乐山云雾间的金融“链金术” 淬炼“峨眉山茶”香溢天下

Core Viewpoint - The article emphasizes the implementation of a "financial chain leader" system to support the "Emei Mountain Tea" industry, aiming to enhance the financial services for the entire tea processing industry chain, thereby boosting local economic growth and increasing farmers' income [1][2][5]. Financial Chain Leader System - The "financial chain leader" system is being implemented to provide tailored financial services for the refined tea processing industry, with Agricultural Bank of Leshan and Leshan Rural Commercial Bank designated as the financial chain leaders [2]. - As of the end of Q2, the tea industry in Leshan has a loan balance of 30.4 billion yuan, benefiting 35 core enterprises and driving 35,000 farmers to increase their income [1][2]. Mechanism Construction - A specialized task force has been established to ensure collaboration among various stakeholders, with responsibilities clearly defined to enhance the interaction between industry, finance, and fiscal policies [2]. - By the end of Q2, the tea industry had a guarantee balance of 480 million yuan and an insurance balance of 20.9 million yuan [2]. Financial Products and Services - The article highlights the introduction of 19 flexible credit products tailored for the tea industry, including "Huinong e-loan" and "Shuxin e-loan," to address the urgent funding needs of small and micro enterprises [3]. - Banks are encouraged to adopt a three-tier service model ("on-site service + branch staff + online self-service") to better understand the financial needs of tea farmers and processors [3]. Focus on Core Enterprises - Financial institutions are guided to provide financing support specifically for key enterprises within the refined tea processing industry, with a focus on innovative collateral models [4]. - The value of the "Emei Mountain Tea" regional public brand has reached 5.42 billion yuan, indicating its significant market presence [4]. Financial Support and Policy - The tea industry utilized 210 million yuan from the central bank's re-lending funds in the first half of the year, with loan interest rates dropping to 3.89%, a decrease of 41 basis points compared to the previous year [5]. - The ongoing efforts aim to transform Leshan into a "world green tea highland," continuously injecting financial support into the local tea industry [5].