Core Viewpoint - Postal Savings Bank is focusing on enhancing financial services for agricultural products to support rural revitalization, having issued 897 million yuan in grain purchase loans to over 1,000 entities by the end of September [1]. Group 1: Financial Services Initiatives - The bank has established a three-tier leadership mechanism to promote summer grain purchases and rural revitalization [1]. - It has introduced a new credit product with a maximum limit of 3 million yuan and increased single loan limits to 5 million yuan during peak grain purchase seasons [1]. - The bank has expanded its dedicated rural revitalization customer manager team to 55, optimizing service delivery by transitioning from "customer visits" to "bank visits" for faster loan approvals [1]. - A total of 134 business outlets have been established, with 85.07% located in counties and below, along with 943 card acceptance terminals to enhance rural financial service accessibility [1]. Group 2: Challenges and Solutions - The bank faces challenges such as irregular operations of new agricultural entities, lack of collateral, negative online loan records affecting credit, and information asymmetry leading to delayed financing [2]. - To address these issues, the bank suggests exploring online collateralization of "two rights" and promoting government-backed special quotas to reduce financing costs [2]. Group 3: Future Plans - The bank plans to continue optimizing financial services for "vegetable basket" products to inject more financial momentum into rural revitalization efforts [3].