Core Insights - The Gansu rural credit system is being upgraded through innovative credit models that leverage data from various sectors, enabling farmers and agricultural cooperatives to access credit without traditional collateral requirements [1][2][8] Group 1: Credit Models and Innovations - The "Gansu Xinyi Loan · Long Xintong" platform has created a unified credit information database for 370,000 agricultural entities, facilitating over 700 billion yuan in credit loans [1][2] - The platform has led to a 14.26% year-on-year increase in credit loan financing, with an average approval time reduction of 80% [2] - Three innovative credit models have emerged: "Whole Garden Credit," "Sheep Chain Cloud Platform," and "Postal Logistics + Whole Village Credit," integrating credit assessment into agricultural operations [3][8] Group 2: Specific Case Studies - In Baiyin, the "Whole Garden Credit" model has established a credit assessment mechanism for agricultural parks, resulting in a total credit of 2.45 billion yuan for 158 entities [4] - The "Sheep Industry Chain Cloud Platform" in Qingyang utilizes blockchain and IoT technologies to create real-time credit profiles for sheep farmers, reducing loan approval times from 10 days to 1 day and lowering financing costs by 20%-30% [5][6] - The "Postal Logistics + Whole Village Credit" model in Tianshui has enabled farmers to receive credit loans quickly, with 9112 households evaluated and 3.77 billion yuan in loans issued [7] Group 3: Future Directions - The People's Bank of China in Gansu plans to continue optimizing the credit platform, enhancing data collection for agricultural insurance, subsidies, and tax incentives to improve credit supply in rural areas [2][8]