Core Viewpoint - The "Weidan Flower Industry Loan" has been recognized as a typical product of inclusive finance, marking a significant step for Weifang in integrating characteristic industries with inclusive finance [1] Group 1: Product Overview - The "Weidan Flower Industry Loan" was developed by Weifang Guarantee Group to address financing challenges in the flower industry, which faces issues such as limited collateral, seasonal funding needs, and price volatility [3][5] - The loan utilizes a "government-bank-guarantee" risk-sharing mechanism and an online approval process, significantly lowering financing thresholds and costs [3][5] Group 2: Financial Ecosystem Innovation - The loan supports the entire flower supply chain, including upstream suppliers, midstream manufacturers, and downstream retailers, effectively covering all financing needs [5] - The loan process has been streamlined, reducing the number of steps from four to one and the required documents from 14 to 5, improving processing efficiency by over 80% [5] Group 3: Policy Collaboration - The loan is part of a broader strategy to enhance financial support for agriculture in Shandong Province, offering flexible terms and significantly reduced guarantee fees [7] - The average guarantee fee is only 0.2% per year, an 80% reduction compared to the typical 1% rate, leading to an overall financing cost reduction of over 30% [7] Group 4: Impact and Future Prospects - Since its launch, the "Weidan Flower Industry Loan" has served 128 clients, with a total business amount of 107.04 million yuan, promoting the upgrade of the flower industry towards scale, technology, and branding [8] - The success of this loan model provides a replicable and scalable experience for financial services in characteristic agricultural industries across the province [8][9]