Hubei Anlu: "Leading enterprises + farmers" industrialization model, "chain" financial products to help farmers enhance the sense of gain

Beijing, August 25 (Reporter Xia Qing) According to the Central Radio and Television Corporation's economic voice "Tianxia Caijing", rural revitalization and industrial prosperity are the key points. Hubei Anlu is "the national 'one county, one industry' egg industry demonstration model county". As a national key leading enterprise of agricultural industrialization in Anlu City, Shendan Health Food Co., Ltd. is currently supporting the construction of 2 million egg duck breeding bases and 2 million layer chicken breeding bases in Jianghan Plain and Dongting Lake District, forming a complete industrial chain from seedling breeding, egg poultry hatching, livestock and poultry breeding, feed processing, egg processing, and egg sales.

In recent years, while promoting its own development, Shendan Company has provided high-quality feed and related technologies for farmers and recycled eggs through the industrialization model of "leading enterprises + farmers". On the one hand, it stabilizes the company's egg source and ensures the quality of eggs from the source; on the other hand, it helps farmers reduce risks and share more industrial profits.

Li Qingyi, general manager of Shendan Company, told reporters: "When the market is good, we are on the market, a little higher than the market price, because farmers cooperate with us, give him a little higher than the market price, he has enthusiasm." When the market is not good, we also give him a guarantee and give him some subsidies. Affected by the epidemic last year, raising egg ducks actually lost money, and our company subsidized farmers. ”

Rural revitalization, rural economic structure is constantly adjusting and optimizing, new financial needs continue to arise.

The "Notice on the Revitalization of High-quality Services in the Banking and Insurance Industry in 2021" issued by the Banking and Insurance Regulatory Commission proposes that all banking financial institutions should continue to increase medium- and long-term credit support for the key areas of "three rural areas". For the financial institutions in Anlu, Hubei Province, how to tailor the "chain" financial products that meet the characteristics of the industry, promote the development of the aquaculture industry, and make the "money bags" of farmers bulge?

Since last year, Anlu Rural Commercial Bank has begun to explore providing supply chain loans for upstream farmers in Shendan to help farmers increase their production capacity. Liu Weixiong, president of Anlu Rural Commercial Bank, introduced that Shendan provides a list of cooperative farmers who meet the access conditions, and Anlu Rural Commercial Bank approves the loan amount for it according to the scale of breeding, cost income and other conditions of farmers, up to a maximum of 500,000. This year, 7 households have been released, and a total of nearly 3 million have been released.

"Because these farmers are in the countryside, we have outlets in every township in the countryside, and we can go directly through our outlets to serve, which alleviates the need for farmers to go everywhere to find loans, to run a long way, and to find this bank, or to find that bank." Where can I find it? After we cooperated with Shen Dan, they provided a list, and we sent someone to investigate immediately and began to issue loans. Liu Weixiong said.

In fact, the "BOC Agricultural Loan" supply chain project, which Shendan and Anlu BOC began to cooperate in 2017, also adopted this model, and the total amount of this project is 35 million yuan. Up to now, the credit balance of the project is 22.53 million yuan, and the number of farmers has loaned 28 households.

Liu Weixiong believes that this model solves the problem of asymmetric credit information between banks and farmers to a certain extent. Banks have changed from passive to active, facilitating loans to farmers and improving the quality and efficiency of rural financial service supply.

In the view of He Hanxiong, deputy director of the Xiaogan Banking and Insurance Regulatory Bureau, for banks, the guarantee advantage of Shendan lies in the fact that the products of farmers have sales channels, and there is income when there is sales, and income is the guarantee of loan repayment. He Hanxiong said: "Compared with ordinary credit loans or commercial loans, the chain is shortened, the time is less, and the procedures are simplified. He has products, plus this terminal link of sales is here in him, ensuring the market and sales of products. These are guaranteed, and the income of the farmer is there. ”

The basis of rural revitalization is industrial revitalization. In the new era, rural financial innovation is more reflected in promoting the deep integration of financial services and rural industries. It is necessary to integrate finance with rural production factors and industries in order to improve the rural financial ecology and enhance farmers' sense of access to financial services.