Group 1: Overview of Agricultural Development in Xining - Xining, located in the Qinghai-Tibet Plateau, has been designated as a "National Cool Vegetable Golden Planting Area" due to its unique cool climate, contributing significantly to vegetable production in the northwest region [1] - In 2024, Xining plans to cultivate 11,300 hectares of open-field vegetables, yielding 440,000 tons with a production value of 1.23 billion yuan, with 80% of cool vegetables being exported outside the province [1] Group 2: Financial Support for Vegetable Farmers - Agricultural Bank of China (ABC) in Xining has developed innovative financial services to support the vegetable industry, creating a "green channel" for farmers to access financial resources [1] - The "Rural Revitalization Vegetable Farmer Loan" was introduced in 2023 to address the financing needs of vegetable growers, providing loans based on credit and guarantees without requiring collateral [2][3] Group 3: Comprehensive Financial Product Matrix - ABC Xining has established a full industry chain financial product matrix, including "Rural Revitalization Vegetable Farmer Loan" for seed and fertilizer purchases, "Flow e-loan" for agricultural machinery, and "Mortgage e-loan" for logistics services [3] - As of now, ABC Xining has issued 200 million yuan in "Rural Revitalization Vegetable Farmer Loans," benefiting 1,687 farmers [3] Group 4: Smart Service Terminals - ABC Xining has implemented mobile credit terminals, allowing farmers to apply for loans directly in the fields, with same-day processing for loan applications [4] - The bank has organized 34 customer managers to provide on-site services, achieving an 85% online loan application rate for credit loans [4] Group 5: Financial Policy Education - ABC Xining has conducted financial education sessions to inform farmers about various loan benefits, including no collateral requirements and interest subsidies [5][6] - The bank has organized 60 "Three Rural Financial Lectures," serving over 900 farmers to enhance their understanding of financial products and agricultural techniques [6]