全面建设社会主义现代化国家，最艰巨最繁重的任务仍然在农村。今年中央一号文件提出，"打造 特色农业产业集群，提升农业产业化水平"。特色农业产业集群发展离不开金融活水的精准滴灌，需要 充分发挥金融等要素作用，打通金融服务特色农业产业集群的堵点难点，为推进乡村全面振兴提供坚实 保障。 最后，创新组合担保方式。对无法提供标准化抵押物的农业经营主体，通过追加保证担保、各类生 产要素等非标准债权资产抵押方式，适度放宽准入条件、提高授信额度、简化业务流程，提升各类经营 主体的融资服务可得性和满意度。支持保险公司创设推广普惠性的涉农配套保险产品，重点研发收入保 险、产量保险、指数保险、地理标志保险等创新险种，推进农业保险服务向特色农业产业链上下游延 伸。 (本文来源：经济日报 作者系中共福建省委党校教授 闫兴) 金融机构虽然围绕特色农业产业开发了相应的金融产品，但大多没有深度嵌入特色农业产业链种植 养殖、加工、销售、流通等各个环节中，未形成对产业链整体支持的最大合力。从实际情况看，金融服 务助力特色农业产业集群还存在产融对接难、融资增信难、农村信用体系不健全等方面的问题。 首先，打造"产业集群+链长银行+金融方案"新模式。以 ...

央视网消息：最近一段时间，我国不少地方遭遇高温、洪水等自然灾害。在抢险救灾、恢复生产过程中，农业保险是重要的一环。如何通 过保险来防灾减损？来看总台央视记者王雷——财经老王的报道。 在我国农业保险体系中，最基础的是成本保险，它就像给农作物买了份"保本套餐"。当台风刮倒果树、冰雹砸坏大棚等灾害发生后，保险 公司会根据农户前期投入的种子、化肥、人工等成本进行赔付。而更高一级的收入保险则像是"收益稳定器"，它可以在因灾减产时提供理赔， 保障农民的基本收益。 目前，我国稻谷、小麦、玉米三大粮食作物完全成本保险和种植收入保险已经覆盖全国，而且国家对三大主粮的农业保险保费给予补贴， 中央财政最高补贴45%，省级财政保费补贴不低于25%，每亩地农户最少只需要负担几块钱的保费。 另外，我国还重点在地震易发区、地质灾害高发区、洪涝灾害易发重发区推广综合巨灾保险制度。目前，湖北、河北、陕西都已落地，它 的保障范围就包括这三省的农房。 保险是经济的"减震器"，农业保险的效果尤为明显。老王想起在一次采访中，有位农户拿到保险赔付款时说："有了这份保障，明年还敢 种地。"这句话背后，正是农业保险最朴素的价值——它不仅是灾后的经济补偿，更 ...

Core Viewpoint - The article discusses the financial support mechanisms being implemented in Songyuan City, Jilin Province, to enhance agricultural modernization and address challenges faced by the agricultural sector, including funding shortages and technological gaps [1][4]. Financial Support Mechanisms - The People's Bank of China Songyuan Branch has established policies to support agricultural modernization, including the "Songyuan Financial Support for Rural Revitalization Work Contact Mechanism" [2]. - A platform for government, banks, and enterprises to connect has been created, leading to an increase in agricultural loans, with a total balance of 70.841 billion yuan as of April 2025, reflecting a 4.66% growth [2]. - Financial institutions have been encouraged to innovate credit products tailored to agricultural needs, such as the "Hui Shou Loan" which uses a combination of guarantees to assist farmers and agricultural enterprises [2]. Agricultural Sector Focus - The financial institutions are focusing on key agricultural sectors, including corn, rice, and livestock, through targeted credit initiatives [3]. - As of the first quarter of 2025, loans for the "One County, One Industry" initiative reached 2.462 billion yuan, a year-on-year increase of 6.5%, benefiting 19,200 new agricultural operators and farmers [3]. Challenges Faced - Despite progress, challenges remain, including a mismatch between agricultural risks and financial institutions' risk preferences, leading to cautious lending practices [4]. - The rural financial service system is underdeveloped, with insufficient coverage and limited service capabilities in remote areas [4]. - Agricultural operators often lack the necessary collateral and financial knowledge, making it difficult to secure loans [4]. Recommendations for Improvement - To enhance financial support for agricultural modernization, it is recommended to establish a comprehensive risk-sharing mechanism, including government-backed insurance products [5][6]. - Improving the rural financial service system by increasing the number of financial service points in remote areas and promoting digital financial services is essential [6]. - Strengthening the financial literacy of agricultural operators and innovating collateral options can improve their access to financing [6]. Policy Coordination - Establishing a cross-departmental policy coordination mechanism is crucial for integrating financial, agricultural, and fiscal policies to ensure effective implementation [7].