广东茂名：深耕普惠金改“试验田” 谱写乡村振兴新篇章

Core Viewpoint - Guangdong Maoming City is actively promoting the establishment of a national-level inclusive finance reform pilot, officially launched in September 2025, marking a significant step in enhancing local financial services and supporting regional economic development [1][3]. Group 1: Policy and Framework - The inclusive finance reform in Maoming began in 2020, progressing through three phases: initiation, goal clarification, and application guidance [1]. - Maoming adheres to a proactive approach of "not waiting, not relying, building while applying, and promoting application through construction," focusing on high-quality innovation in inclusive finance [2]. - A robust policy support system has been established, including guidelines for financial support of local agricultural projects, which strengthens the policy foundation for inclusive finance [2]. Group 2: Financial Products and Services - Innovative credit products tailored to local agricultural resources have been launched, including 23 unique financial products such as "Lychee Loan" and "Tilapia Loan," enhancing the visibility of Maoming's agricultural sector [2]. - The introduction of a digital credit model and the establishment of a comprehensive financial service system integrating commerce, logistics, and information flow have been initiated [2]. - A comprehensive agricultural insurance system has been developed, covering over 70 types of insurance products, including innovative price insurance for various agricultural commodities [2]. Group 3: Implementation and Collaboration - Following the pilot's launch, Maoming has actively engaged with provincial and higher-level departments to secure policy support and develop implementation plans [3]. - Major banks, including Agricultural Bank of China and Bank of China, have introduced specific measures to support the inclusive finance reform in Maoming, demonstrating strong institutional backing [3]. - The launch of the world's first financial meteorological innovation project, which includes lychee weather index insurance, addresses risks associated with agricultural production [3].