原标题：构建全链条多维度海洋金融服务体系 "金融+海洋"：青岛加速引"金"入海 打造现代海洋经济发展高地，高效、精准、多元的金融支持必不可少，加速引"金"入海，成为青岛金融 业的耀眼亮色。 记者自市委金融办获悉，今年以来，全市金融机构聚焦"4+4+2"现代海洋产业体系，持续构建"全链条、 多维度"的蓝色金融服务体系，不断拓宽"金融+海洋"的融合边界，多措并举提升金融服务质效。 截至三季度末，青岛主要银行机构涉海贷款余额1478.99亿元，较年初增长39.70%。 打造海洋金融"生态圈" 作答服务海洋经济这道题，需政银企协同发力，构建适宜的生态圈，为青岛海洋经济发展注入源源不断 的金融"活水"。 今年以来，青岛持续完善服务海洋经济的政策制度体系，出台《青岛市金融支持实体经济高质量发展行 动方案》，将现代海洋产业体系纳入重点支持方向，引导更多金融资源投入海洋产业；市委金融办联合 青岛金融监管局、市海洋发展局等部门印发《关于推动青岛海洋保险高质量发展的指导意见》《关于青 岛银行业保险业支持海洋经济高质量发展的指导意见》，提出26项支持举措，鼓励银行保险机构健 全"金融+海洋"融合服务体系，构建海洋经济高质量发展良好 ...

Core Viewpoint - The article highlights the innovative financial support models for agriculture, specifically focusing on the marine economy, with China Life Insurance Group's marine ranch insurance model being recognized as a benchmark in the industry [1]. Group 1: Financial Innovation in Marine Economy - The Ministry of Agriculture and Rural Affairs organized a selection of innovative financial support models for agriculture, identifying "Top Ten Innovative Models" and "Top Ten Typical Cases" [1]. - China Life's marine ranch insurance model was selected due to its technological empowerment, risk reduction, and industry collaboration advantages [1]. Group 2: Establishment of Specialized Institutions - China Life established the Blue Insurance Development Center and Marine Data Research Institute in Weihai, Shandong, in July 2024 to enhance insurance services for marine ranches [2]. - The center's functions include policy research, talent training, product development, financial service innovation, risk monitoring, and service promotion [2]. Group 3: Product Innovation and Risk Management - The company is focusing on product innovation to address traditional insurance challenges, developing various index insurance products based on weather and marine ecology [3]. - Collaborative efforts with Guangfa Bank have led to a comprehensive service model combining insurance and credit, providing tailored financial solutions for marine ranch operators [3]. Group 4: Expansion of Service and Product Offerings - In 2024, the insurance service area expanded to nine provinces, covering 580,000 acres, with a year-on-year growth of 38.49% [4]. - The company developed multiple insurance products, including income insurance for various marine species, creating a multi-layered and comprehensive product system [4]. Group 5: Talent Development and Risk Reduction - The Blue Insurance Center has recruited 12 professionals to support innovation and service expansion in marine insurance [5]. - The implementation of a smart service model in Rizhao, Shandong, has helped local aquaculture operators enhance risk resilience through tailored insurance solutions [5]. Group 6: Future Directions - China Life aims to deepen supply-side reforms in marine insurance, focusing on smarter risk management tools, improved protection systems, and efficient financial services to support national strategies [5].

Group 1 - The insurance industry in Guangdong and Hainan is actively responding to the impact of Typhoon "Butterfly" by expediting the processing of marine ranch compensation cases to support affected aquaculture operators [1] - China People's Property Insurance Company in Zhanjiang initiated a rapid pre-compensation mechanism, paying out 1.43 million yuan in comprehensive insurance claims to aquaculture operators before the typhoon made landfall [1] - The rapid compensation is attributed to the "Yue Nong Bao" AI digital comprehensive service platform and the establishment of a "Marine Ranch Service Station," which enhances disaster reduction systems in Zhanjiang [1] Group 2 - The insurance industry is expanding marine aquaculture insurance products to address challenges such as difficult loss assessment and slow claims processing, with new products planned for 2024 [2] - China Life Property Insurance is developing various insurance products, including income insurance for golden pomfret and high-temperature index insurance for sea cucumbers, covering a wide range of marine products [2] - The introduction of technologies like GIS and big data analysis is aimed at improving monitoring and disaster reduction efficiency in marine ranches [2] Group 3 - To address high investment costs and financing difficulties in marine ranching, China Life Property Insurance is optimizing the "insurance + credit" service model in collaboration with Guangfa Bank [3] - A tailored service plan was created for a deep-sea salmon farming project, providing 85.73 million yuan in risk coverage and facilitating a loan credit of 50 million yuan [3] - The insurance industry aims to enhance risk management tools and financial services to support the sustainable development of marine ranching and contribute to the "blue granary" concept [3]