精准纾困，助力乡村产业振兴 为深入贯彻落实党中央、国务院和省委、省政府关于粮食安全与乡村振兴战略的决策部署，推动全国农担体系"担保助粮行动"落地见效，山东农担聚焦主责 主业，主动担当作为，以一系列靶向精准、务实高效的政策举措，全力赋能粮食生产经营全链条，为乡村振兴战略实施和更高水平"齐鲁粮仓"建设提供坚实 金融保障。 深化协同，政银担合力提质增效 针对粮食生产经营主体"融资难、融资贵"突出问题，山东农担推出一揽子精准纾困措施，切实降低种粮主体综合融资负担。实施大幅降费让利，自2025年8 月20日起，新发生粮食种植担保业务费率统一下调至0.3%，显著降低种粮主体综合融资成本。放宽准入门槛，创新额度测算方式，将担保额度与种植收 入、亩数直接挂钩，并放宽资产比例限制，有效提升规模经营主体融资可得性。延伸服务链条，推动业务向"耕、种、管、收、储、运、加、销"全产业链拓 展，实现对粮食产业的全周期金融支持，夯实乡村产业振兴基础。 深化政银担多方协同是山东农担"担保助粮行动"的重要支撑。一方面，山东农担深化与省供销社等省级涉农机构的战略协作，试点将种粮大户、农业社会化 服务组织等重点经营主体的担保额度上限提升至1000 ...

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].