Core Viewpoint - Postal Savings Bank of China in Qitaihe City is actively supporting the spring plowing work by providing financial services across the entire agricultural industry chain, with a total of 556 million yuan in agricultural loans disbursed to 1,034 households during the current spring plowing preparation period [1][2]. Group 1: Financial Support and Loan Adjustments - The bank has significantly reduced the interest rate on agricultural loans from over 5% to 3.4%, thereby lowering financing costs for clients and easing their operational burdens [2]. - This policy has been well-received by large planting households, ensuring that clients with good credit can maintain low financing costs [2]. Group 2: Customer-Centric Services - The bank has segmented the agricultural loan market based on clients' farming situations, offering tailored services such as online applications for small farmers and a combination of online and offline processes for larger clients [3]. - Specialized loan types are provided for specific groups like grain purchasers and cattle breeders, ensuring diverse funding needs are met [3]. Group 3: Technological Empowerment - Starting in Q4 2024, the bank has optimized processes by moving all loan application channels to its WeChat public account and mobile banking app, allowing clients to apply for loans from home [4]. - The bank has reduced collateral requirements, enabling qualified large planting households to receive credit based on trust without needing additional guarantees [4]. Group 4: Risk Mitigation and Client Support - For clients facing temporary repayment difficulties but willing to repay, the bank offers restructuring and extension options to alleviate risks and support normal operations [5]. - The bank has processed loan restructuring for four agricultural clients, amounting to 2.51 million yuan, effectively mitigating client risks [5]. - Mobile business equipment has been provided to customer managers to enhance efficiency in on-site investigations and loan processing [5].