秋粮生产的关键时期，也是相关领域对金融服务需求的高峰期，银行应提前谋划，精准配置金融资源， 确保资金及时到位。一方面，加大对秋粮种植户信贷支持力度，特别是针对受前期低温、干旱等灾害影 响的地区，推出专项贷款产品，简化审批流程，降低贷款门槛，为受灾农户提供及时的资金支持，助其 恢复生产、补种改种，确保不误农时。另一方面，聚焦重点作物、重点区域，对秋粮主产区的种粮大 户、家庭农场、农民合作社等新型农业经营主体，提供差异化、个性化金融服务方案，满足其规模化种 植的资金需求。 秋粮生产涉及环节较多，需要多样化金融服务予以支持。银行应结合秋粮生产的季节性特点和实际需 求，创新金融产品和服务模式。例如，针对秋粮生产中的绿色技术应用、节水灌溉等项目，开发绿色金 融产品，助力农业可持续发展。 当前，全国进入主汛期，是农业灾害高发期，也是秋粮产量形成关键期。气象部门预计，7月份至9月份 我国降水呈现"北多南少"的特征，区域性和阶段性旱涝灾害明显。 金融科技的发展为银行服务秋粮生产提供了有力支持。银行应充分利用大数据、人工智能等技术手段， 提升金融服务效率。通过建立农业客户数据库，精准分析农户和农业企业信用状况、经营情况和资金需 ...

Core Viewpoint - The private economy is a vital source of vitality, innovation, and prosperity for Shanghai's urban development, playing an irreplaceable role in building an international economic, financial, trade, shipping, and technological innovation center. The "Private Economy Promotion Law" officially took effect on May 20, promoting the sustainable, healthy, and high-quality development of the private economy [1]. Group 1: Mechanism Foundation - The Industrial and Commercial Bank of China (ICBC) Shanghai Branch utilizes tools such as re-loans and rediscounting to expand customer service coverage and dynamically adjust financing costs for private small and micro enterprises in response to policy changes [2]. - The bank has improved the "error correction and duty exemption" system to enhance risk management and encourage lending to small and micro enterprises [2]. Group 2: Service Proximity - The ICBC Shanghai Branch has established a comprehensive network for inclusive financial services, having visited 18,500 small micro enterprises and provided credit support exceeding 27.7 billion yuan, with loans disbursed exceeding 24.2 billion yuan [3]. - The bank has launched various online financing products tailored to the common needs of private small and micro enterprises, including customized financing services and an upgraded "no repayment renewal loan" service [3]. Group 3: Product Empowerment - The ICBC Shanghai Branch has developed the "Small Micro Customer Innovation Loan" to meet the financing needs of technology-based small and micro enterprises, providing support exceeding 1.2 billion yuan to over 500 clients [5]. - The bank has innovated financing guarantee business models to offer a variety of financing products, enhancing risk-sharing functions for small and micro enterprises [5]. Group 4: Collaborative Creation - The ICBC Shanghai Branch is advancing a collaborative mechanism involving government, associations, banks, and enterprises to create an inclusive service ecosystem for private enterprises [7]. - The bank aims to continue building and improving long-term mechanisms to support the development of the private economy, providing prioritized and precise financial resource support for high-quality development [7].