In the fields and farmlands of the Jianghuai region, a quiet financial innovation is unfolding across this land of hope. To anchor the goal of building a strong agricultural province and solve the dual bottlenecks of risks and financing in the areas of agriculture, rural areas, and farmers, Anhui Province has deployed and promoted the "agricultural insurance+" reform, guiding and leveraging more resources into the "three rurals" sector to drive comprehensive rural revitalization. As a mainstream bank deeply rooted in Jianghuai and serving the local community, Huishang Bank has anchored itself to the goal of building a strong agricultural province and innovatively launched the integrated product "Agricultural Insurance + Credit"—the Hui Nong Revitalization Loan. Using the "Government-Backed Insurance Loan" model as a key tool, it allows financial resources to precisely irrigate new agricultural business entities. This innovative move not only carves out a new path for the bank's high-quality development in agricultural finance but also transforms agricultural insurance policies into "golden keys for financing," injecting strong financial momentum into improving the quality and efficiency of rural industries and increasing farmers' incomes and prosperity.
Timely financial "rain" accelerates harvesting and land expansion. "I wanted to take on a thousand acres of land to expand my planting scale, but with no collateral and unable to get a loan, I almost let a great opportunity slip away!" said Mr. Wang, a major rice grower in Lashu Town, Huaining County, who has been deeply involved in farmland contracting for over a decade and now manages more than 1,000 acres of paddy fields. In 2024, with 1,000 acres of idle land nearby available for transfer and an urgent need to purchase agricultural machinery for his own rice harvest, the dual funding requirements for both acquiring land and adding equipment posed a significant challenge. The demand for collateral became a major "roadblock." His eagerly anticipated expansion plan remained stuck, and the large funding gap left him feeling helpless.
A turnaround emerged through Huishang Bank's precise outreach. Upon learning of Mr. Wang's difficulties, the bank's staff promptly visited him. Addressing his need for "no collateral and urgent funds," the bank broke from traditional credit models by converting his operational and risk protection status into a basis for financing credit. Through the "Hui Nong Revitalization Loan," the approval process was quickly initiated, and a 1 million yuan loan was disbursed promptly. This solved the problem of insufficient funds for the new 1,000-acre contracted land and also covered the cost of agricultural machinery purchases. Today, Old Wang's planting scale has doubled, and new machinery shuttles through the fields. What was once an "expansion难题" has become solid "confidence for a bumper harvest." Huishang Bank's "timely rain" not only addressed the "urgent need" for rural industrial development but also pressed the "accelerator button."
Dual protection from insurance and loans provides solid confidence for planting, breeding, and income growth. "With insurance to shoulder the risks and loans to solve problems, I feel much more secure about expanding production now!" exclaimed Boss Yang, a major rice-shrimp farmer in Huanglu Town, Chaohu City, standing on the ridge and smiling as he looked over the continuous rice-shrimp fields. Previously, having just paid three years of land rental fees, he was at a critical stage of preparing high-quality rice seeds, live shrimp fry, and eco-friendly organic fertilizer. Short on funds, his eagerly awaited harvest plan was stuck at the final hurdle of agricultural input preparation.
After an insurance company agent learned of Boss Yang's funding difficulties, they immediately recommended the "Government-Backed Insurance Loan" product and proactively connected him with Huishang Bank. The next day, a bank account manager arrived with a tailored solution: "Your insurance policy acts as a 'credit credential'; no additional collateral is needed, and funds can be disbursed quickly!" In just one day, a 500,000 yuan "Hui Nong Revitalization Loan" was successfully credited. Rice seeds were purchased, shrimp fry were released, and fertilizer was adequately prepared, rekindling hopes of prosperity on the shimmering water surfaces. Behind this success is Huishang Bank's precise understanding of the main pain points in agricultural production—"high risk and lack of collateral." Through a collaborative "bank + insurance" model, it has built a risk "safety net" for farmers, enabling them to venture boldly, invest with confidence, and walk steadily and broadly on the path of rural revitalization!
Services "reach down," bringing financial benefits "zero distance" to the people. Rural revitalization, finance leads the way. Huishang Bank has prioritized rural revitalization financial services as a key task. By signing strategic cooperation agreements with agricultural insurance companies and actively promoting the "agricultural insurance+" model, the bank jointly advances the implementation of "Government-Backed Insurance Loan" business, playing a symphony of "bank-insurance collaboration serving the three rurals." Focusing on key production nodes such as spring ploughing and seed preparation, scale expansion, and agricultural machinery upgrades, the two parties have established a regular communication and consultation mechanism. They regularly go deep into the fields, visit breeding bases and processing enterprises to accurately identify operational pain points and financing needs. By sharing information to break down service barriers, the bank and insurance sides exchange data on farmers' insurance participation and production operations, jointly compile credit support lists, and launch differentiated "Government-Backed Insurance Loan" plans for different business entities, building a solid "financial safety net" for "three rurals" clients.
Improving financial service efficiency hinges on technological empowerment. To make "Government-Backed Insurance Loan" services more efficient and convenient, in August 2025, Huishang Bank connected with the National Financing Credit Service Platform (Anhui) and successfully launched the "Hui Nong Revitalization Loan" on the Wan Shi Tong APP and its web portal. This truly achieves "data runs more, farmers run less," delivering online financing services directly to the field ridges.
Since the beginning of 2025, Huishang Bank has cumulatively disbursed 7.928 billion yuan in Government-Backed Insurance Loan business and agricultural guarantee loans, serving 9,204 customer instances and 185 distinct agricultural customer groups, providing a "timely rain" for farmers and new agricultural business entities. In the next step, Huishang Bank will continue to deepen the innovative practice of "Agricultural Insurance + Credit," optimize service processes, expand coverage areas, and channel more financial resources towards the countryside. It aims to contribute high-quality financial services to the construction of a strong agricultural province in Anhui, injecting a continuous stream of financial power into painting a new picture of a prosperous and beautiful countryside.
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