Shen County Rural Commercial Bank adheres to the business purpose of serving the "three rural" and the real economy, and applies sufficient financial "base fertilizer" to agriculture-related production and operation entities through innovative credit products and optimized service models.
As of the end of May, the bank had invested 43,800 agriculture-related loans with a balance of 14.426 billion yuan.
Huang Cheng-cheng
Characteristic melon has become a new industry to get rich
"I have built a total of 3 high-standard greenhouses this year, and the growth of melons is gratifying, thanks to the financial support of the Rural Commercial Bank! Dealing with you, rest assured! Duan Mingjie, a melon grower in Anzhuang Village, Yandian Town, smiled.
Duan Mingjie had two 3 acres of winter warming greenhouses, all planted melons, last year's net profit reached 250,000 yuan, after tasting the "sweetness", the two resolutely decided to contract land to expand the planting area.
But the first hurdle in front of the two of them is the problem of funds, and when the two of them were at a loss, they happened to catch up with the bank's account manager to enter the village to publicize and support the special action of "greenhouse renovation and upgrading".
After the account manager understood the situation, he issued a "greenhouse upgrade loan" of 300,000 yuan to him in less than 2 days.
Now that there is a bumper harvest of melons, the two of them are always full of smiles.
In order to support the special action of "greenhouse renovation and upgrading" in the jurisdiction, the bank has innovatively launched special credit products such as "greenhouse industry loan" and "greenhouse upgrade loan" to provide financial support for growers and help farmers improve the utilization efficiency and comprehensive production capacity of greenhouses. As of the end of May, the bank had issued a total of 7,856 loans and 1.236 billion yuan to support greenhouse planting, injecting strong impetus into the development of local facility agriculture.
Red
Cherry tomatoes become "rich fruits"
"This season's 'little persimmon' sold 250,000!" Wu Huaijun, a villager in Wudikou Village, Zhanglu Town, said with a smile.
This year, Wu Huaijun planted the "Busan 88" high-quality variety, which not only has excellent taste, but also has extremely high nutritional value, so the price in the market is relatively high.
In October last year, in order to further improve the yield and quality of cherry tomatoes, Wu Huaijun planned to expand the scale of planting and introduce bumblebee pollination technology.
After learning about this situation, Shen County Rural Commercial Bank comprehensively analyzed Wu Huaijun's planting scale and post-harvest income, and issued 500,000 yuan of credit funds for him in only two days.
Now that the harvest season has arrived, Wu Huaijun's heart is full of joy and gratitude in the face of the "red fruits" full of seedlings in the shed and the market price that is twice that of other varieties.
Focusing on the characteristics of local industries, Shen County Rural Commercial Bank implements the precise service strategy of "one town and one industry", signs party building and strategic cooperation agreements with many towns and villages, and innovates and develops diversified credit products such as "Xinqing e-loan" and "greenhouse industry loan" to meet the personalized and differentiated needs of different industries and different customers. As of the end of May, the bank had issued 3.26 billion yuan of credit funds to local characteristic industries.
Golden
Thousands of tons of wheat into the granary
In Tuchen Village, Zhangzhai Township, Chen Shengzhen, a major grain buyer, is busy collecting the newly harvested wheat.
It is understood that Chen Shengzhen plans to purchase 3,000 tons of wheat this year, but because there is a large amount of grain in stock, most of the funds are occupied, and the purchase of wheat needs to be settled on the spot.
After learning about the situation, the account manager of Shen County Rural Commercial Bank recommended him to jointly launch a policy-based loan "Ludan Grain Purchase and Sales Loan" with the provincial agricultural company.
"Thanks to the financial support of 3 million yuan from the Rural Commercial Bank, I have saved the trouble of finding guarantees and mortgages, and now my granary can be filled with grain." Chen Shengzhen said gratefully.
In recent years, in order to support the construction of rural demonstration areas and high-standard farmland, Shen County Rural Commercial Bank has planned in advance, actively connected with relevant government departments, village committees, grain-related enterprises, grain buyers and sellers, large grain growers and other business entities, accurately mapped out the financial needs of grain planting and upstream and downstream industries, formulated comprehensive service plans, and introduced a series of credit products such as "field loan", "strong village loan" and "Ludan grain purchase and sales loan" to meet the differentiated financial needs of customers. Up to now, the bank has granted credit to 1,794 farmers with a total amount of 718 million yuan for grain planting, purchase and sales. (Wang Fangfang, Sun Xinrui)