金融服务"三农"需要发挥农业保险的作用。中国农业科学院农业风险管理研究中心首席科学家张峭表 示，保险公司应推进物联网、遥感、人工智能、大数据等现代科技手段在农业保险上的应用，需要鼓励 相关机构加大科技研发投入力度。 中信银行作为股份制银行，紧扣"聚焦重点、突出特色"经营主线，将更多金融资源精准滴灌"三农"关键 领域。在黑龙江，中信银行聚焦粮食安全等乡村全面振兴重点领域，与北大荒（600598）农垦集团密切 合作，创设了"粮农贷"特色乡村振兴金融产品，切入农户真实种植场景，实现在线授信审批。截至2025 年2月已惠及3000多户农户，覆盖了北大荒集团超过60%的农场，"粮农贷"累计投放金额高达15.62亿 元。截至今年7月末，中信银行涉农贷款规模已接近5000亿元大关，贷款增速超10%。 为推动科技赋能农业保险，重庆金融监管局指导各保险公司围绕精准投保理赔，探索构建可视化、可校 验、可应用的数字地图。数字地图汇集地块信息、流转信息、承保农户信息，根据地块编码自动关联数 字地图并校验，确保"地、权、人"的真实与承保校验。利用低空卫星遥感影像，监测区域内作物生长 期、长势分级和损失分类，运用数字地图和AI分析，生产 ...

日前，国家金融监管总局发布二季度银行业主要监管指标数据显示，普惠型涉农贷款余额13.9万亿元， 较年初增加1.1万亿元。金融监管总局相关负责人表示，将持续深化"三农"金融体制机制改革，聚焦粮 食生产、县域富民产业、乡村建设等"三农"重点领域持续增强金融供给，不断提升金融服务"三农"质 效。 各类金融机构纷纷发力支持粮食生产。农业发展银行作为服务农业的政策性银行，积极筹措信贷资金全 力保障粮食收购，确保农民"粮出手、钱到手"。农发行山东分行强化科技赋能，提供高效便捷金融服 务。该行推动线上办贷模式，强化数字化办贷产品在服务夏粮收购中的作用，创新推出"智粮贷""竞拍 贷""竞采贷""中储e贷"等线上便捷办贷模式，持续丰富粮食信贷业务办贷管贷模式和手段。充分利用农 发行企业网银、手机银行、银企直联等电子支付渠道，提供7×24小时结算服务，满足企业节假日期间 的用款需求，确保现金供应不断档、不掉链。截至目前，已投放夏粮收购信贷资金80亿元。 为推动科技赋能农业保险，重庆金融监管局指导各保险公司围绕精准投保理赔，探索构建可视化、可校 验、可应用的数字地图。数字地图汇集地块信息、流转信息、承保农户信息，根据地块编码自动关 ...

Core Viewpoint - The company emphasizes the importance of building a credit system to support rural revitalization and promote inclusive finance, focusing on enhancing financial services for the real economy [1]. Group 1: Credit System Construction - Since 2022, the company has developed targeted credit products like "Grain Farmer Loan" and "Crab Farmer Connection" to support food security and key rural industries [2]. - In 2024, the company plans to enhance the coverage and adaptability of rural inclusive finance by collaborating with local government agencies to build an industry credit system based on credit information from upstream and downstream enterprises [2]. Group 2: Innovation in Financial Products - The company has created over ten multi-dimensional credit scoring models for agricultural entities, facilitating precise credit assessments based on various operational and credit conditions [3]. - New financial products such as "Xingnong E-loan" and "Xingnong Industry Loan" have been introduced to address the needs of modern agricultural operators and ensure financial support for farmers [3]. Group 3: Policy Support for Agriculture - The company employs various monetary policy tools to increase and reduce the cost of inclusive loans for agriculture, addressing the uncertainties in the agricultural sector [4]. - Collaborative efforts with local governments and insurance companies have led to risk-sharing mechanisms that significantly lower financing costs for agricultural entities [4]. - The company is committed to long-term efforts in building a robust credit system to contribute to rural revitalization and agricultural modernization [4].