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Core Viewpoint - The financial services in Datong are significantly enhancing the development of local特色产业, particularly the "Three Yellow and One Red" agricultural products, through innovative credit and insurance solutions [1][2][3]. Group 1: Financial Support and Innovation - Datong Sanli Group Agricultural Co., Ltd. has received 130 million yuan in credit support, benefiting around 6,000 flower growers through an integrated operation model [1]. - Banks have introduced innovative medium- and long-term credit products like "Huanghua Loan" and "Huangqi Loan" to match the long investment cycles of these industries, alleviating operational pressures [2]. - By the end of November 2025, banks in Datong are expected to provide over 2.5 billion yuan in credit support for the "Three Yellow and One Red" industries [3]. Group 2: Insurance Products and Risk Management - Customized insurance products such as complete cost insurance for Huangqi and weather index insurance for millet have been developed to mitigate risks for farmers [2]. - The insurance sector has provided risk coverage amounting to 3 billion yuan, benefiting over 12,000 operating entities [3]. - A cost-sharing mechanism involving fiscal subsidies and farmer contributions has been established to lower industry risks [2]. Group 3: Industry Development and Future Outlook - The transformation of the Huanghua industry into a diversified product matrix is projected to achieve a total industrial chain output value exceeding 4 billion yuan by 2025 [1]. - The recognition of local products like Hengshan Huangqi and Guangling Huangxiaomi as "National Geographical Indication Protected Products" enhances the brand value of Datong as "China's Huanghua Capital" [3]. - The focus on high-quality development and the cultivation of new business models aims to shift farmers from relying on natural conditions to informed agricultural practices [3].