不管贷款多少，担保费只收100元

Core Insights - The introduction of a new agricultural financing guarantee fee subsidy policy in Rugao City significantly reduces the cost of loan guarantees for agricultural operators, from 24,000 yuan to just 100 yuan for a 3 million yuan loan [1] - This policy is the first of its kind in Jiangsu Province, providing a fixed guarantee fee and substantial financial support from local government [1] Group 1 - The policy allows agricultural entities in Rugao, such as family farms and cooperatives, to benefit from a 50% subsidy from Nantong City, with the remaining costs covered by the Rugao municipal government [1] - Traditional guarantee fees in the region range from 0.5% to 1.5% of the total guarantee amount, which has been a significant burden for businesses in the low-margin grain industry [1] - The new model aims to alleviate the financial strain on agricultural businesses while addressing banks' concerns about lending risks in the agricultural sector [1] Group 2 - The policy employs a "fixed fee + two-level subsidy" approach, which not only alleviates banks' lending concerns but also provides farmers with access to low-cost financing [2] - It features an "automatic enjoyment" mechanism, where agricultural operators do not need to apply for subsidies; the system automatically calculates the financial benefits during the loan guarantee process [2] - The initiative is expected to benefit over 350 agricultural operators within a year, facilitating more than 400 million yuan in guarantee business [2]