Located at the intersection of Jin, Hebei and Mongolian provinces, Datong City is a regional key city determined by the state, and is the core area of the northern agricultural and pastoral belt, with a cold and arid climate, and a long planting tradition and potential advantages. As a large city with characteristic agricultural industry, since the beginning of this year, Datong Rural Credit Cooperatives have given full play to the role of local financial mainstay, adjusted the planting structure according to local conditions, developed characteristic planting, promoted farmers to increase income and become rich, and provided new momentum for "loans" to help rural revitalization.
Astragalus becomes "golden"
Hunyuan astragalus, also known as zhengbeiqi, saponin content is much higher than other astragalus, with thick and straight roots, good powder, sweet taste, with rich bean aroma and other excellent traits and well-known in China and abroad, known as "authentic medicinal materials".
Relying on local characteristic resources, Hunyuan Rural Commercial Bank supports astragalus planting, astragalus processing, and astragalus medicinal tea research and development as the starting point, increases credit support for astragalus industry, transforms astragalus resources into industrial and economic advantages, continuously expands the characteristic agricultural industrial chain, and helps rural revitalization. As of June 20, a total of 274 million yuan of credit funds have been issued to the fields of astragalus planting, purchase and processing, benefiting 1,177 rural households.
According to the industrial development plan, credit resources will be tilted to Guan'er, Qianfoling and other townships, increase financial support for astragalus planting, and expand the planting area of astragalus; In view of the characteristics of long growth cycle and slow capital recovery, "Astragalus Loan" was launched in a targeted manner, which greatly solved the problem of "difficult and expensive financing" for astragalus farmers, astragalus processing enterprises and distributors. Continuously extend the industrial chain, take the development of leading enterprises as the entry point for the large-scale development of astragalus, support a number of new enterprise management entities with strong driving ability, drive the large-scale development of astragalus planting and processing, and radiate to drive the development of surrounding farmers. Support astragalus as a raw material to integrate into the research and development and production of fungus products, dig deep into the brand culture of "Beiqi mushroom", issue a loan of 70 million yuan to support wineries and wine industry co., LTD. to complete the winemaking technology transformation project, further extend the new chain of astragalus industry, and realize the value-added and efficiency of astragalus resources.
Tartary buckwheat blooms "sweet flowers"
Lingqiu County is located in the northeast of Jin, at the intersection of the three major mountain ranges of Taihang, Wutai and Hengshan, with mountains and mountains, slopes and ditches, long sunshine time, large temperature difference between day and night, and special geographical location and soil structure, making Lingqiu buckwheat a famous resource in China.
Relying on the resource advantages of Lingqiu buckwheat characteristic agricultural products, Lingqiu Rural Commercial Bank focuses on buckwheat planting and upstream and downstream industrial chains, focuses on releasing policy dividends, precise docking assistance, and shortening the service chain, and builds a bridge for the development of characteristic industries with "fast, accurate and excellent" to promote the development of characteristic agricultural industries to a new level. Lingqiu Rural Commercial Bank has set up a special work class, actively docked with the county party committee and county government, rural revitalization bureau, agricultural and rural bureau, taxation bureau and other departments, with government, bank and enterprise forums, "whole village credit" promotion, "credit park" creation, "1,000 presidents pairing" activities, etc. as the carrier, through "tripartite" forums, point-to-point "service" and "policy to find enterprises" forms, to break the bottleneck of information asymmetry, and achieve accurate docking and accurate delivery. As of the end of June, a total of 65 million yuan of loans have been invested in the buckwheat industry, involving buckwheat planting, buckwheat noodles, buckwheat powder, buckwheat shell mattress pads, buckwheat tea and other deep processing industries, and continuously injecting financial "living water" into the buckwheat industry with "good planting, smooth sales and high returns". Among them, Shanxi Buckwheat Source Biotechnology Co., Ltd., supported by credit, has created high-quality products such as buckwheat drinks and buckwheat shakima, which are deeply loved by consumers.
Small green peppers become a "big industry"
Tianzhen "space pepper" is cultivated with green pepper seeds that have traveled in space, the plant is significantly higher and thicker, the fruit type is increased, the yield is also more than 20% higher than the original general, and the content of vitamin C and soluble solids, copper and iron and other trace elements are 7% ~ 20% higher than the original, and it tastes fragrant and tender, rich in nutrition.
Walking into Shangwuqi Village in Tianzhen County, a busy harvest scene came into view. In the factory, the workers are busy sorting peppers, methodically framing, packing, unified weighing and measurement and then transported to Shandong Shouguang Vegetable Futures Exchange for centralized sales, convenient transportation conditions and the operation process of production and marketing integration greatly improve the efficiency of the industrial chain of agricultural product production and sales, providing villagers with a new way to get rich by industry, and everyone has happy smiles on their faces.
It is reported that Shangwuqi Village in Tianzhen County has a bumper harvest in the chili pepper industry this year, and "space pepper" was once in short supply because of its good variety and high quality, and the villagers said excitedly: "Thanks to the credit funds of the rural credit cooperative, we have the motivation to get rich by our hands!" "Tianzhen County Union has formulated a special credit plan, relying on the "Jinxiang Loan" online loan application platform, eligible farmers should be fully loaned, and fully meet the financial needs of farmers. At the same time, we will accelerate the promotion of "credit granting for the whole village", rely on 21 offline rural financial service stations, provide basic financial services for surrounding villagers, and inject financial momentum into agricultural and rural development. As of June 20, the balance of agriculture-related loans increased by 32 million yuan from the beginning of the year, benefiting 512 agriculture-related entities. As the main force of rural financial services, Tianzhen County Union has contributed financial strength to consolidating and expanding the achievements of poverty alleviation and effectively linking rural revitalization with practical actions.
Yellow flowers everywhere are "golden needles"
"Datong yellow flower" has bright color and unique taste, which can be called a superb product, which can be called a "three-habitat master" for ornamentation, edible and medicinal purposes, and its appearance and quality rank first among the four major production areas in China. In 2020, General Secretary Xi Jinping came to Yunzhou Huanghua production area to investigate, which promoted the vigorous development of the yellow flower industry.
Yunzhou Rural Commercial Bank takes the support of the yellow flower industry and its upstream and downstream industry development as the main line, combines the actual situation of growers, and continuously develops credit products, providing strong financial strength for the vigorous development of the yellow flower industry. As of June 20, a total of 316 rural households have been supported, and the stock loans of the yellow flower industry have reached 149 million yuan.
Yunzhou Rural Commercial Bank implements the "parcel responsibility system" and "grid" management with 9 townships and towns as the center, and has built a financial service network covering the whole region of Yunzhou District to help farmers and farmers. Closely focusing on the difficulties and needs of yellow flower seed and marketing enterprises, cooperatives and farmers, grasp the "inclusive finance" to ensure the "four small loans" to stimulate the vitality of regional economic prosperity and development, and grasp the "agriculture-related enterprise loans" with the other hand to fully promote the healthy development of the leading enterprises in the yellow flower processing, so that the yellow flower industry from planting in the field to sending to the factory for processing, and then to serving on the consumer's table has the support of rural credit funds.
Source: Xue Wenjuan, Datong Audit Center