In recent years, Yunnan Daguan Rural Commercial Bank Co., Ltd. has adhered to the market positioning of "based on agriculture, rural areas, serving urban and rural areas, and supporting small, medium and micro enterprises", closely followed the bamboo industry of "one county and one industry" in Daguan County, and launched the "bamboo industry loan" financial product in the process of characteristic operation, providing production and operation loans for the development of the whole bamboo industry chain, and injecting a steady stream of "financial living water" into the steady development of local characteristic industries.
At present, it is the season when spring bamboo shoots are unearthed and put on the market, and millions of acres of bamboo shoots in Daguan County have ushered in the harvest season, and hundreds of thousands of people are busy harvesting bamboo shoots. Bamboo shoot farmers are busy in the bamboo forest, bamboo shoot buyers and processing enterprises that reserve bamboo shoot raw materials, as well as financial institutions that provide financial support for buyers and production enterprises.
In the business hall of the wooden pole branch of Daguan Rural Commercial Bank, the staff is handling the application for a 500,000 "bamboo loan" and the cash withdrawal of the loan for Liu Yinghui, a bamboo shoot buyer. According to the on-site staff, recently, there have been a total of 25 buyers like Liu Yinghui who have taken out "bamboo loans" in the branch, with a total loan capital of 15 million yuan.
Hu Huafen, head of finance of Yunnan Xinxing Food Co., Ltd., said: "Our company has borrowed a total of 18 million yuan from Daguan Rural Commercial Bank, mainly for the purchase of bamboo shoots. Now is the peak period of bamboo shoot purchase, and it basically takes 600,000 yuan per day to meet the daily purchase volume. ”
"It's the bamboo shoot buying season, and our financial pressure is very high. In this case, we found the staff of the wooden pole branch of Daguan Rural Commercial Bank, and they recommended 'bamboo loan'. The 'bamboo loan' has a fast approval and a relatively low interest rate, which alleviates our financial pressure in a timely manner. Wu Guiwei, financial manager of Yunnan Linsen Food Co., Ltd., introduced.
In Mupole Town, the core area of bamboo industry development in Daguanxiao, there are not only bamboo shoot processing enterprises such as Xinxing, Linsen, and "Bamboo Unique", but also new business entities and farmers such as Xuhong Breeding Farmers Cooperative specializing in bamboo processing.
According to reports, the "bamboo loan" financial product has the characteristics of high quota, long term, low access conditions and low interest rate, which better serves the needs of seasonal capital turnover in the development of the bamboo industry.
It is understood that since 2020, Daguan Rural Commercial Bank has issued a total of 3,681 "bamboo loans" with a total amount of 444.63 million yuan, and has 2,727 balances with a balance of 219.23 million yuan. The "bamboo industry loan" involved 4 enterprises in the county, with an amount of 31.6 million yuan, 6 collective economic enterprises, with an amount of 3.8 million yuan, 9 cooperatives including family farms, with an amount of 6.35 million yuan, and 2,708 rural households, with an amount of 177.48 million yuan.
With the irrigation of "financial living water", the development of the whole chain of Daguan bamboo industry from planting to production and processing has been accelerated.
Li Deyun, Secretary of the Party Committee and Chairman of Yunnan Daguan Rural Commercial Bank Co., Ltd., said: "Daguan Rural Commercial Bank will further optimize the financial products of 'bamboo industry loan', and strive to expand the best quality financial services to the development of agriculture, culture and tourism based on bamboo, so as to contribute to the comprehensive revitalization of the countryside." ”
Editor丨Hu Shengyu, Editor|Li Zihong