Jin Rong Shi Bao·2026-01-07 01:46Core Viewpoint - The article highlights the transformation of rural assets in Guangxi through financial innovation and technology, addressing the challenges faced by the agricultural sector and promoting sustainable development in rural areas [1][11][21]. Group 1: Challenges in Rural Development - Rural areas in Guangxi face multiple challenges, including asset dormancy and industry shackles, which hinder development [4]. - The lack of standardized valuation systems for livestock and other agricultural assets makes it difficult for farmers to secure loans from traditional banks [5]. - Natural and market risks, such as flooding and price volatility, further exacerbate the vulnerability of agricultural production [6][8]. Group 2: Financial Innovations and Solutions - Financial institutions are innovating by developing policy insurance for local agricultural products, such as the "富硒星油藤" brand, which has secured insurance coverage of 4.1592 million yuan for 1,040 acres [3]. - The introduction of property rights certificates for aquaculture has allowed farmers to convert their rights into collateral, facilitating access to credit [11][12]. - Advanced technologies, such as AI facial recognition for livestock, have improved the efficiency of insurance and loan processes, enabling better risk management [12]. Group 3: Collaborative Financial Ecosystem - A collaborative model involving insurance, credit, and government support has been established to address financing challenges in the agricultural sector [12][21]. - The implementation of tailored financial products, such as marine carbon sink loans and index insurance for aquaculture, has been initiated to support specific agricultural needs [15][21]. - The establishment of e-commerce platforms and training programs for local farmers aims to enhance market access and sales of agricultural products [16][18]. Group 4: Systematic Policy Support - The People's Bank of China has implemented policies to provide financial resources to the agricultural sector, including fiscal subsidies and risk compensation mechanisms [19]. - The promotion of digital credit profiles for farmers has facilitated access to unsecured loans, significantly increasing loan amounts for agricultural projects [20]. - The establishment of a financial service command center for the sugar industry has led to the development of specialized financing models that support the entire supply chain [21].