Core Insights - The article highlights the financial support provided by Postal Savings Bank to a cooperative in Qinghai, which is crucial for their agricultural expansion and operations [1] - The overall growth of the cold-cool vegetable industry in Haidong City is emphasized, showcasing significant increases in both planting area and production [2] Financial Support and Innovations - Postal Savings Bank introduced a "planting industry loan" of 500,000 yuan to the cooperative, aiding in their urgent funding needs for expansion [1] - As of August, the total vegetable industry loan balance in Haidong City reached 620 million yuan, with a year-on-year growth of 76% [2] - The average interest rate for vegetable industry loans has decreased to below 5.3%, down 15 basis points from the previous year, supporting sustainable development [3] Industry Growth Metrics - The planting area for high-altitude cool vegetables has increased from 15,000 mu to 62,000 mu over the past five years, with production rising from 36,000 tons to 154,000 tons [2] - The total output value of the vegetable industry in Haidong City is 739 million yuan, contributing to an average annual income increase of 565 yuan per farmer [2] Monitoring and Quality Development - A price monitoring mechanism for high-altitude cool vegetables has been established to ensure price stability and informed decision-making [4] - Collaboration with various departments aims to optimize planting schedules and maintain reasonable price ranges for high-altitude summer vegetables [4] Financial Product Innovations - Financial institutions are encouraged to develop a comprehensive financial product system to meet the diverse financing needs of the cold-cool vegetable sector [5] - New loan products include "credit loans" for small amounts and "industry loans" for larger farming operations, with flexible repayment options [5] Collaborative Efforts and Support - The government and financial institutions are working together to enhance financial services for the vegetable industry, including the introduction of insurance products [7] - A "market-dealer-farmer" information platform is being developed to streamline the supply chain and reduce costs for vegetable exporters [7] Financial Education and Outreach - Financial institutions are conducting training and outreach programs to educate farmers about available financial support and agricultural practices [8] - As of August, multiple training sessions have been held, reaching over 2,400 farmers and businesses to improve financial literacy and access to loans [8]