In March, when I walked into the "mud people" farming and breeding farmers' cooperative in Langdong Town, Rongjiang County, the fragrance of soil and grass came to my nose, and I saw a busy scene as far as the eye could see. Outside the plant, more than 20 workers are placing the rice seedling trays in the field in an orderly manner, and then erecting the frame and covering the film.
Seeing the visit of the staff of the credit cooperative, Lan Kaiyuan, the legal representative of the "mud man", said with a smile: "Thank you so much! Fortunately, thanks to the timely arrival of the credit cooperative's loan funds, we can successfully catch up with the spring ploughing, otherwise we would not know what to do with this big project." Seeing that the person in charge of the cooperative and the farmers who are busy with the farm are so happy, the staff of the credit union are very relieved, and they have made so much effort in the early stage.
In recent years, Rongjiang Rural Credit Union has actively focused on serving the development of county-level agriculture and rural characteristic industries, continuously optimized financial service measures, increased agriculture-related loans, and continued to send financial "timely rain" to spring plowing and agricultural production. Langdong Credit Cooperative, located in the northern township of Rongjiang County, has done a lot of work in providing financial support for spring plowing and preparation, and actively helping local villagers to develop agricultural production. At the beginning of each year, a special financial service plan for spring plowing and preparation will be formulated to allocate sufficient credit funds for spring ploughing, so as to ensure the loan needs of farmers and new agricultural business entities for spring agricultural production, and consolidate the foundation for stable production and bumper harvest.
At the same time, the society strengthened reporting and communication with the agricultural service center and the village committee, realized information sharing, and fully grasped the spring plowing and preparation situation in the jurisdiction. In addition, Rongjiang Rural Credit Union Langdong Credit Cooperative, guided by "know your customer", seized the busy season of spring ploughing and farming, actively organized personnel to go into the village to carry out inclusive visits, and combined the understanding of spring ploughing and preparation with pre-rated credit work, so as to lay the foundation for later financial services, improve the quality and efficiency of financial services, and achieve 100% coverage and 100% awareness rate of visits and pre-rated credit work.
During the visit, the staff of the Langdong Credit Cooperative of Rongjiang Rural Credit Union learned that the "mud man" farmer cooperative carried out pilot planting of rice seedlings last year, and the results were remarkable. Therefore, when the County Agriculture and Rural Bureau launched the rice seedling sowing project this year, the cooperative immediately undertook the project. According to statistics, a total of 2,400 acres of rice seedlings were sown this time, covering more than 1,500 households in 15 villages. After learning about the cooperative's spring plowing capital needs, Rongjiang Rural Credit Union Langdong Credit Cooperative actively organized staff to come to the door to rate credit and provide one-stop service. Considering that cooperatives are in their infancy and their operating costs are also high, the staff took the "Rural Revitalization Loan" as a starting point to accurately match the relevant policy loan indicators to help cooperatives reduce financing costs. It is understood that the Niba people cooperative will divert water to irrigate the field and carry out mechanized centralized sowing in the later stage of seedling raising, so as to realize the mechanized centralized sowing of rice with the widest coverage and the largest sowing area in the county except for the Chejiang Dam.
Since 2023, under the guidance of regulatory departments at all levels such as provincial associations and county associations, Langdong Credit Cooperatives have thoroughly implemented the spirit of the relevant instructions on the development of "super economy" in financial services, and served "super economy" with "super finance" to empower the construction of Hemei villages. Over the past year, Langdong Credit Cooperatives has insisted on focusing on its main responsibilities and main business, focusing on the "super economy" industrial chain, deepening the service measures of "Rong Yi Loan", and actively promoting credit products such as "Super Good Loan" and "Rong Yi Loan". In order to effectively help the development of "village super" related industries, Langdong Credit Cooperative focuses on the capital needs of catering and accommodation, transportation, village super drinks, intangible cultural heritage ethnic crafts, sports development, etc., and increases credit fund support for small and micro enterprises, rural collective economic organizations and characteristic industries, so as to meet the financing needs of small and micro enterprises and rural collective economy, drive villagers to start a business and increase income at their doorstep, and help small and micro enterprises develop steadily. Since 2023, Langdong Credit Cooperatives have issued a total of 120 million yuan of "super good loans" and "Rongyi loans", and as of April this year, the balance of such loans is 55 million yuan, effectively empowering the development of "super economy" and the construction of local and beautiful villages.
Guizhou Daily Tianyan News reporter Zhou Canbi
Correspondent: Tian Jingtao
Edited by Xia Hua
Second instance Qian Shihao
Third trial Shen Anyong