展望未来，金融机构应不断创新金融产品和服务，让金融活水更精准、更高效地润泽沃野，使夏粮丰收 成为常态，为国家粮食安全保驾护航。 在生产阶段，信贷资金为农户和农企"输血供氧"。农业生产前期投入大，采购种子、化肥、农药等都需 要充足资金。今年夏粮播种初期遭遇旱情，形势一度严峻。各地金融机构迅速响应政策号召，创新产 品、优化流程，第一时间把"及时雨"送到田间地头，让种粮主体有底气抗旱保墒，确保夏粮稳产。 收购环节的资金保障同样关键。金融机构运用收购贷款、仓单质押等多元工具，为粮企提供资金支持， 力保农民"粮出手、钱到手"，既保护了农户种粮收益，也稳住了市场预期。 ■田耿文 产业升级同样离不开金融加持。金融机构加大对农业技术、智能装备、仓储物流的投入，推动良种、良 机、良法落地，让传统农业焕发新活力。 今年夏粮再获丰收。国家统计局日前发布的数据显示，2025年全国夏粮总产量达到2994.8亿斤，保持了 稳定的产量水平。这份稳定的产量背后，金融支持不可或缺。它如活水源源不断地精准滴灌，滋养着从 播种到收购的每一个环节，为国家粮食安全夯实底座。 当然，金融支农仍存短板：农村金融基础设施薄弱，服务"最后一公里"尚待进一步打 ...

中国发展网讯 记者高杨报道 7月10日，记者从山东省粮食和物资储备局召开的新闻通气会上获悉，近年 来，为支持粮食购销贸易企业和龙头加工企业健康发展，破解粮食收购企业融资难、融资贵、担保难等 问题，中国农业发展银行山东省分行创新推广信保基金贷模式。自2018年全省建设首支基金以来，农发 行已通过粮食收购贷款信保基金与78家粮食收购企业达成合作，累计发放信用保证基金模式下贷款183 亿元，支持收购粮食650万吨，有力保障了粮食收购市场健康运行。 动态管理，掌握"进度表"。启动募集后，立即在全省农发行系统内转发《募集通知》，部署相关工作， 正式启动基金认缴资格认定工作。对意向使用基金客户和基金认缴流程实行动态管理，及时实时掌握最 新业务进展。 加强培训，明确"责任田"。在全省粮棉油条线工作会议上，省分行分管副行长余飞同志再次对该项工作 进行了重点强调和部署，相关业务人员专门对省级粮食收购信用保证基金认缴流程和贷款办理流程进行 了讲解。辖内每个分支机构设置一名专职客户经理，确保信用保证基金业务咨询与办理精确到人，责任 到人，杜绝服务"真空"。截至目前，已向农发行申请粮食收购信用保证基金客户16家，意向缴存金额 500 ...

Core Insights - The Shandong Provincial Grain and Material Reserve Bureau has successfully launched the Grain Purchase Loan Credit Guarantee Fund, which has significantly contributed to food security by facilitating financial support for grain enterprises [2][4]. Group 1: Fund Performance and Impact - The first phase of the fund has raised a total of 260 million yuan, leveraging a 1:3 funding ratio between provincial finance and participating enterprises, resulting in a total loan issuance of 2.5 billion yuan to 61 grain enterprises [2]. - The fund has enabled the purchase of approximately 1.2 million tons of grain, with two-thirds of the participating enterprises being private, showcasing the fund's inclusive impact [2]. - The fund's operational model has been recognized as a best practice by the National Grain and Material Reserve Bureau, promoting it as a model for market-oriented financing in grain procurement nationwide [2]. Group 2: Second Phase Fund Launch - The second phase of the fund has been officially launched, with a fundraising period of 60 days starting from June 24, inviting enterprises engaged in grain-related activities to participate [3]. - The participation criteria require enterprises to be registered in Shandong and involved in grain purchasing, sales, storage, or processing, with a minimum contribution starting at 1 million yuan [3]. - The fund maintains the same financial support ratio of 1:3, aiming to reduce financing costs for enterprises while ensuring timely benefits from the fund's operations [3]. Group 3: Strategic Importance - The Grain Purchase Loan Credit Guarantee Fund is viewed as a crucial initiative for stabilizing the market, benefiting enterprises, and ensuring food security [4]. - The provincial fund office emphasizes the importance of optimizing services and maintaining a robust risk management framework to ensure effective fund utilization and recovery [4].

Core Viewpoint - The establishment of the Shandong Province Grain Purchase Loan Credit Guarantee Fund aims to enhance the management and operation of grain purchase loans, ensuring farmers' interests and market stability [1][2]. Group 1: Fund Management and Structure - The newly issued management method consists of seven chapters and forty-eight articles, covering the entire process of fund establishment, operation, and supervision [2]. - The fund has a total upper limit of 400 million yuan, with enterprises able to contribute up to 300 million yuan, which has proven sufficient to meet enterprise needs based on initial operational practices [2]. - The loan management process specifies application procedures and loan limits, allowing loans up to ten times the amount contributed by enterprises, while enhancing fund and inventory supervision [2]. - A nine-member fund management committee has been established, including leaders from three departments and the top two grain enterprise contributors, promoting a more grounded and fair decision-making process [2][3]. Group 2: Flexibility and Risk Management - The participation process has been made more flexible, allowing enterprises to join the fund two months before the summer and autumn grain purchases, catering to their dynamic needs [2]. - The exit mechanism has been optimized, allowing for immediate refunds in cases of non-approval or loan denial, and permitting enterprises to exit during the fund's liquidation period [2]. - Stricter risk control measures have been introduced, including a "double zero" requirement for bank loans and grain inventory before the next purchase season to mitigate risks related to grain hoarding and price fluctuations [2]. Group 3: Policy Stability and Implementation - The fund's duration has been extended from three years to five years, enhancing policy continuity [3]. - To maximize the effectiveness of the policy during the critical summer grain purchase period, the Shandong Province Grain and Material Reserve Bureau has implemented three specific measures to assist grain enterprises in participating in the fund [4]. - These measures include issuing recruitment notices to grain administrative departments, providing business consultation contacts on the bureau's website, and establishing a "one-stop" service mechanism for comprehensive guidance [4].

Core Viewpoint - The article highlights the efforts of the Agricultural Development Bank in Qiangang County to promote ecological and economic development through financial support for grassland restoration and management projects, aligning with national "dual carbon" goals [1][2]. Group 1: Financial Support and Projects - The Agricultural Development Bank in Qiangang County has provided a loan of 267 million yuan to support the quality improvement and large-scale management of state-owned grasslands [1]. - The project includes the restoration of 110,000 acres of grassland, with specific activities such as reseeding 36,000 acres, improving 43.6 kilometers of access roads, and managing 7 kilometers of erosion channels [1]. - The loan signifies a new momentum in serving ecological restoration and high-quality economic development in the county [1]. Group 2: Agricultural and Economic Context - The bank's initiatives are part of a broader strategy to support rural revitalization, ensuring food security and connecting poverty alleviation efforts with rural development [2]. - As of July 10, the bank has disbursed a total of 342 million yuan in loans, with a loan balance of 1.544 billion yuan [2]. - The bank has also provided 80 million yuan in loans to local grain purchasing enterprises, helping stabilize the grain market and address farmers' selling challenges [2]. Group 3: Operational Improvements - The bank has implemented efficient service measures, including a "green channel" for quick settlements and appointment-based account management to enhance customer experience [2]. - The promotion of online business processing has significantly reduced the time required for in-branch transactions, improving overall operational efficiency [3]. - The bank plans to continue supporting national food security and rural revitalization efforts in the second half of the year [3].