江南时报讯 秋分已过，寒露将至，秋收进入关键时期。启东农商银行以精准滴灌的"金融活水"助力当 地广大农户抢抓农时，确保颗粒归仓。 了解情况后，启东农商银行迅速启动"三农服务绿色通道"，由支行行长带队现场办公。针对农场"轻资 产"特点，精准匹配"苏农贷"产品，该产品无需抵押担保，依托政策风险分担机制，高效满足季节性资 金需求。最终，银行为该农场授信300万元，首笔50万元秋收资金迅速到位。此笔贷款也是该行今年以 来支持的家庭农场类秋收贷款之一，该类贷款总额已达3192.93万元。 有了资金支持，朱锦荣家庭农场的秋收工作得以有序推进，有效规避了天气风险。启东农商银行的秋收 金融服务不仅聚焦家庭农场等新型农业经营主体，更广泛覆盖农垦企业和个人农户，形成点面结合、全 面护航的支撑格局。 朱锦荣家庭农场是当地规模化种植的标杆，年营业额超千万元。今年秋收，农场面临多重压力：收割窗 口期短，10月中下旬出现连续降雨，须在雨前完成2000余亩作物抢收；秋收前需支付农机服务费、租赁 大型农机等，短期资金缺口约50万元；缺乏抵押物……一度陷入"有需求、难融资"的困境。 从个案到全域，精准"滴灌"的金融活水，稳稳托起了启东农户的丰 ...

Core Insights - The article discusses the impact of natural disasters on apple production and the varying responses of different agricultural entities to mitigate risks [1][2] - It highlights the role of financial institutions in supporting agricultural disaster prevention and recovery efforts, emphasizing the need for tailored financial services [2][5] - The growth of agricultural insurance in China is noted, with a significant increase in premium scale and coverage, indicating a more robust risk management framework [3][4] Group 1: Agricultural Production and Risks - Apple production in certain regions faces risks from natural disasters such as hail and frost, which can significantly affect yield and quality [1] - Different agricultural entities have developed varying strategies to cope with these risks, influenced by their financial capabilities and awareness of insurance options [1][2] Group 2: Financial Support Mechanisms - Financial institutions are increasingly involved in disaster risk management for agriculture, providing loans and insurance products tailored to the needs of farmers [5][6] - The agricultural insurance premium in China is projected to reach 150 billion yuan in 2024, covering 147 million households and providing over 5 trillion yuan in risk protection [3] Group 3: Agricultural Insurance Development - Since the implementation of agricultural insurance premium subsidy policies in 2007, the insurance sector has seen rapid growth, with innovative products being introduced to stabilize crop income [3][4] - The introduction of agricultural catastrophe insurance has gained traction, with pilot programs in several provinces, indicating a growing recognition of its importance in risk management [4][9] Group 4: Optimization of Financial Services - The need for optimizing financial service mechanisms is emphasized, particularly in agricultural insurance, to ensure that compensation is accurate and timely [8][9] - There is a call for better integration of disaster response resources, including data sharing among financial and agricultural sectors, to enhance the efficiency of disaster risk management [10]