ecently, serious flood disasters occurred in many places in China, which posed a great threat to the safety of life and property of the broad masses of people. At present, it is very important to do a good job in flood control and disaster relief and post-disaster reconstruction financial services.

Financial institutions shoulder the mission of serving the real economy and ensuring social stability. In the process of disaster prevention and relief and post-disaster reconstruction, financial institutions need to closely focus on the needs of the affected people and enterprises, refine work measures, and take the initiative to provide warm financial services.

    In terms of establishing a disaster risk assessment system, financial institutions should accurately assess the needs of flood prevention and relief and post-disaster reconstruction in different regions. By analyzing disaster risk, meteorological data and geological information, financial institutions can predict the possible impact of disasters on the local economy and financial system in advance, adjust the allocation of financial resources in a timely manner, and minimize the impact of disasters on economic and social development and people's lives.

    In terms of financial product innovation, financial institutions should design and launch targeted products according to the characteristics and needs of disasters in different regions to ensure that enterprises and personnel affected by disasters receive adequate financial support. In this regard, the State Financial Supervision Administration specifically stressed that banking institutions are encouraged to develop special disaster relief credit products for small and micro enterprises, individual industrial and commercial businesses, agricultural and breeding enterprises and farmers, and new agricultural business entities in the affected areas.

    In terms of optimizing services, financial institutions should do special work, urgent work, smooth green channels, vigorously promote simple and online service methods, speed up the processing progress, and minimize the impact of disasters on people's lives. It is necessary to reasonably adopt differentiated support policies, timely find out the disaster situation of projects under construction and credit granting enterprises, take the initiative to contact customers affected by disasters, and improve the efficiency and pertinency of financial services. It is necessary to take the initiative to cooperate with relevant departments, actively cooperate with local governments to do a good job in rescue and post-disaster reconstruction, and jointly formulate disaster response plans.

    Post-disaster reconstruction is a systematic and arduous project. Financial institutions should actively fulfill their social responsibilities, innovate their service methods, give full play to their professional advantages, and better meet the diversified needs of post-disaster reconstruction. In particular, they should strengthen financial support for the reconstruction, upgrading and upgrading of infrastructure such as transportation, communications, gas, electricity, farmland water conservancy, flood and waterlogging prevention, and other key areas closely related to people's livelihood. We actively helped restore order in production and life after the disaster, and laid a solid foundation for stable economic operation. (Source: Economic Daily Author: Wu Yadong)