Core Viewpoint - The article discusses the financial support mechanisms being implemented in Songyuan City, Jilin Province, to enhance agricultural modernization and address challenges faced by the agricultural sector, including funding shortages and technological gaps [1][4]. Financial Support Mechanisms - The People's Bank of China Songyuan Branch has established policies to support agricultural modernization, including the "Songyuan Financial Support for Rural Revitalization Work Contact Mechanism" [2]. - A platform for government, banks, and enterprises to connect has been created, leading to an increase in agricultural loans, with a total balance of 70.841 billion yuan as of April 2025, reflecting a 4.66% growth [2]. - Financial institutions have been encouraged to innovate credit products tailored to agricultural needs, such as the "Hui Shou Loan" which uses a combination of guarantees to assist farmers and agricultural enterprises [2]. Agricultural Sector Focus - The financial institutions are focusing on key agricultural sectors, including corn, rice, and livestock, through targeted credit initiatives [3]. - As of the first quarter of 2025, loans for the "One County, One Industry" initiative reached 2.462 billion yuan, a year-on-year increase of 6.5%, benefiting 19,200 new agricultural operators and farmers [3]. Challenges Faced - Despite progress, challenges remain, including a mismatch between agricultural risks and financial institutions' risk preferences, leading to cautious lending practices [4]. - The rural financial service system is underdeveloped, with insufficient coverage and limited service capabilities in remote areas [4]. - Agricultural operators often lack the necessary collateral and financial knowledge, making it difficult to secure loans [4]. Recommendations for Improvement - To enhance financial support for agricultural modernization, it is recommended to establish a comprehensive risk-sharing mechanism, including government-backed insurance products [5][6]. - Improving the rural financial service system by increasing the number of financial service points in remote areas and promoting digital financial services is essential [6]. - Strengthening the financial literacy of agricultural operators and innovating collateral options can improve their access to financing [6]. Policy Coordination - Establishing a cross-departmental policy coordination mechanism is crucial for integrating financial, agricultural, and fiscal policies to ensure effective implementation [7].

Core Viewpoint - Financial support is essential for rural revitalization, yet there is a significant supply shortage in financial institutions serving rural areas, leading to difficulties in financing for farmers [1][3] Group 1: Challenges in Rural Finance - Rural financial services face numerous challenges, including small operating scales of farmers, lack of collateral, and high transaction costs for financial institutions [3][4] - The interest rates for loans in rural areas are significantly higher than those in urban areas due to these challenges [3] Group 2: Comprehensive Inclusive Credit Services - The company has established a comprehensive inclusive credit service system targeting small and micro customers in rural areas, emphasizing low thresholds and customer protection [4] - By the end of 2024, the company has covered 23 provinces and over 550 counties, reaching more than 1 million rural customers [4] Group 3: Innovative Online and Offline Service Model - The company employs a combined online and offline service model to enhance efficiency and reduce costs, integrating digital services with traditional financial offerings [5] - This model allows for sustainable coverage of small loan services in more rural areas [5] Group 4: Innovative Risk Control System - The company has developed an innovative risk control approach focusing on future cash flow and repayment willingness, utilizing big data and on-site investigations [6] - This system allows the company to provide credit services to farmers lacking traditional collateral [6] Group 5: Integration of Financial and Agricultural Production Services - The company combines financial services with agricultural production support, developing financial products tailored to specific agricultural needs [7] - It also offers comprehensive agricultural technical services to enhance the efficiency of fund usage and reduce production risks [7] Group 6: Close-to-Rural "Capillary" Service Network - The company has established a deep-rooted service network in rural areas, utilizing local partners to reduce information asymmetry and transaction costs [8] - By the end of 2024, the company has over 5,800 local service leaders, enhancing the connection between the company and farmers [8] Group 7: Successful Experience and Lessons - The company's practices highlight the need to consider the unique characteristics of rural finance, avoiding a simple replication of urban financial models [9] - Key successful strategies include a close service network, the use of digital technology to lower costs, and innovative risk control methods [9]

本报记者 陈衍水 又是吃虾好时节！每年春秋两季，对虾的肉质最为爽脆可口，蒜蓉粉丝蒸对虾更是闽南宴席上必不可少 的一道菜，让人大快朵颐。 对虾养殖产业是漳州市龙海区的农业支柱产业之一。当地植被保护较为完善，原始生态优势明显，地表 水资源丰富，具有发展对虾养殖业的先天条件，全区对虾养殖面积已达千万亩。 林文杰是当地对虾养殖专业户，最近想把已有的20亩虾塘扩大至35亩，还想增设育苗池5亩。然而，规 模扩大导致林文杰的资金周转出现困难，农行漳州龙海支行辖内海澄支行网点工作人员主动上门为他设 计融资方案，50万元纯信用"惠农e贷"3天之内就顺利到账。 "增收有盼头了，我可以用这笔款继续扩大规模和购买饲料。"林文杰高兴地对《农村金融时报》记者表 示。 "我们持续创新服务模式，精准对接全区对虾养殖业的资金需求，为养殖户提供便捷、高效的纯信用贷 款服务。"农行漳州龙海支行有关负责人告诉记者。 据介绍，近年来，农行漳州龙海支行为支持农村产业发展、助力农民增收致富，对辖内经营主体进行全 面细致的走访和对接，银行、农担公司、农户三方密切配合，为农户提供定制化金融服务。截至目前， 该支行针对对虾养殖产业累计投放纯信用贷款近8000万 ...