Core Viewpoint - The collaboration between the Tonglu County Meteorological Bureau, Tonglu Rural Commercial Bank, and PICC Tonglu Branch has led to the issuance of the first "Common Prosperity·Homestay Loan" of 2 million yuan in Hangzhou, marking a significant innovation in financial services and a strategic shift in meteorological services from disaster prevention to industrial empowerment [3][4]. Group 1: Financial Innovation and Support - The "Common Prosperity·Homestay Loan" aims to integrate meteorological services with financial support, focusing on risk reduction and creating a comprehensive meteorological risk management system for the homestay industry [3][4]. - The loan management guidelines incorporate meteorological disaster risk levels, defense capabilities, and insurance participation into the credit evaluation system, transforming "meteorological credit" into "financing advantages" [5]. Group 2: Disaster Prevention and Insurance Development - The establishment of the first local standard for meteorological disaster warning and emergency response for homestays in 2017 has standardized disaster prevention processes for over 200 homestays in the county [4]. - The introduction of the "homestay meteorological insurance" product in 2018 significantly reduced insurance costs for owners, with premium reductions of up to 44% [4]. - By 2024, the insurance participation rate for homestays reached 80.3%, with a total of 65 claims and nearly 500,000 yuan in compensation over the past three years [4][5]. Group 3: Broader Economic Impact - The integration of meteorological services into local economic development has provided new momentum for rural prosperity, enhancing the safety and competitiveness of the homestay industry [5]. - The collaboration has not only fortified the safety net for the homestay sector but also explored new pathways for meteorological services to contribute to rural revitalization [5].

Core Viewpoint - The article discusses the innovative collaboration between meteorology and finance in Hangzhou, aiming to transform weather variables into economic growth through a series of measures and initiatives [3][4]. Group 1: Measures and Initiatives - Hangzhou has launched 12 initiatives under the "Meteorology × Finance" collaboration to enhance high-quality development, including the development of meteorological financial services and the promotion of meteorological insurance [3]. - A local regulation titled "Hangzhou Climate Resource Development and Protection Measures" has been introduced to clarify the legal status of meteorological insurance and encourage financial institutions to innovate carbon financial products [4]. - The city aims to establish a comprehensive service system that includes meteorological monitoring, risk assessment, insurance pricing, and loan support [4]. Group 2: Agricultural and Insurance Innovations - Hangzhou has developed 24 types of meteorological index insurance covering 15 categories of agricultural products, with an average annual claim of nearly 100 million yuan over the past five years [6]. - The city has implemented a "zero-run" insurance claim process, reducing the time for obtaining meteorological proof from several days to five minutes [6]. - The insurance coverage for the local homestay industry reached 661 billion yuan in 2024, with a total premium of 4.72 million yuan [6]. Group 3: Future Developments and Integration - The city is exploring a three-in-one empowerment system of "Meteorology, Banking, and Insurance," aiming to create a new service model that integrates meteorological data with financial services [7]. - Financial institutions in Hangzhou plan to incorporate weather data into credit scoring and develop climate-related loans to support green industries and meteorological infrastructure projects [7]. - The collaboration between local meteorological agencies and banks aims to revitalize rural resources and promote the development of the rural homestay industry [7].