How to make new breakthroughs in agricultural characteristic industries in the new era is the goal of ABC. As a large state-owned bank, Agricultural Bank of China Ningde Branch insists on serving rural revitalization as the top priority of its work. Focusing on Ningde's agricultural characteristic industries, we will constantly improve the system and mechanism, accelerate product innovation, strengthen scientific and technological empowerment, increase credit supply, fully provide financial services for agriculture, rural areas and farmers, and strive to build a leading bank serving rural revitalization.
As of August, 20021,the loans of Ningde Branch of Agricultural Bank of China increased by 3.343 billion yuan compared with the beginning of the year, of which the county loans increased by 2.868 billion yuan, accounting for 85.8% of the bank's loans. Agriculture-related loans increased by 654.38+469 million yuan compared with the beginning of the year, an increase of 460 million yuan year-on-year, which injected a steady stream of financial living water to help rural revitalization in eastern Fujian.
"Fishing Song" is loud and cheerful.
In recent years, Xiapu County in Ningde has vigorously developed the marine economy. With the continuous expansion of aquaculture scale, sea cucumber farmers and processing enterprises are facing the problem of insufficient funds. In order to solve this problem, Xiapu Sub-branch of Agricultural Bank of China established farmers' files, supported by big data, and granted loans of 654.38 million yuan to 200,000 yuan to farmers with good credit records, which provided financial guarantee for industrial development.
"With the strong support of the Agricultural Bank of China, our characteristic mariculture industry will definitely get better and better." Pan Chenglian, a farmer in Xiapu, is facing a shortage of funds because of the expansion of laver breeding. After learning the policy, Pan Chenglian immediately contacted Xiapu Sub-branch of Agricultural Bank of China, hoping to get credit support.
The account manager of Ningde Branch of Agricultural Bank of China asked the local farmers about abalone breeding and capital demand. Laishe
If people have something to say, they will. Xiapu Sub-branch of Agricultural Bank of China immediately set up a special financial service team to collect farmers' information from door to door, provide accurate financial services, and increase the loan amount of farmers from 6,543.8+10,000 yuan to 200,000 yuan.
Constantly enlarge the financial inclusive effect and make the "fishing song" cheerful. As of August this year, Ningde Branch of Agricultural Bank of China has supported 9,587 customers in the aquaculture industry, with a credit amount of 65.438+0.649 billion yuan, and supported 8,365.438+09 customers with a credit amount of 65.438+0.336 billion yuan.
Take care of the golden "leaves"
"The loan from ABC really helped me a lot. The problems of expanding the planting area of tea garden this year and the shortage of funds for building processing plants were solved in time. The loan procedure is very simple, the interest rate is very low, and the service is particularly good. " Wu Jingping, who lives in Kengliyang Village, Berlin Town, Fuding, Ningde, said excitedly.
Wu Jingping is a local tea farmer. He has been planting tea for many years. This year, he plans to expand the planting area of tea garden from 20 mu to 60 mu and build a new tea processing factory, but he is facing the pressure of lack of funds.
The account manager of Ningde Branch of Agricultural Bank of China asked the local tea farmers about tea planting and financial needs. Linshe
After learning this situation, Fuding Sub-branch of Agricultural Bank of China immediately organized the account manager to provide one-stop service, and combined with the actual capital needs of customers, increased the credit from 70,000 yuan to 300,000 yuan, and issued loans the next day, which solved the urgent needs of customers.
Connect people's hearts and help people's wealth. Since the beginning of this year, based on serving the pillar industry of tea, Ningde Branch of Agricultural Bank of China has taken the opportunity of establishing the National inclusive finance Reform Experimental Zone in Ningde, and on the basis of implementing the principles of "three realities" and "promoting the whole village", innovatively launched the "tea loan promotion" product, further deepening the financial services for customers in the tea industry.
Gutian county government issued preferential policies to encourage the construction of standardized mushroom sheds. Cheng Chunsheng wanted to seize the opportunity to do something big, but the lack of funds became a stumbling block. He calculated an account: this mushroom shed reconstruction needs to build 100 quasi-mushroom sheds. At present, 100 outer sheds and 73 inner sheds have been built, and each outer shed needs to be equipped with an intelligent environmental control system, and the construction capital needs 5.5 million yuan. In addition to raising 3.5 million, there is still a shortage of 2 million.
How to make up for such a big funding gap? Just when Cheng Chunsheng was at a loss, the inclusive finance Service Working Group of Agricultural Bank of China Ningde Branch went to Gutian County to publicize the "mushroom shed loan", and he immediately applied for a loan. After 200,000 yuan arrived, he quickly expanded the planting scale.
The account manager of Ningde Branch of Agricultural Bank of China understands the cultivation of edible fungi after the transformation of mushroom shed. Song photo
Farmers have the right to speak and finance responds. In view of the wide range of farmers in Gutian, Ningde Branch of Agricultural Bank of China focuses on providing micro-credit for innovative products of mushroom farmers. At the same time, it introduces the guarantee of provincial agricultural guarantee company, standardized mushroom shed mortgage and "two rights" mortgage. Moving the office and speeding up the examination and approval have sent funds to many mushroom farmers.
Through efforts, Agricultural Bank of China Ningde Branch supported the edible fungus industry loan to blossom and bear fruit in Gutian fertile soil. By the end of August this year, Ningde Branch of Agricultural Bank of China had supported 7,769 customers in edible fungi industry with a credit amount of 1.0 1 billion yuan, and supported 6,755 customers with a credit amount of 835 million yuan.
"Borrow" beauty to enrich the people
In the red education practice base project invested by Fujian Tourism Investment Group Co., Ltd., "timely rain" solved the "thirst for funds" of the project construction.
At the beginning of the project, the Ningde Branch of the Agricultural Bank of China actively intervened, and under the joint marketing and parallel operation of provinces, cities and counties, the project was granted a credit of 60 million yuan in less than one month, effectively solving the problems of imperfect supporting facilities and limited reception capacity in the development of red tourism in Xiadang Township.
Night view of Xiadang Township. Photo by Wu Weiwei
Tourism is an important characteristic resource. In recent years, Ningde Branch of Agricultural Bank of China has continued to take financial support for rural tourism development as the key work of rural revitalization, closely combined with Ningde's tourism resource endowment, based on the city's tourism poverty alleviation industry, actively explored the development model of tourism loan finance to promote tourism poverty alleviation, and promoted the development of local tourism by deepening tourism financial services. According to statistics, by the end of August this year, Ningde Branch of Agricultural Bank of China had supported the credit lines of seven companies in the tourism industry 14.4 yuan.
100 million yuan, 5 households use credit, the amount is 4 1 10,000 yuan.
"Sleeping" resources are reactivated.
To promote the high-quality and efficient development of agriculture, capital guarantee is undoubtedly an unavoidable link.
Taking circulation financing of rural production factors as a breakthrough, Ningde Branch of Agricultural Bank of China began a new attempt of "changing resources into assets, funds into shares and farmers into shareholders".
Sansha Town in Xiapu is a traditional land of fish and rice, and the fishing boat fishing industry is very prosperous. "There will definitely be a good harvest after starting fishing this year." Huang Baozhong, a local fisherman, said confidently. Behind his confidence is the credit support of the Agricultural Bank of China Xiapu Sub-branch.
Huang Baozhong has been engaged in fishing for more than 20 years. The fish market has improved this year, and he is going to expand the scale. However, due to the shortage of funds, when he was at a loss, Xiapu Sub-branch of the Agricultural Bank of China learned about his capital needs and immediately went to the door to accept the mortgage loan business for fishing boats. Soon 4.45 million was allocated to Huang Baozhong.
Different from solving the problem of capital turnover through fishing boat mortgage loan, Lin, a villager in Qingshan Village, Xin 'an Town, realized the realization of resources by investing in shrimp pond.
"A few years ago, the Agricultural Bank of China launched a credit loan. As long as our village is truly farmed, farmers without credit problems have basically applied for this loan. This year, the Agricultural Bank of China launched a factor of production financing loan, which realized the equity in our hands. I will borrow200,000 by myself. " Lin Yinfei said cheerfully.
The account manager of Agricultural Bank of China Ningde Branch inspected the fishing boat on site. Le Mei Fang
Try first, do well and succeed. Nowadays, Ningde Branch of Agricultural Bank of China promotes the transfer financing of rural production factors in tea, aquaculture, edible fungi, stone processing and other industries, so that customers can enjoy more convenient and inclusive financing, and the rural financial products of Agricultural Bank of China are also more grounded. According to statistics, since the beginning of this year, Ningde Branch of Agricultural Bank of China has handled 2,376 financing transactions for the transfer of rural production factors, amounting to 377 million yuan. (Wang Xiaoqiang, Wu Jie)
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