"收稻子讲究时效，前一天办手续，第二天贷款就到账，一点不耽误事。"刚办完贷款手续的李旺大哥同 样也为该支行的"夏粮收购绿色通道"点赞。 据介绍，该支行简化审批流程，最快两天即可放款，匹配收购旺季"分秒必争"的节奏。"一次授信、循 环使用"模式更显贴心，3年授信期内随用随贷，让资金周转灵活高效。截至目前，该支行已发放粮 食"产业贷"3000万元，助力收购水稻2000多万斤。 下一步，该支行将延伸服务触角至水稻加工、销售环节，持续优化贷款服务，让"产业贷"成为激活全产 业链的"金钥匙"，为夏粮收购及产业发展持续加速提供充足的资金支持。 ■本报记者 郑长灵 近期，邮储银行江西安福县支行以粮食"产业贷"为支点，从高额度、低利率、优服务三端发力，为水稻 收购主体注入金融活水，绘就"稻变现、钱到手"的丰收图景。 "水稻收购旺季，每天都要收购5万斤，以前总担心资金不足，收不到好稻子。现在有了300万元的额 度，心里踏实多了，周边几个镇的优质水稻我都敢放心收。"安福县农机专业合作社负责人李娜（化 名）看着眼前堆积如山的稻谷，笑容满面。该支行粮食"产业贷"单户最高300万元的额度，为各类收购 主体"输血供氧"，无论是专业合作社 ...

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].

吉林省延边州地处长白山（603099）腹地，自然环境优越，土地资源丰富，是我国人参核心产区，人参 产量占全国总量的40%以上。全州8个县（市）全部被纳入吉林省人参生产保护区，先后创建"长白山人 参"品牌原材料基地60个。近年来，中国人民银行延边州分行立足地区资源禀赋、产业特色，做好人参 产业"土特产"文章，指导辖内金融机构有效对接特色农业生产金融需求。截至2025年3月末，全州人参 产业贷款余额15.11亿元，惠及1256户经营主体，累计发放人参产业贷款5.18亿元，同比增长228.22%。 该行联合延边州农业农村局、财政局和国家金融监督管理总局延边监管分局等四部门组织召开延边州金 融支持人参产业发展座谈会，联合印发《关于做好金融支持延边州人参产业发展工作的通知》，制定 《金融支持延边州人参产业发展行动方案》，成立金融支持延边州人参产业发展工作专班，提出14条具 体措施，合力推进延边州人参产业全方位健康发展，力求全面增强人参产业各领域经营主体的融资能力 与金融服务可得性，推动金融资本与人参产业的深度融合与协同发展。指导金融机构通过定期走访调 研、培训等形式，深入了解企业融资需求和经营状况。今年以来，辖内金融机 ...