青岛市实施农村合作金融机构代发补贴的模式,将补贴兑付环节大踏步前置到财政部门审核之前,大幅缩短了农民领取补贴等时间。“家电下乡”的政策实施以来,财政补贴申领手续烦琐、兑付时间长成为顽疾,青岛市财政局探索出一套创新做法,使得“家电下乡”政策得到进一步优化。银企合作的启示 Qingdao City, the implementation of rural cooperative financial institutions on behalf of the subsidy model, the subsidy payment step before striding to the financial sector audit, substantially reducing farmers receive subsidies and other time. Since the implementation of the policy of “Home Appliances Going to the Countryside”, the procedures for obtaining financial subsidies are cumbersome and the time for redemption has become a chronic illness. Qingdao Municipal Bureau of Finance has explored a set of innovative practices to further optimize the policy of “bringing home appliances to the countryside.” Enlightenment from Cooperation between Banks and Enterprises