其次，提高履约的信用成本。一次爽约将导致预约账号及相关人员被暂停预约资格30天，多次爽约的暂 停期累进延长。 第三，用线上候补取代现场窗口登记，引导所有需求在同一序列中等待，减少现场排队的混乱和等待。 张雅楠/文 自2025年12月1日起，杭州灵隐飞来峰景区免收门票，线上预约即可入园。这是杭州城市发展理念的进 阶，将最好的公共资源平等地交还给市民与游客。 美好的初衷，在现实中接受着检验。两个月来，灵隐飞来峰景区免票预约整体运行良好，但也出现了新 问题：部分游客担心约不上，采取"先约上再说"或同时锁定多日名额的做法；不少未提前预约的游客则 在现场登记窗口大排长队。 数据显示，累计已有38万人次预约后爽约，平均爽约率接近20%。每日约而未到的游客数量呈上升趋 势，例如1月3日当天就有2.2万人爽约，超过当日核定入园总量的1/3。 面对新问题，景区管理方并未动摇免票的决心，而是迅速优化了预约机制： 首先，调整退约截止时间，从原先入园当日24时前，提前至入园前一日下午5点，让行程有变的游客尽 早释放名额，让机会回流给真正需要的人。 灵隐寺的免票实践，在运行初期付出了磨合成本，但重要的不是一开始就完美无缺，而是形成发现 ...

Core Viewpoint - The "Yinqi Bao" model developed by the Dalian Commodity Exchange addresses the long-standing issue of farmers facing difficulties in obtaining loans, which has hindered the modernization and scale of agriculture in China. This model creates a comprehensive safety net for farmers by integrating banks, insurance companies, futures companies, and leading enterprises, allowing for shared risks and benefits in the agricultural value chain [1][7]. Group 1: Loan Accessibility and Risk Management - Farmers have historically struggled with low loan limits, strict approval processes, and high interest rates due to a lack of effective collateral and unstable production [3]. - The "Yinqi Bao" model enhances farmers' creditworthiness by using income insurance policies and orders from leading enterprises as collateral, allowing banks to increase credit limits from around 500,000 yuan to 3 million yuan [3][4]. - The model shifts banks from being mere fund providers to integral partners in the agricultural value chain, thus improving risk management and financial support for farmers [2][7]. Group 2: Project Implementation and Financial Innovation - The "Yinqi Bao" project in Xinjiang's Tacheng covers 30,000 acres of corn cultivation with a project amount of 48 million yuan, increasing the insurance coverage to 1,600 yuan per acre [4]. - The project utilizes financial technology to ensure efficient fund flow, with a platform established for timely payments to farmers, thereby reducing operational costs and risks associated with traditional payment methods [5][6]. - The integration of data from various sources, including insurance and land transfer information, allows for a comprehensive assessment of farmers' credit profiles, facilitating better loan terms and conditions [4][6]. Group 3: Systematic Support for Agricultural Development - The "Yinqi Bao" model represents a shift from isolated financial support to a systematic approach that combines various financial instruments to support rural revitalization [7]. - By embedding a dual guarantee mechanism of "insurance + orders," the model fosters a cycle of risk-sharing, credit-building, and benefit-sharing among all stakeholders involved [6][7]. - The success of the Tacheng project illustrates the potential for replicating this financial model across different regions and agricultural sectors in China, promoting increased farmer income and industry efficiency [7].