new momentum for precise services, with banks needing to invest in financial technology to create dynamic monitoring systems using satellite remote sensing and IoT [2] - The establishment of a smart agricultural service platform can integrate information and create credit profiles for technology entities, enabling "online applications and intelligent approvals" [2]