Yudu Gannan Navel Orange, Fengcheng Oil Tea, Ruijin Salted Duck Egg, Xingguo Grey Goose, Wanzai Lily... Jiangxi's agricultural characteristic industries are ushering in new development opportunities.
On June 24, 2021, the Rural Finance Conference of MYbank was held in Yanshan County, Anhui Province. Liu Yingfeng, a large grain grower in Gao'an City, Jiangxi Province, and a new-type professional female farmer, took the stage to speak. She introduced that she planted and operated 1800 acres of rice fields, with the deepening of mechanized farming, farming facilities, hiring labor wages, are not small expenses, a year the total investment of funds need more than 3 million yuan.
Different from previous years, she was troubled by spring ploughing funds, this year, she got a credit line of 400,000 yuan through the online business bank, which solved her worries. "Our farmers have a short borrowing cycle, a high frequency and a small amount, and the online business bank has eliminated the cumbersome assessment and mortgage process and reduced the cost of funds." Liu Yingfeng said.
It is reported that in the six years since its establishment, the online business bank has provided digital credit services for more than 20 million agriculture-related users, and in the past year, 84% of the new rural customers have never obtained an operating loan. These figures mean that digital financial inclusion is already paying off.
At the press conference, MYbank once again released a new strategy: through the "Agricultural Assistance Plan", it will provide a package of interest-free loans for the characteristic industries in 100 counties to support rural revitalization. Many characteristic industries in Jiangxi have also been shortlisted for the program.
The new strategy of online business banks is undoubtedly good news for Jiangxi, a province with characteristic industries and a strong county economy.
When it comes to Jiangxi, familiar people often praise it: "Each county has its own characteristic industries." Not long ago, some netizens sorted out the characteristic industries in Jiangxi County, and the number was as high as more than 80.
However, the county economy from "small" to "large", from "extensive" to "refined", both need agricultural science and technology support, but also inseparable from the timely and appropriate financial assistance, popularly speaking, many people are facing the problem of "want to do agriculture without funds" and "want to do agriculture without technology", can not enter the door.
This year, digital inclusive finance was written into the No. 1 document of the Central Committee for the first time, and China's county government and science and technology banks began to explore together. MYbank grasps "finance" and "science and technology" with both hands, providing strong help for jiangxi and other provinces with strong agricultural and special industries.
On the one hand, MYbank lowers the threshold of financial services, and farmers engaged in the industry can apply for 2-month interest-free loans at MYbank, and all interest-free loans can be applied for within 3 minutes through mobile phones.
On the other hand, MYbank uses satellite remote sensing technology to identify the size of farmland plots and crop types, predict the output value, and thus give farmers the corresponding credit lines, so that the qualification review of rural finance is "more reliable" and the non-performing rate is lower.
With the blessing of these two aspects, farmers in Jiangxi's characteristic industries have reduced the difficulty of obtaining funds, accelerated the speed of review, and reduced the interest burden, and truly felt the "inclusiveness" of digital finance.
"One county and one product can do better, Ganzhou refuel!" This is a network message from a fellow villager in Ganzhou, Jiangxi. People in every county in Jiangxi are proud of their hometown's characteristic industries, and always look forward to their own characteristic industries being more well-known, larger in scale, and more income, so that everyone in their hometown can be happy and rich.
With the support of national policies, the effective landing of county governments, and the "coordinated operation" of science and technology banks such as online business banks, it is believed that Jiangxi's agricultural characteristic industries will become more prosperous and China's rural economy will be more prosperous.