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金融赋能乡村振兴——山东农担纵深推进“担保助粮行动”,全力护航“齐鲁粮仓”建设
Qi Lu Wan Bao· 2025-09-29 08:01
Core Viewpoint - The article emphasizes the implementation of the "Guarantee Assistance for Grain Action" by Shandong Agricultural Guarantee Corporation, focusing on providing financial support for the entire grain production and operation chain to facilitate rural revitalization and enhance the "Qilu Granary" construction [1]. Group 1: Financial Support Measures - Shandong Agricultural Guarantee Corporation has introduced a series of targeted relief measures to address the prominent issues of "difficult and expensive financing" faced by grain production entities. Starting from August 20, 2025, the guarantee fee rate for new grain planting guarantee business will be uniformly reduced to 0.3%, significantly lowering the comprehensive financing costs for grain producers [4]. - The company has relaxed access thresholds and innovated the calculation method for guarantee limits, linking them directly to planting income and acreage, while easing asset ratio restrictions, effectively enhancing the financing accessibility for large-scale operators [4]. - The service chain has been extended to cover the entire grain industry chain, from cultivation to sales, ensuring comprehensive financial support throughout the grain production cycle, thereby strengthening the foundation for rural industrial revitalization [4]. Group 2: Collaborative Efforts - Deepening collaboration among government, banks, and guarantee institutions is a crucial support for the "Guarantee Assistance for Grain Action." Shandong Agricultural Guarantee Corporation has enhanced strategic cooperation with provincial agricultural institutions, raising the guarantee limit for key operators like large grain producers to 10 million yuan, further meeting the funding needs of large-scale grain operations [8]. - The company continues to optimize the cooperation mechanism with banks, promoting unified credit standards, streamlining business processes, and implementing a time-limited completion system, significantly improving the efficiency of financing services in the grain sector [8]. Group 3: Digital Transformation - Shandong Agricultural Guarantee Corporation is leveraging digital transformation to inject technological momentum into the "Guarantee Assistance for Grain Action." The company has developed the "Potential Customer Engine 2.0" platform to connect with large grain producers and proactively address their financing needs [10]. - The gradual promotion of the "Online Agricultural Loan" product allows for the entire loan application, approval, and disbursement process to be handled online, greatly enhancing the convenience and accessibility of financing services, thus driving improvements in rural revitalization financial services [10]. Group 4: Future Plans - Moving forward, Shandong Agricultural Guarantee Corporation will continue to deepen the "Guarantee Assistance for Grain Action," strengthen organizational support, and ensure that policies reach the grassroots level [12]. - The company aims to continuously optimize products and services, deepen institutional cooperation, and explore diversified service innovation models, with a focus on enhancing support for large-scale planting, intensive management, and agricultural social services [12].