今年以来，工商银行聊城分行积极响应服务"三农"、助力乡村振兴的号召，与高唐供销社深度合作，聚 焦为农服务中心、农民合作社、农户等涉农主体的金融需求，创新金融服务模式，加大涉农贷款投放力 度，为当地农业发展、农民增收注入金融活水，取得良好的经济和社会效益。截至2025年10月末，该行 已通过高唐供销社累计发放涉农贷款2010万元，惠及各类涉农主体23家，有效解决农业经营主体融资 难、融资贵问题。 三是优化产品服务，提升服务质效。聊城工行结合涉农主体实际，在农资供应、农产品流通等场景嵌 入"种植e贷""粮食购销贷""富农快贷""农担快贷"等产品，通过供销社渠道实现普惠金融服务下沉，让涉 农主体"足不出社"享受便捷金融服务。同时，简化贷款办理流程，开辟绿色审批通道，实现"快审快 贷"。为农服务中心某农资经营户通过该产品快速获得贷款，及时补充农资库存，保障周边农户春耕农 资供应。 四是践行普惠金融，助力产业发展。聊城工行坚持以涉农贷款为纽带，支持为农服务中心完善服务功 能，助力农民合作社发展特色种植、养殖产业，带动农户增收致富。某农业合作社通过助农贷款扩大种 植经营规模，不仅经营效益提升，还助力农户就业，形成"合作社 ...

Group 1 - The People's Bank of China Shaanxi Branch focuses on supporting agricultural production through policy guidance and financial resource allocation to ensure stable grain production and rural revitalization [1][5] - A comprehensive support framework has been established, emphasizing credit support for the entire agricultural supply chain, including production, circulation, storage, processing, and sales of key crops like wheat and corn [1][3] - By the end of August, the agricultural loan balance in Shaanxi Province increased by 41.992 billion yuan compared to the beginning of the year [1] Group 2 - Financial institutions in key grain-producing areas like Xianyang, Weinan, and Yulin are encouraged to develop tailored financial services to enhance support for autumn harvest and sowing [2] - As of the end of September, over 1 billion yuan in loans were issued to grain merchants and large-scale farmers in Xianyang [2] - In Weinan, financial institutions provided over 2 billion yuan in loans to the grain industry, benefiting more than 10,000 households by the end of August [2] Group 3 - The Agricultural Development Bank of China Shaanxi Branch is coordinating policy funds and market-based credit support to ensure sufficient funding for autumn grain purchases [3] - A total of 1.5 billion yuan in credit has been prepared to meet the loan demands of 25 grain purchasing enterprises [3] Group 4 - The "President + Chain Leader" mechanism is utilized to enhance financial services for key agricultural industry chains, such as apples and kiwifruit, during the autumn harvest [4] - By the end of August, the apple industry loan balance in Yan'an reached 10.945 billion yuan, while loans for the fruit industry in Tongchuan increased by 36.57% year-on-year [4] Group 5 - The People's Bank of China Shaanxi Branch continues to strengthen credit policy guidance and innovate credit products across the agricultural supply chain to support food security [5]

Core Viewpoint - The article highlights the proactive measures taken by financial institutions in Shandong Province to support farmers during the critical autumn harvest season, particularly in response to adverse weather conditions that have affected crop yields [1][3][14]. Financial Support and Risk Mitigation - Financial institutions are increasing disaster reduction funding and providing specialized financial products to support farmers in their autumn harvest and planting efforts [1][3][12]. - Insurance companies are utilizing technology such as drones and remote sensing to enhance damage assessment efficiency and expedite claims processing [14][15][17]. - The Shandong Provincial Financial Office has organized local financial systems to provide efficient services and support for autumn grain harvesting [3][12]. Agricultural Operations and Equipment - Various financial institutions are coordinating the use of agricultural machinery, such as tracked harvesters and mobile dryers, to assist in the timely harvesting and drying of crops [3][4][7]. - Specific initiatives include the establishment of agricultural machinery reserves and the donation of equipment to enhance drainage capabilities in affected areas [8][4]. Credit and Loan Initiatives - Agricultural banks have been actively providing loans to grain customers, with a reported total of 120.68 billion yuan in loans issued to 11,300 clients this year [11][13]. - The Industrial and Commercial Bank of China has introduced over 40 specialized financing products to meet the diverse needs of farmers during the autumn harvest [12][13]. Technology in Insurance and Claims Processing - Insurance companies are employing drones and remote sensing technology to quickly assess crop damage, with some companies reporting a 50% reduction in the time required for damage assessments [14][15]. - The use of a "green channel" for claims processing has been established to ensure rapid compensation for farmers, with some claims being paid within 24 hours of assessment [14][17]. Community and Volunteer Support - Insurance company volunteers are actively assisting farmers in harvesting crops, demonstrating a community-oriented approach to support during challenging weather conditions [5][7]. - Local financial institutions are also engaging in community outreach to ensure that farmers are aware of available resources and support [11][12].

Core Viewpoint - The article emphasizes the importance of the "Three Autumns" production in ensuring a bountiful harvest and completing annual grain tasks, highlighting the financial support provided by Shandong Industrial and Commercial Bank (ICBC) to facilitate this process [1] Group 1: Strengthening Credit Support - Shandong ICBC is closely integrating short-term financial support for the "Three Autumns" with long-term rural revitalization strategies, increasing agricultural credit to solidify agricultural infrastructure [2] - As of the end of September, the bank's agricultural loan balance exceeded 360 billion yuan, an increase of 42 billion yuan since the beginning of the year, providing robust support for "Three Autumns" production and sustainable agricultural development [2] Group 2: Innovative Financial Products - To address the diverse and frequent financing needs of "Three Autumns" production entities, Shandong ICBC has launched over 40 specialized financing solutions, including "Farming Quick Loan," "Agricultural Input Loan," "Grain Purchase and Sale Loan," and "Agricultural Machinery Loan" [4] - The bank has promoted online products like "Planting e-loan," covering over 100 types of crops with a maximum limit of 3 million yuan, effectively solving issues related to financing difficulties and delays [4] - By the end of September, the balance of inclusive agricultural financing solutions exceeded 7 billion yuan, reflecting a growth of 2.8 billion yuan and a 61% increase [4] Group 3: Integrated Service Channels - Shandong ICBC is innovating service formats to extend financial service reach in rural areas, creating an integrated service network that combines online and offline resources [6] - Utilizing a service model that includes county outlets, service points, mobile banking vehicles, and the "ICBC Rural Service" app, the bank aims to make financial services easily accessible for agricultural operators [6] - The bank is exploring partnerships with grassroots cooperatives to enhance service coverage and accessibility in rural markets [6] Group 4: Future Plans - Shandong ICBC plans to continue engaging with rural communities to understand their needs, focusing on the subsequent phases of "Three Autumns" production and future agricultural development [8] - The bank aims to establish a comprehensive financial service system that includes pre-research, in-process support, and post-tracking to contribute to national food security and rural revitalization efforts [9]