The practice of granting credit to the whole village has increased the income of Lin'an pecan operators

Every year's "Double Eleven", Lin'an pecans are the hits of online shopping nuts. However, it is still difficult for operators to expand their scale.

This year, the pecan operator Of Bainiu Village in Lin'an, Boss Qiu, took a look at the account and found that the income was better than in previous years, not only the sales volume expanded, but the reduction of the cost of funds also really improved the income. The secret of success is that this year, with the blessing of ICBC's "Xingnong Loan".

The hickory business has been going on since September with the "white dew opening pole", from buying new picking tools to hiring workers in the peak season, processing and frying, everything costs money, and Boss Qiu worries about funds at this time of year. He has also applied for a loan, "but it is not without suitable collateral, but the interest rate of the loan is a bit high."

Fortunately, this year, the industrial bank supports rural revitalization, and specially launched the "Xingnong Loan" series of products, which provide loans to the majority of farmers in the form of whole village credit and pure credit. The interest rate not only enjoys the preferential treatment of farmers, but also supports online borrowing and repayment, effectively solving the problem of "difficult loans and expensive financing" for farmers.

Boss Qiu is one of the first batch of operators to obtain the "Xingnong Loan" sub-product - "Farmer E Loan", with the first 300,000 yuan loan funds, he expanded the acquisition volume of this year by 15%, the sales scale during the "Double Eleven" period was significantly improved, and he was more confident in his hickory business.

So there are other operators who have brought about the change. According to reports, at present, Lin'an, as a pilot area for the whole village of ICBC Hangzhou Branch, has completed the credit granting in 21 villages, 282 rural households, and the amount of credit has reached 55.64 million yuan.

The relevant staff of ICBC Hangzhou Branch said that this model will be gradually promoted to all districts, counties and towns in the city. At the same time, in order to effectively solve the "last kilometer" problem of financial services entering the village and achieve the goal of allowing farmers to "run at most once", the pilot construction of "Xingnongtong" inclusive financial service points will be carried out in Bainiu Village and other village communities.