Changting County Supply and Marketing Cooperatives: Build a "Supply and Marketing Cooperatives + Bank" platform to help rural revitalization
In early summer, warblers fly and grass grow. In the bamboo grass pit of Hongzhong Village, Hetian Town, where the forest and grass are flourishing, more than 2,000 Kawada chickens in the six chicken coops of Dongxing Family Farm are some looking down for food, some are running and chasing, and the sound of chickens is coming and going.
In May last year, Wang Donghe, the owner of Dongxing Family Farm, was worried about the funds needed to expand the farm's breeding scale. Changting Supply and Marketing Agricultural Service Co., Ltd. collected materials at the first time, conducted in-depth field investigation with the customer manager of Changting Branch of Bank of China, and successfully granted Wang Donghe a three-year loan of 300,000 yuan with an annual interest rate of 3.625% with the credit enhancement service loan model of "poultry preferential loan", which solved the urgent need of the farm. He used the money to build 6 standardized chicken coops, with an annual stock of 50,000 Kawada chickens and an annual sales of more than 10 million chickens.
[Wang Donghe, farmer of Changting Dongxing Family Farm: With the support of supply and marketing cooperatives + finance, in March last year, I borrowed more than 30 yuan from the Bank of China to breed Hetian chickens on a large scale, which directly generated benefits of more than 30 yuan that year, so that our motivation is getting more and more, and the days are getting better and better, so that my family has embarked on a relatively wealthy road, thanks to the help of supply and marketing cooperatives and finance. 】
In order to effectively solve the problem of "difficulty in loan and financing" in the process of production and operation of new agricultural business entities and farmers, Changting Supply and Marketing Agricultural Service Co., Ltd. led by the county supply and marketing cooperative, Fujian Supply and Marketing Agricultural Service Co., Ltd. and County Supply and Marketing Cooperatives Asset Operation Co., Ltd. jointly established Changting Supply and Marketing Agricultural Service Co., Ltd., to explore and carry out production, supply and marketing, credit "trinity" comprehensive cooperation services, provide credit enhancement service loans for farmers to develop production, and build a "supply and marketing cooperatives + bank" between farmers, agricultural product operators and banks Cooperative financial platform.
At present, Changting Supply and Marketing Agricultural Service Co., Ltd. has a registered capital of 10 million yuan, and cooperates with 5 banks, and the cooperative bank extends 10 times the credit according to the risk compensation fund, and the annual credit enhancement loan service scale can reach 100 million yuan.
Since the establishment of the company, relying on the 18 grassroots supply and marketing cooperatives in the county that have been restored and rebuilt, the county's agriculture-related enterprises, new agricultural business entities, large planting and breeding households, agricultural product processing and circulation enterprises, and merchants have carried out credit enhancement loan services for farmers with the main content of solving the "difficult loans" and "expensive financing", and have achieved good results.
As of the end of March this year, a total of 4,784 credit enhancement loans have been provided to 22 business entities and 1,524 rural households, with an amount of more than 545 million yuan, and 82.296 million yuan in insurance business.
(Chen Tianchang, Zhong Chenbiao, Liu Zhisong)