“钱等粮”助力粮归仓

Core Viewpoint - The central economic work conference emphasizes the importance of ensuring grain production and highlights the role of financial institutions in supporting grain procurement to safeguard national food security [3]. Group 1: Financial Support for Grain Procurement - Policy-based financial institutions, such as the Agricultural Development Bank, are actively providing credit support for grain procurement, with a total of 741 billion yuan in grain and oil purchase loans issued, an increase of 4.2 billion yuan year-on-year, supporting the purchase of 1,781 billion jin of grain, which is 400 billion jin more than the previous year [4]. - As of the end of November, the Agricultural Development Bank's Heilongjiang branch has issued 172.8 billion yuan in grain procurement loans for the 2025 grain year, an increase of 13.8 billion yuan year-on-year, supporting the purchase of 110 billion jin of grain [5]. - The introduction of the "Zhongchu e-loan" product aims to provide liquidity for borrowers qualified for grain bidding, allowing for rapid loan approval and disbursement, with over 30 million yuan already issued [5][6]. Group 2: Personalized Financial Services - Financial institutions have initiated emergency service mechanisms to support grain procurement amid adverse weather conditions, ensuring smooth operations during the autumn harvest [7]. - Zhejiang Rural Commercial Bank has launched specialized financial products such as "Harvest Loan" and "Agricultural Input Loan" to alleviate funding difficulties for farmers, with 110.97 million yuan in loans issued to 140 farmers [7]. - The Industrial and Commercial Bank of China in Huzhou has efficiently disbursed 10 million yuan in loans to a modern agricultural enterprise to support its grain procurement efforts [8]. Group 3: Insurance Support for Farmers - Insurance companies have played a crucial role in providing rapid response mechanisms for farmers affected by adverse weather, with claims processed quickly to alleviate financial pressure [10]. - The Ping An Insurance Company in Shandong has implemented a comprehensive service strategy to ensure timely claims and support for farmers, with 406 claims adjusters and 76 drones deployed for efficient damage assessment [11]. - Jiangsu's financial regulatory bureau has urged insurance companies to enhance their emergency response mechanisms, ensuring rapid claims processing and utilizing technology for accurate damage assessment, with 5.55 billion yuan in claims paid to farmers by the end of October [12].