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 ...

Group 1 - The core objective of the "2025 Digital Rural Development Work Points" is to ensure that by the end of 2025, over 90% of administrative villages in China will have access to 5G networks, enhancing digital technology's role in food security and poverty alleviation [1] - The work points outline 26 key tasks across 9 areas, focusing on improving rural network infrastructure, accelerating the digital transformation of rural facilities, and promoting the integration and sharing of agricultural data resources [1][2] - The initiative aims to enhance the digital governance efficiency and information service levels in rural areas, thereby narrowing the urban-rural gap and promoting integrated development [1] Group 2 - The work points emphasize the acceleration of smart agriculture development, promoting the innovation and application of smart agricultural technologies, and enhancing the digitalization of the entire agricultural supply chain [2] - It includes the implementation of subsidies for purchasing advanced agricultural machinery and the integration of digital technologies such as 5G, big data, and artificial intelligence into agricultural equipment [2] - The initiative also encourages the development of new rural industries and business models, supporting high-quality rural e-commerce and the integration of agriculture with culture and tourism [2] Group 3 - The work points highlight the need to improve digital inclusive services in rural areas, focusing on enhancing digital education, health services, and financial services for rural populations [3] - It promotes the digital upgrade of agricultural financial products and services, aiming to improve accessibility and coverage of inclusive financial services in rural areas [3] - The initiative calls for a diversified funding mechanism to support digital rural projects, leveraging existing financial channels and encouraging participation from both state-owned and private enterprises [3]