Dezhou Rural Commercial Bank adheres to the business purpose of serving the "Three Rurals" and the real economy, actively practices inclusive finance, continues to optimize financial services, innovates credit products, and draws a "new picture" of rural revitalization with the "pen of finance". Up to now, a total of 4.62 billion yuan of agriculture-related loans have been invested.
Draw a "dream map" to get rich and increase income
"The strawberries we grow ourselves, no pesticides, healthy and organic, good taste, fresh and healthy, rest assured!" Sister Li, who was busy picking strawberries in the greenhouse early in the morning, said enthusiastically when she saw the staff of the Rural Commercial Bank.
Modern agriculture and green planting have become a major channel for farmers to increase their income and get rich in Huangheya Town, Dezhou City. However, in the critical period of the expansion and development of greenhouses, there are difficulties in capital turnover. The "red vest service team" of Dezhou Rural Commercial Bank went deep into the village fields to carry out the village office, and the customer manager took the initiative to go into the greenhouse to investigate and visit, timely understand the capital needs of farmers in the purchase of seeds, fertilizer, greenhouse construction, etc., and tailored a 700,000 yuan "Lu Dan Hui Agricultural Loan" financial service plan to "pave the way and build bridges" for farmers to get rich.
Dezhou Rural Commercial Bank adheres to the market positioning of "supporting agriculture and supporting small enterprises", combines the modernization of agriculture and rural areas in towns and towns, actively fulfills the responsibilities of local banks, gives full play to the advantages of multi-faceted, efficient services, scientific and technological innovation, and relies on the "four lists" docking service to carry out credit for the whole village, so as to realize the "list system + precision + one-stop" service for green agriculture, new agricultural business entities and rural professional cooperatives within its jurisdiction, so as to help farmers get rich and increase income and rural revitalization and development. Up to now, a total of 215 villages have been granted credit, with 23,000 households and an amount of 390 million yuan.
Drawing a "Prosperity Map" of Characteristic Industries
"The 'Lu Danhui Agricultural Loan' handled by the Rural Commercial Bank for me has sent me funds 'timely rain', and the service has really done what we want!" said Brother Shi, a large farmer in Dashi Village, Huangheya Town, Dezhou City, gratefully.
Brother Shi has been engaged in the goose breeding industry for 9 years, and has encountered financial problems due to the purchase of goose seedlings and feed and the expansion of breeding scale. During the visit to the "Four Lists", the customer manager of Dezhou Rural Commercial Bank learned that he conducted a field investigation at the first time, implemented the "time-limited loan", and handled a 300,000 yuan "Ludan Hui Agricultural Loan" for Brother Shi, which effectively alleviated the problem of difficult financing guarantee for customers.
Combined with the strategy of "rural revitalization", Dezhou Rural Commercial Bank has increased its support for new agricultural business entities such as family farms, farmer cooperatives, and large professional breeders, expanded and strengthened characteristic industries and advantageous industries, and created a characteristic industrial development pattern of "one village, one product, one township, one industry", which has injected "financial living water" into supporting local economic development. Up to now, 28.6 million yuan of loans have been issued to new agricultural entities, leading agricultural enterprises and professional farmer cooperatives.
Drawing a "convenient map" for inclusive finance
"The green greenhouse can continue to expand its scale and develop into a modern comprehensive park integrating vegetable and fruit picking, sightseeing and leisure, and we really want to thank our Rural Commercial Bank for its help!" said Brother Yang, the person in charge of the green greenhouse planting base in Huangheya Town, with a smile.
Brother Yang has been engaged in the cultivation of "green organic" vegetables in greenhouses for many years, and the "green organic" vegetables planted are sold in Debai, Ginza and other major shopping malls and supermarkets. Recently, due to the aging of the greenhouse needs to be repaired, the capital turnover is tight, just when he is at a loss, the customer manager of Texas Rural Commercial Bank carried out door-to-door service and issued a "business discount loan" of 200,000 yuan, so that the financial services have speed and temperature.
Dezhou Rural Commercial Bank adheres to the guidance of party building, and carries out the party building and co-construction activities of "party building and co-construction cohesion, strengthening villages and enriching the people and promoting revitalization" with the Party Committee of Huangheya Town, focusing on local characteristic agriculture and innovating agricultural products, and vigorously promoting exclusive products for rural revitalization such as "Ludan Hui Agricultural Loan", "Entrepreneurship Guarantee Loan", "Greenhouse Loan" and "Family Farm Loan" and other 986 households, 230 million yuan, to help farmers out of a "green organic" as the characteristics of income increase and get rich, and write a new chapter in serving rural revitalization. (Sun Haimin)