Core Viewpoint - The central government emphasizes the importance of developing characteristic agricultural industry clusters to enhance agricultural industrialization, which requires effective financial support to address existing challenges in rural finance [1][2]. Financial Services and Challenges - Financial institutions have developed products for characteristic agriculture but lack deep integration into the entire agricultural industry chain, leading to insufficient overall support [1]. - Issues such as difficulties in connecting production and finance, challenges in financing credibility, and an underdeveloped rural credit system hinder financial services for characteristic agricultural industry clusters [2]. Recommendations for Improvement - A new model of "industry cluster + chain bank + financial solutions" is proposed, where a designated bank acts as a chain bank for specific agricultural industry clusters, enhancing research and tailoring financial products to diverse needs [3]. - Risk mitigation measures should be improved by integrating agricultural subsidy funds and utilizing financing guarantees, agricultural insurance, and risk compensation funds to attract more financial resources into rural characteristic industries [3][4]. Innovative Financial Products - Financial institutions are encouraged to develop financing products based on core transaction data such as accounts receivable and orders, providing more flexible and efficient credit support for agricultural operators [3]. - Innovative insurance products, including income insurance, yield insurance, index insurance, and geographical indication insurance, should be developed to extend agricultural insurance services along the characteristic agricultural industry chain [4].