The city's rural commercial bank supports rural revitalization "one line, one product" series of reports (3)
Launched the "Winter Jujube Greenhouse Discount Loan", created the "Winter Jujube Theme Bank", and set up the "Winter Jujube Agricultural Service Hotline"
Binzhou Rural Commercial Bank helps to create a "sweet industry" of dipped winter dates
As the hometown of winter jujubes in the country, Binzhou City's Zhuanhua District attracts many tourists to pick and play every year, and the small dates are aggregated into a large industry for rural revitalization. In recent years, Binzhou Rural Commercial Bank has firmly seized the opportunity of the local government to vigorously develop the winter jujube industry, centered on the adjustment of the agricultural industry structure, and strived to increase the income of farmers, and the needs of jujube farmers and jujube merchants, successively launched special products such as "Winter Jujube Greenhouse Discount Loan", and strongly supported the development of the local winter jujube industry by building a "Winter Jujube Theme Bank" and setting up a "Winter Jujube Agricultural Service Line". In 2021, Binzhou Rural Commercial Bank released a discount loan of 34.167 million yuan for winter jujube greenhouses, supporting 699 jujube farmers.
Innovative launch of the "Winter Jujube Greenhouse Discount Loan" product, in 2021 excessive rainfall under the extreme weather, warm winter dates enriched jujube farmers
A staff member of Binzhou Rural Commercial Bank introduced that in 2021, under the extreme weather of excessive rainfall, the value of greenhouse winter jujube production area is 7-8 yuan per kilogram, and the output value is about 20,000 yuan per mu, while the open-air winter jujube is 2-4 yuan per kilogram, and the output value per mu is about 0.8 million yuan, the same jujube tree, with the protection and insulation of the greenhouse, increased the income per mu by 12,000 yuan, and the advantages of the greenhouse winter jujube are obvious, which has achieved quality improvement and output value increase for jujube farmers.
It is understood that the district continues to exert efforts in the cultivation of facilities, implements the policy of "greenhouse loan" with a full discount interest rate on the winter jujube, can loan 15,000 yuan per mu of winter jujube garden, and the district finance fully discounts the interest rate for 2 years to solve the problem of shortage of funds for jujube farmers to build winter jujube greenhouses. Binzhou Rural Commercial Bank in view of the different stages of the winter jujube industry, different levels of credit capital needs, constantly innovate loan methods, open up green channels, adhere to the good use of the government discount policy, and cooperate with the local winter jujube industry office to launch the "winter jujube greenhouse discount loan" product, to provide financial support for the promotion of greenhouse technology and the increase of farmers' income.
In the actual promotion process, the branches of Zao District, together with the staff of the local winter jujube industry office, held more than 500 financial lectures and on-site promotion meetings, and publicized the policy of discounting interest rates for members of the village committee, villager representatives, planting farmers, etc., covering 214 administrative villages in the winter jujube production area, and collecting more than 5,000 farmers' information. Under the guidance and assistance of the Winter Jujube Industry Development Center in Zhanhua District, Binzhou Rural Commercial Bank combined with the credit granting activities of the whole village to provide credit in advance for villagers who meet the credit conditions in the village, so as to realize the efficient and convenient use of loans. While ensuring that the loan for winter jujube greenhouses should be completed, it also provides financial assistance around the extension of the production and marketing chain, the development of picking agriculture, sightseeing and tourism, and other aspects.
Create a "winter jujube theme bank", connect with supply and marketing needs, and provide a full range of financial services for buyers and sellers
Xiawa Town is the origin and main production area of winter jujube, and the output value of the winter jujube industry in the town is expected to reach 1.25 billion yuan this year. The bank has taken the docking of purchase and sales needs as the core, and built the Xiawa sub-branch into a "winter jujube theme bank" with features. Supporting the construction of "Merchant Home", to provide a series of supporting services such as accommodation, catering, and financial consulting for winter jujube buyers from Tiannanhaibei. Binzhou Rural Commercial Bank also actively assists in broadening the production and marketing channels of winter dates, and finds ways and finds ways to get rid of poverty and get rich. By strengthening business guidance, encouraging winter jujube collection agency, supporting jujube farmers to extend upstream and downstream projects in winter jujube freeze-drying, juicing, candied fruit processing and other industries, and assisting in the construction and improvement of the industrial chain. Combined with the "Smart e-shopping mall" e-commerce platform, it provides a full range of financial services for buyers and sellers, helping jujube farmers expand sales channels and increase income and become rich.
In addition, during the peak season of winter jujube acquisition, Binzhou Rural Commercial Bank ensures that the supply of cash and zero coins is timely and sufficient to meet the cash demand for winter jujube acquisition. Organize account managers to conduct investigations and visits in the main winter jujube producing areas, and at the same time strengthen contact with local governments, village committees and investment promotion offices to investigate in detail the needs of winter jujube buyers under their jurisdiction, and meet the financial service needs of jujube farmers and buyers in the main winter jujube production areas and the townships where the winter jujube distribution center is located through humanized services.
Set up a "winter jujube agricultural service line", the service is sent to the field, and the single loan service is upgraded to a "financial package"
During the acquisition of winter jujubes, Binzhou Rural Commercial Bank enriched the front desk sales staff, enhanced service awareness, standardized the operation process, ensured that the credit capital needs of jujube farmers and buyers were met, and set up a special service line for jujube farmers and buyers, distributing the business card of the customer manager to the majority of jujube farmers and buyers, so that jujube farmers and buyers could contact the account manager in time when there were difficulties in funds, ensuring the smooth progress of the acquisition of jujubes.
In addition, in order to fully understand the growth characteristics of winter dates, market conditions over the years, etc., we have highlighted the key points in credit support. Binzhou Rural Commercial Bank conducts in-depth investigation and analysis by organizing credit officers to visit households, go deep into the fields, and view agricultural science and technology information, grasp first-hand information, and lay the foundation for future rating credit and credit delivery.
Binzhou Rural Commercial Bank said that in view of the development characteristics of the winter jujube industry, the bank actively changed its ideological concepts, changed from "sitting and waiting for door-to-door" to "door-to-door service", and studied and formulated new measures for winter jujube support and agricultural support according to the investigation situation, and carried out winter jujube support for agriculture. From providing a single loan service to providing a "credit package", the loan is issued while providing "financial package" services including information, technology, market analysis, risk prevention and other aspects for lenders, so that jujube farmers and buyers can enjoy fast and humanized overall services.