Seeing that others operate greenhouses, Zhang Zhen, a villager in Wugu Village, Dayin Village Town, Raoyang County, also wants to build a few, but the funds on hand are not enough. In addition to building greenhouses, it is also necessary to buy seedlings and fertilizers, which cost money. After several calculations, he found Liu Ya, secretary of the village party branch. With the help of Liu Ya's team, in just a few days, Zhang Zhen obtained an unsecured and unsecured credit loan of 200,000 yuan from the Raoyang Branch of the Agricultural Bank of China.
Raoyang County's facility agriculture has formed a scale
If you want to get rich, find a branch. Since 2019, Raoyang County has effectively played a leading role in party building, innovated the "party building + credit + finance" model of supporting agriculture, and evaluated credit villages and credit users by the party organization, and focused on solving the problem of difficult loans for farmers through cooperation with 7 financial institutions such as Raoyang Branch of Agricultural Bank of China and Raoyang Branch of CCB. As of the end of October 2023, a total of nearly 700 million yuan of unsecured and unsecured credit loans have been provided to rural households, embarking on a new path for party building to lead rural revitalization.
One
Raoyang County is a large agricultural county. In recent years, facility agriculture has become a "new engine" for increasing farmers' income and promoting rural revitalization with the advantages of high efficiency, high output and high efficiency. But high efficiency is accompanied by high investment. In Raoyang County, the construction of a greenhouse covering an area of about 1,000 square meters requires an investment of about 100,000 yuan. Under normal circumstances, a farmer needs to build 2-6 greenhouses to achieve better operating income. The investment of hundreds of thousands of yuan is beyond the scope of most rural households, and the problem of capital has become a "bottleneck" restricting the development of Raoyang's facility agriculture.
The urgency, hardship, and longing of the masses are the focus of the work of the party organizations. In 2019, in response to this problem, Raoyang County conducted in-depth exchanges with the head office of the Agricultural Bank of China, a designated assistance unit, and after repeated research and demonstration, in accordance with the work idea of "party building leading, credit opening, financial support for agriculture, and mutual promotion and win-win", the "party building + credit + finance" model of supporting agriculture was innovatively launched. The Organization Department of the County Party Committee, the County Finance Office, and the Raoyang Branch of the Agricultural Bank of China jointly formed a credit village assessment team to conduct investigation and discussion village by village to understand the leading industries of the village, the village customs and people's conditions, and the credit of rural households, and after in-depth research, the 28 villages that meet the requirements were identified as the first batch of credit villages; Give play to the role of party organizations at the township and village levels as gatekeepers, learn more about farmers' assets, reputation, projects, etc., organize party members in the whole village to hold meetings, and publicly assess credit users. For credit users who have loan needs, ABC can provide unsecured and unsecured credit loans of 5-300,000 yuan according to the situation. At the same time, in terms of credit rating, quota improvement and preferential interest rate, ABC has also given credit villages and credit users maximum preferential treatment, and implemented "one-time credit, recycling, daily interest, borrowing and repayment" within a three-year period, so as to further reduce the financing cost of rural households.
Two
No mortgage, no guarantee, as long as you are rated as a credit user by the party organization, you can get a bank loan, which is really a good thing of "pie in the sky". Sun Bin, a villager in Xizhao Village, Liuchu Town, Raoyang County, was one of the first batch of letter users. After learning the news, he immediately applied for a loan, and got a credit loan of 300,000 yuan in just a few days without any mortgage guarantee. With this funding, Sun Bin soon built a greenhouse to develop tomato and grape cultivation. Now Sun Bin has become a big planter in the village, with an annual income of more than 200,000 yuan. When it came to credit loans, Sun Bin said excitedly: "If you want to get rich, find a branch." That's amazing!"
The facility of Liuchu Town, Raoyang County, has a bumper harvest of tomatoes
In order to prevent non-performing loans, Raoyang County has formulated the "Detailed Rules for Post-Loan Management", established a working mechanism of "household dishonesty, village downgrading, and township damage", and each township regularly conducts full coverage verification of the post-loan management of credit villages, and the village party organization analyzes and evaluates the borrower's risk status every quarter, and grasps the credit status of the loan household in real time through the "1+10" party member contact household working mechanism (1 party member contacts about 10 households), so as to prevent the occurrence of loan overdue, arrears of interest, etc., and this work is related to the township (town), The year-end assessment results of village party organizations are linked. As a brand-new exploration and practice, the Raoyang Branch of the Agricultural Bank of China was also ready to assume certain responsibility risks at the beginning of the launch of the "Party Building + Credit + Finance" model to support agriculture, but the results of the operation were unexpected: none of the 256 loan farmers in the first batch of 28 credit villages defaulted, and the shortest only took a few months to repay the loan and pay interest. He Buyi, the first secretary of Zou Village, Wugong Town, Raoyang County, the head office of the Agricultural Bank of China, said with emotion: "The party organization's checks are really a 'golden signboard', which is more reliable than mortgage guarantees. ”
As of October 2023, the number of credit villages in Raoyang County has increased to 87, and it has established cooperative relations with 7 financial institutions, including the Raoyang Branch of the Agricultural Bank of China and the Raoyang Branch of the China Construction Bank, and has issued nearly 700 million yuan of credit loans to rural households. At the same time, financial institutions have also reaped the benefits of serving farmers. Only the Raoyang Branch of the Agricultural Bank of China, since the implementation of the "party building + credit + finance" model to support agriculture, the number of individual customers has reached 143,600, and personal deposits have increased by 2.425 billion yuan.
Three
Raoyang County's "party building + credit + finance" agricultural support model has led "financial living water" to the fields and effectively promoted the development of the local agricultural industry. At present, Raoyang County has an area of more than 400,000 mu of facility agriculture, which has become a pillar industry for revitalizing agriculture and increasing income, enriching the people and strengthening the county. The exploration and innovation of Raoyang County not only effectively promoted economic development, but also played a positive role in comprehensively promoting rural revitalization.
Through the evaluation of credit villages and credit users, honesty and trustworthiness have become a common practice in Raoyang Village, and the concept of "the poor can be loaned, and the rich can be loaned, and if you don't pay attention to credit, you can't lend" is deeply rooted in the hearts of the people. Guo Lianlei, a villager from Zou Gong Village, Wugong Town, Raoyang County, is a poverty alleviation household and one of the first batch of credit users. In the past few years, he used the loan to build a greenhouse and embarked on the road to prosperity. There is now very little need for loans. According to the provisions of the "Poverty Alleviation Policy", he can still enjoy government loans with discounted interest. Someone joked: "If you can't spend it, you can take out a loan and lend it to others and earn some interest yourself." Guo Lianlei listened and waved his hand again and again: "The letter user is evaluated by the party branch, we can't do that." ”
In June 2023, in response to the problems of credit villages, low coverage of credit users, and insufficient and unbalanced capital supply, Raoyang County further optimized the work process, expanded the scope of financial services, and launched an upgraded version of the "party building + credit + finance" model to support agriculture, and selected a cadre of the village "two committees" in each administrative village to serve as a "village-level financial officer" to provide the masses with financial services such as policy consultation and loan application. In just five months, Raoyang County helped farmers apply for credit loans of 75.649 million yuan through "village-level financial officers".
Source: Hebei "Communist Party Member" magazine