In order to effectively meet the demand for financial capital in modern agriculture, CCB Shanghai Songjiang Sub-branch recently completed the first loan of a specific variety pledged by collective land in Songjiang to help the development of Songjiang's characteristic agriculture. In recent years, on the basis of reaching a preliminary strategic cooperation with the District Agricultural Committee, the sub-branch has continued to increase financial support for farmers, continuously innovated financial products and services for farmers, and empowered comprehensive rural revitalization.
The first collective land mortgage loan to help agricultural development
In the west of Yexie Town, on both sides of Yexin Highway, the flower industrial park covering an area of more than 2,000 acres and a total investment of nearly 2.5 billion yuan - Shanghai Songjiang Yangtze River Delta Flower Science and Technology Innovation Industrial Park (also known as "Yunjian · Huigu") is under construction. Among them, the construction of 630 acres of modern sunshine shelter has been completed, and more than 80% of the tenants have been settled in. The construction of the productive supporting functional buildings located in the center of the park has recently successfully obtained a loan of 100 million yuan from CCB Shanghai Songjiang Branch, and the first 50 million yuan has been successfully launched.
"These productive supporting buildings cover functions such as talent apartments, training, exhibitions and exhibitions, and are an important part of the entire park to improve the layout of the industrial chain." Zhu Huawei, general manager of Tianlu Horticulture, the operating unit of the park, said that CCB's credit support has given the park confidence and confidence to develop, and in the future, it will be built into a comprehensive flower park with the largest scale, the most complete brand and covering the whole industry chain in Shanghai. The output value is expected to reach 2 billion yuan in 2028 and double in 2035.
During the "14th Five-Year Plan" period, Shanghai will build three municipal-level flower industry clusters, and Songjiang's Yunjian · Huigu is among them. For CCB Shanghai Songjiang Sub-branch, this is the first specific type of loan secured by the collective land that has entered the market. "Because it's new, we need to cross the river by feeling the stones." Li Jianfeng, Secretary of the Party Committee and President of CCB Shanghai Songjiang Sub-branch, introduced that in this process, the CCB team visited the park for many times to conduct on-site inspections, negotiate and negotiate, and formulated a corresponding mortgage loan plan according to the particularity of the park's access to collective land in the market.
Continue to optimize financial products and services for farmers
In order to contribute to the comprehensive revitalization of rural areas, CCB Songjiang Sub-branch has continued to optimize products and services related to benefiting farmers in recent years. In August 2023, CCB Shanghai Songjiang Sub-branch reached a strategic cooperation agreement with the District Agricultural Committee. According to the agreement, the sub-branch will increase financial support for farmers, closely follow Songjiang's strategy of "stronger agriculture, more beautiful countryside, and richer farmers", strengthen cooperation with rural areas, provide intentional financing for agriculture-related enterprises, and provide inclusive financial convenience for rural areas and farmers. At the same time, we will innovate the financing model, take Songjiang District as an opportunity to "pilot area for collective management construction land into the market", increase financial support for rural collective asset management, carry out pilot innovation in the mortgage of collective land management rights, and pilot financing for farmers' concentrated residences, and vigorously support the agriculture-related private economy.
The continuous "down" sinking of agriculture-related financial institutions has made financial products and services truly not out of agriculture and more beneficial to farmers, so that the living water of finance will continue to flow into the soil of "three rural" and bear fruitful results of financial benefits to farmers.
In Xinbang Town, the sub-branch has innovatively built a town-level "digital cloud village" governance platform to promote good governance in rural areas. At the same time, CCB has built the first "credit town" in the district, and carried out "town-wide credit" for tens of thousands of rural households and new agricultural business entities in the town, so that rural credit users who meet the corresponding conditions can obtain credit support from CCB in the form of credit.
In Xiaokunshan Town, the sub-branch takes the modern agricultural demonstration area of 10,000 acres of fertile land as the main position, and handles the "Yunong Quick Loan" for family farmers in batches. In Maogang Town, the "Songjiang Rice Loan" was put into the farmers' professional cooperatives. After on-site due diligence and information archiving of the sub-branch, individual farmers, family farmers, and small and micro agricultural entrepreneurs with good credit status can independently apply for credit agriculture-related loans on mobile banking for agricultural production and operation.
In Yexie Town, the sub-branch used the "CCB Life" platform to create a "digital currency preferential purchase" scene for rural coffee; In Jiuting Town, the sub-branch applied for "collective credit loans" for economic cooperatives, and granted credit to rural collective economic organizations such as town economic cooperatives and village economic cooperatives to meet their production and operation needs and help the development of a new rural collective economy. In the whole region, the sub-branch has set up nearly 100 "Yu Nong Tong" service points, serving tens of thousands of people's livelihood transactions.
CCB Shanghai Songjiang Sub-branch said that in the future, it will continue to pay attention to the credit needs of major infrastructure construction in key agricultural parks and modern facility agricultural areas, and increase the provision of agriculture-related loans. Carry out rural financial product salon activities for leading enterprises in agricultural industrialization, small and micro agricultural enterprises and professional cooperatives; Anchoring the farmers' market, promoting the launch of the "Yunong Market" settlement platform, and helping to improve the payment and settlement system in Songjiang.
Text: Li Zhenzhen
Image: Li Zhenzhen Data map
Editor: Gui Kexin