Agricultural Development Bank of Dong'a County Branch: Create "boats" and "bridges" to support the green protective shield of the Mother River

The lack of effective assets and insufficient guarantee resources once became a problem for financial integration along the Yellow River. How can financial institutions contribute to "making the Yellow River a happy river that benefits the people"? As the only agricultural policy bank in Dong'a County, the Dong'a County Branch of the Agricultural Development Bank of China tailored itself to create "boats" and "bridges" from scratch to support a solid green protective shield for the Mother River.

<b>The hometown of the Yellow River is in urgent need of development</b>

The Mother River flows through five townships in the small town of Dong'a, and the 57-kilometer winding line is warm and perfect, and the scenery is picturesque. But when it comes to river management, most people in small towns frown. In particular, due to the lack of comprehensive management over the years, the construction and management of land on both sides of the river are chaotic, and there is even a tendency to be occupied by landfill; the river itself is relatively narrow, most of the area is silted and dried, and dirty and smelly sewage is directly discharged into the river, and it is urgent to solve the ecological problems of the river and the living environment of the people. High-quality development in the Yellow River Basin is imperative, but where does the money come from?

<b>Passionate marketing, charcoal in the snow</b>

In order to effectively improve the ecological environment of the Yellow River Basin and bring more pleasant waterfront leisure space to the people along the river, the Dong'a County Party Committee and the county government decided to make the "people's livelihood project" a "people's heart project", and implement the comprehensive treatment of the ecological environment of the water system around the city and the outdoor supporting construction project of the stock shed, but the funding gap of more than 600 million yuan made the people's livelihood project into a dilemma. Just when the heads of the county government and enterprises are struggling to find the "golden key" to open up the bottleneck of funds, "we in the Agricultural Development Bank are willing to help and actively give credit support under the premise of conforming to the policy!" The person in charge of the Liaocheng Branch of the Agricultural Development Bank led the Dong'a County Branch to actively find the door and quickly launched action, and the symposium, dispatch meeting, and project docking meeting followed; solving problems, rationalizing ideas, and formulating plans did not hesitate. During the period, the directors of the two professional divisions of the Provincial Infrastructure Division and the Investigation and Evaluation Center were invited to Dong'a for field research and guidance, and jointly explored and formulated financing plans.

<b>Tailor-made and optimized services</b>

After the cooperation intention was reached, the municipal branch took the lead in setting up the Yellow River Basin Ecological Protection Financial Service Team, and carried out "1-to-1" personal counseling for the project from the aspects of regional planning, project planning, and feasibility study, and tailored credit support programs to form a good situation of joint grasping and co-management. If there is no suitable lender, then it is necessary to actively create conditions, so the idea of establishing a new company "breaks ground"; how can a new company be quickly established, and it can meet the conditions for credit support, then plan a market-oriented resource integration plan, so that the implementation framework drawn is clean and clear; how can the new company achieve its own hematopoietic function without touching the local hidden debt red line? Then innovate and improve the business model, so the new repayment path "operating asset income" + "sale income X" + "leasing income X" came into being. As the bottlenecks are cracked, the oases seem to be in front of us.

With the support of a full-time team, cutting-edge design, and precise planning system, the "last kilometer" to help the ecological protection of the Yellow River Basin has been opened, and let us see that the old look of the Yellow River has changed its appearance. (Lv Hongjun, Wang Wenjun)

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