Zhou Jia Yang Zhi
On the afternoon of January 19, The 2021 Work Summary commendation and 2022 work deployment meeting of Hunan Agricultural Credit Financing Guarantee Co., Ltd. (hereinafter referred to as "Hunan Agricultural Undertaking") was held in Changsha. Hunan Nongdan submitted a satisfactory answer sheet for the high-quality development of agriculture and the implementation of the rural revitalization strategy in the province:
By the end of 2021, the cumulative guarantee amount of Hunan Agricultural Undertakings will reach 21 billion yuan, supporting nearly 30,000 new agricultural business entities, and the balance of insurance has exceeded the 7 billion yuan mark for the first time. In 2021, the company was awarded "Excellent Financing Guarantee Institution in Central China", Hunan Provincial Financing Guarantee Company was rated as A grade in the classification supervision rating, and the third party branch of the company was rated as "Excellent Grassroots Party Branch" of the Provincial Department of Finance.
In recent years, under the guidance and support of the Provincial Department of Finance, Hunan Agricultural Undertaking has focused on the main business, been determined to reform and innovate, and focused on the role of policy-oriented agricultural undertakings in "increasing credit, sharing risks and empowering", continuously introducing financial living water for the revitalization of rural industries, effectively alleviating the problem of difficult and expensive agricultural financing, and composing a magnificent chapter of financial support for agriculture and benefiting farmers and serving rural revitalization in the land of Sanxiang.
Strengthen the construction of the system
Smooth financial support for the "last mile" of agriculture
Rural revitalization, first of all, is the prosperity of the industry, and the prosperity of the industry, first of all, to solve the "financing difficulties" and "expensive financing" in the process of rural industrial development, which is a troubled problem.
How to solve the problem? Hunan agricultural burden focus on the construction of the system, in accordance with the requirements of the central government's "close control", explore and promote the construction of the hunan agricultural burden system, from the policy support system, service organization system, project support system, agricultural product system, risk management and control system and other aspects of all-round efforts, to build an efficient service network.
According to Lu Huihong, secretary of the party committee and chairman of Hunan Nongdan, at the beginning of 2021, by balancing the service radius and the management radius, the two-level management mode of "total -point" was explored, the branch layout was optimized, and branches were set up in 14 cities and prefectures in the province. At the same time, under the framework of new government-to-government cooperation, we will do a solid job of "county construction and county management" agricultural service agencies. At present, the province's agricultural burden system has covered 104 counties (cities, districts) in the province, and the service network has extended to the vast rural land.
At the same time, Hunan Nongdan also allocated more than 70% of the company's personnel to the city-state branch, through the branch project manager to sink the county and city, to achieve the agricultural undertaking business covers all agricultural counties (cities) in the province; and the approval right of projects of 1 million yuan and below and the right to sign foreign contracts of 3 million yuan and below are delegated to the city-state branch, nearly 80% of the projects can be completed in the prefecture and city, and the efficiency of agricultural services is greatly improved.
Innovative products and services
Precision drip irrigation of rural characteristic industries
The tea industry is a key enrichment industry in Anhua County, Hunan Province, and strengthening the tea industry is the only way for Anhua County to base itself on resource endowments and promote the development of agricultural industry and economic growth. However, most of the small and micro enterprises in Anhua County have developed from small family-style workshops, and there are generally problems such as lack of funds, "financing difficulties" and "expensive financing".
Aiming at the pillar industry of the tea industry in Anhua County, Hunan Nongdan, adhering to the mission of "focusing on the three rural areas, benefiting the three Xiangs", taking the initiative and making precise efforts, not only actively carrying out cooperation with local leading enterprises, but also taking the initiative to provide financing guarantees for small farmers, solving the practical problems of insufficient funds and high borrowing costs, and launching a standardized guarantee product "Huinongdan - Tea Loan" specifically for tea growers and tea processing and sales.
Since the introduction of the "Tea Loan" implementation plan, Hunan Nongdan has introduced nearly 60 million yuan of guaranteed financing to more than 60 new tea business entities in Anhua County, which has supported Hunan Qianqiujie Tea Industry Co., Ltd. and Anhua Yuntaishan Bajiao Tea Industry Co., Ltd. from extensive processing enterprises to high-standard leading enterprises integrating production, processing and sales industrial chains.
"Tea Loan" is only one of the standardized guarantee products of the "Huinongdan" series launched by Hunan Nongdan. It is understood that Hunan Nongdan closely follows the agricultural development plan of Hunan Province, pulses the financing needs of agricultural business entities, and takes the lead in launching six series of standardized guarantee products of "grain loan", "pig loan", "oil tea loan", "tea loan", "agricultural machinery discount loan" and "special loan" in the country. The product not only improves the matching degree of supply and demand through standardized credit, but also sets the guarantee loan term in line with the agricultural production cycle, does not blindly draw loans and break loans, and accompanies the business entities throughout the production cycle, which is rated by The People's Daily as the "Typical Case of China's Inclusive Financial Product Innovation" in 2020.
The continuous innovation and emergence of this series of guarantee products is inseparable from the coordinated linkage of finance and finance. Hunan Agricultural Undertaking integrates various resources such as policies, funds and customers, brings together the strength of the government, banks and cooperative institutions, and actively explores and builds a "agricultural support ecosystem" centered on policy-oriented agricultural tools.
On the one hand, we should further promote cooperation in government undertakings. Actively integrate into the rural revitalization strategy and agricultural development plan of the city and county party committees and governments, support the development of agricultural industries with advantages and characteristics of various places, and guide the city and county governments to actively participate in agricultural work. According to statistics, as of the end of December 2021, strategic cooperation agreements have been signed with 8 city and state governments and 68 county and municipal governments.
On the other hand, we will continue to deepen the cooperation between banks and banks. Based on the principle of "seeking development for agriculture and seeking rural areas for finance", we have cooperated with 14 banks in accordance with the three principles of "2:8 insurance, preferential interest rates, and no deposit", shared insurance for banks, helped farmers increase credit, and built a "golden bridge" between financial funds and agricultural industry. At present, the two sides have basically realized the new situation of financial support for agriculture with branch linkage, mutual recognition of product standards, customer data sharing, joint assessment of targets, and joint risk management and control.
Not only that, Hunan Nongdan also released a new business model - "Xiangnong Yundan", aiming to establish and improve the province's new agricultural business entities to establish and set up a file and card work mechanism, through the multi-party cooperation between the government, banks and enterprises, using the Hunan Nongdan "Xiangnong Cloud Code" two-dimensional code and agricultural business system, collect and sort out the basic data, financing needs and other information of the new agricultural business entities in the province, screen out the list of qualified high-quality entities, and summarize and form a new agricultural business entity database. In this way, it will provide more accurate and effective agricultural services for the new agricultural business entities in the province, and comprehensively improve the efficiency and quality of agricultural guarantee credit services.
"Huinong plays a role in showing love and helping farmers develop to warm people's hearts." This is a pennant sent by Zhou Shousong, head of the Xinhu Forest Farm in Guankou, Liuyang City, for Hunan farmers, and this simple word of thanks has become the best interpretation of Hunan farmers' "burden for farmers".
Powerful digital engine
Gather new momentum for high-quality development
In August 2021, the new crown virus mutation strain "Delta" struck, in the face of the contract signatories due to the impact of epidemic prevention, sealing and control related measures can not be interviewed and delayed the signing of the contract, Hunan Nongdan, under the support of the company's guarantee business information system, launched an electronic contract, the contract signing changed from "face-to-face" signing to online signing; promote the "micro-agricultural loan" pure online business model, solve the financing needs of small and micro agricultural projects, through form-based due diligence, batch handling, and quickly land 100,000-300,000 yuan of projects.
On November 17, 2021, Guiyu Village Economic Cooperative in Xinqiao Town, Yongding District, Zhangjiajie City, successfully obtained a guarantee loan of 500,000 yuan issued by China Construction Bank. This is the first system direct connection business between Hunan Agricultural Undertaking and the Hunan Branch of China Construction Bank, and the loan has been processed online from project acceptance, review and approval to underwriting and lending.
From November 22, 2021, Hunan Nongdan will fully use mobile terminals to pay guarantee fees while retaining the original offline payment method.
This is the epitome of Hunan Nongdan's step-by-step progress towards "digital agricultural undertakings" in order to further improve service efficiency and promote the high-quality development of agricultural undertakings, actively explore online business, electronic contracts, and direct connection of silver-burden systems.
In recent years, Hunan Agricultural Undertaking System has taken the service of "three rural areas" as the center, made full use of cutting-edge financial technologies such as big data, artificial intelligence, and cloud computing, and comprehensively promoted the digital transformation of company operation and management, business development, product innovation, and industrial collaboration.
As early as 2017, Hunan Nongdan took the lead in building a business system in the national agricultural burden system, realizing paperless business handling, effectively supporting the amount of business, and the construction results were quoted by a number of agricultural companies. On January 19, the big data report analysis platform of agricultural burden was officially launched, which further promoted the digital transformation of agricultural burden work.
In the future, Hunan Nongdan will form two major digital support systems of management digitalization and business digitization through the construction of a comprehensive integrated smart office platform in 3 to 5 years, comprehensively improve the company's digital operation, digital risk control and digital decision-making capabilities, and gradually realize the overall idea of building a "digital agricultural burden", inject new momentum into the development of agricultural undertakings, thereby promoting the synchronous improvement of the scale, quality and efficiency of agricultural credit guarantees in our province, and promoting the high-quality development of the company.
The blueprint has been drawn, and the future is still promising. Standing at a new starting point, Hunan Nongdan will adhere to the policy positioning, keep in mind the original intention of "establishing a life for the farmers and taking responsibility for the farmers", practice the mission of "seeking agricultural development, attracting finance to the countryside, and promoting farmers' income", vigorously implement the "five major projects" of government-bank cooperation, digital transformation, talent strengthening, institutional innovation and cultural revitalization of enterprises, accelerate the progress towards building a characteristic, professional and digital modern first-class agricultural undertaking company, and contribute the wisdom and strength of the agricultural burden to the implementation of the rural revitalization strategy of the province.
[Editor-in-Charge: Listen to The Week]
[Source: Hunan Daily]
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