每經AI快(kuai)訊，近(jin)日，北(bei)京(jing)銀保監局印(yin)發《北(bei)京(jing)銀保監局辦公室關于銀行業(ye)保險業(ye)做好2023年全(quan)面推(tui)進鄉村(cun)(cun)(cun)(cun)振(zhen)興重點工作的通知》（下稱(cheng)《通知》），督導轄(xia)內銀行保險機(ji)構圍繞(rao)全(quan)力保障糧(liang)食和重要農(nong)(nong)產(chan)(chan)品穩產(chan)(chan)保供、切實(shi)(shi)助力鞏固拓(tuo)展(zhan)脫貧攻堅成果、大(da)力支持(chi)農(nong)(nong)業(ye)中關村(cun)(cun)(cun)(cun)和“種業(ye)之都”建(jian)設、積極投(tou)入(ru)鄉村(cun)(cun)(cun)(cun)產(chan)(chan)業(ye)振(zhen)興、創新(xin)支持(chi)和美鄉村(cun)(cun)(cun)(cun)建(jian)設、持(chi)續改(gai)善新(xin)市民金融服務等農(nong)(nong)業(ye)強國建(jian)設重點領(ling)域，不(bu)斷(duan)強化農(nong)(nong)村(cun)(cun)(cun)(cun)金融服務能力建(jian)設，提升(sheng)“三農(nong)(nong)”保險服務質效，穩定加大(da)涉農(nong)(nong)信貸投(tou)入(ru)，為(wei)北(bei)京(jing)市扎(zha)實(shi)(shi)推(tui)進鄉村(cun)(cun)(cun)(cun)振(zhen)興、率先基本實(shi)(shi)現農(nong)(nong)業(ye)農(nong)(nong)村(cun)(cun)(cun)(cun)現代(dai)化提供有力支撐(cheng)。

《通知(zhi)》強調，各銀行保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)機構要創(chuang)新涉農(nong)(nong)金融產(chan)品(pin)和服(fu)務(wu)模(mo)式，針(zhen)對涉農(nong)(nong)經營主體的融資需求(qiu)特點，在貸(dai)款(kuan)(kuan)利率(lv)、擔保(bao)(bao)(bao)條(tiao)件、貸(dai)款(kuan)(kuan)期限等方面(mian)制定差異化政策，發展首貸(dai)、信用貸(dai)以(yi)及與生產(chan)經營周期相匹配的中(zhong)長期信貸(dai)。要積(ji)極拓(tuo)展農(nong)(nong)村合格抵(di)質(zhi)押(ya)品(pin)范圍，探索豐富增信方式，可(ke)將農(nong)(nong)業(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)單(dan)作(zuo)為(wei)增信參考。要積(ji)極開發風險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)障程度高、費率(lv)合理、可(ke)推廣(guang)的農(nong)(nong)險(xian)(xian)(xian)(xian)產(chan)品(pin)，研發投(tou)保(bao)(bao)(bao)門檻低、責任適度、價格實(shi)惠、條(tiao)款(kuan)(kuan)易(yi)懂的意外險(xian)(xian)(xian)(xian)、定期壽險(xian)(xian)(xian)(xian)和補充(chong)醫(yi)療保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產(chan)品(pin)，創(chuang)新發展各類投(tou)保(bao)(bao)(bao)簡單(dan)、交費靈活(huo)、收益穩健、領取形式多樣(yang)的養老保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產(chan)品(pin)，不斷改進(jin)涉農(nong)(nong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)服(fu)務(wu)質(zhi)量。要加大科技應用力度，提(ti)(ti)升數字化、信息化服(fu)務(wu)水(shui)平，提(ti)(ti)升主動(dong)服(fu)務(wu)意識(shi)和能力。（上(shang)證報）