Core Viewpoint - The "Nongeng Loan" financial product by Shandong Agricultural Guarantee Corporation has been optimized to support the entire agricultural value chain and promote rural revitalization in Shandong, ensuring food security and enhancing the agricultural sector's development [1][8]. Group 1: Product Overview - The "Nongeng Loan" is a policy-oriented inclusive financial tool aimed at providing low-cost, efficient, and widely accessible financial support to grain producers [1][8]. - The optimized product offers enhanced guarantee services, targeting grain farmers, family farms, agricultural cooperatives, and small agricultural enterprises [10][12]. Group 2: Financial Support and Impact - As of September 2025, Shandong Agricultural Guarantee has provided a total of 1.9 million yuan in guaranteed loans for the sweet potato industry in Zhaoyuan, significantly boosting farmers' income and contributing to rural revitalization [6][16]. - The loan product allows for a maximum loan of 4,200 yuan per mu for potato cultivation, with flexible terms and a maximum duration of three years [10][12]. Group 3: Accessibility and Efficiency - Farmers can apply for the loan through a WeChat mini-program, enabling a 24-hour online application process with quick loan disbursement [14]. - The platform connects with 228 banks, facilitating a "farmer orders, bank competes" service model, enhancing efficiency in loan processing [14]. Group 4: Performance Metrics - Shandong Agricultural Guarantee has provided a total of 218 billion yuan in guarantee support across the agricultural sector, serving over 320,000 entities [16]. - The company has maintained a low project default rate of 0.65%, significantly below the national average of 1.41%, and has received an A-level rating in risk management evaluations for six consecutive years [16].