As the bulk of the annual grain production, autumn grain production accounts for three-quarters of the total annual grain output. At present, the mainland's autumn grain has ushered in a large-scale harvest. According to the latest data released by the Ministry of Agriculture and Rural Affairs, more than half of the country's autumn grain has been harvested, and the autumn grain is expected to be harvested again.
In the critical period of the autumn grain harvest, grain purchasing enterprises often encounter problems such as large capital demand and tight time, and the branches of the Postal Savings Bank have adapted measures to local conditions, in view of the characteristics of short time, high frequency and urgent demand for autumn harvest funds, through special activities, set up a financial service team, go deep into the fields to actively visit, understand the capital needs of enterprises, tailor-made financial service solutions for customers, and help realize "someone collects grain, has money to collect grain, has a warehouse to collect grain, and has a vehicle to transport grain".
Postal Savings Bank's finance helps grain procurement to be carried out in an orderly manner
Special activities to help autumn grain "granules return to the warehouse"
Jiangxi, known as the "granary of the south of the Yangtze River", is one of the 13 main grain producing areas in China, and is a major province of agriculture, grain and agricultural products. The rice grains are full, crystal like jade, mellow and long, and nutritious...... The good ecological environment has endowed Poyang rice with unique excellent quality.
52-year-old Ji Chunfa used to be a large grain grower and planting celebrity in Pobei area, with the support of credit funds from the Postal Savings Bank, he invested 5 million yuan in 2019 to establish Jiangxi Zhongpo Rice Industry Co., Ltd., registered two rice brands of "Zhongpo Lake Rice" and "Poliang Tribute Rice", and in 2020, he established Zhongpo (Guangdong) Food Supply Chain Co., Ltd., successfully completing the whole industrial chain coverage from rice planting, acquisition, processing, drying, packaging to sales.
This year, it was planned to increase investment to expand storage capacity and upgrade rice processing equipment, but the lack of working capital has become a "roadblock" on the road to the production and development of the enterprise. Postal Savings Bank Jiangxi Poyang County Branch in the daily visit to understand the situation, the first time to arrange the customer manager to come to the door, on-site collection of relevant loan information, combined with the actual development of the financing plan, soon to the enterprise issued "U grain easy loan", the product is the Postal Savings Bank for the grain industry chain engaged in grain storage, processing and other links of the exclusive credit products launched by small and medium-sized enterprises, a single credit line of up to 20 million yuan, can effectively meet the capital needs of enterprises in grain purchase, help business development.
The account manager of the Postal Savings Bank explains the credit products to local growers
The Jiangxi Branch of the Postal Savings Bank of China actively gives full play to the innate advantages of supporting agriculture and supporting small enterprises, optimizes product elements in view of the characteristics of strong seasonality, large capital demand, urgent time and high frequency of payment for autumn grain purchase, adjusts the upper limit of credit quota to 3 million yuan for grain purchase customers, and carries out the special activity of "Golden Gansu, Loan Harvest" in the grain purchase industry, and takes the whole chain and each link of "farming, planting, management, harvesting and baking" in the grain industry as the entry point to provide comprehensive financial services for customers with core subjects and their industrial chains. Meet the diversified financial needs of customers in the grain industry and help autumn grain "return to the warehouse".
The financial services team comprehensively mapped out the funding needs
Liaocheng, Shandong Province is a big agricultural city, a big grain city, every harvest season, large and small grain buyers, will try their best to collect more grain, racking their brains to raise funds, the Postal Savings Bank's "quick loan" product, so that the problem of grain collection funds has been effectively solved, and Han Zhenqing, a large grain collector, is the beneficiary.
Han Zhenqing and his wife have been running the Zhenqing Grain Purchase and Sales Department in Liu Yuanzi Town for more than 10 years. As early as 2020, the Linqing Branch of the Postal Savings Bank handled a 2 million yuan Ludan Huinong loan for Han Zhenqing, helping him expand the scale of grain purchase and sales. At present, the autumn harvest is imminent, Han Zhenqing found the account manager of the Linqing branch of the Postal Savings Bank and asked if there was a suitable loan product. According to Han Zhenqing's demand for money and assets, the account manager successfully granted Han Zhenqing more than 130 yuan of credit through the quick loan-mortgage (online) product, which met the customer's capital needs in a timely manner.
The account manager of the Postal Savings Bank understands the customer's autumn harvest capital needs at the grain collection point in Zhulou Village, Liuyazi Town, Linqing City
"The Postal Savings Bank's quick loan was quickly applied, which is so convenient!" Han Zhenqing was full of praise for the products and services of the Postal Savings Bank, and he also recommended the product to other grain buyers and sellers in the village. This year, the Postal Savings Bank has granted a total of more than 10.5 million yuan of credit to grain buyers and sellers in Zhulou Village.
In order to support the production of the third autumn, the Shandong Branch of the Postal Savings Bank made early deployment and acted quickly, actively connected with the township government, the Agriculture and Rural Bureau, the Food Bureau and other departments, investigated and understood the autumn grain information, and set up a financial service team, arranged for the customer manager to go deep into the field every day, and took the initiative to visit the large grain growers, large grain harvesters and grain processing enterprises, etc., to publicize the policies and financial products that support agriculture and benefit farmers, comprehensively explore the capital needs of the autumn harvest, and ensure the orderly development of the autumn harvest. Since the beginning of this year, the Shandong Branch of the Postal Savings Bank has provided a total of 14.4 billion yuan in loans to grain industry customers such as grain growers, grain buyers, and grain processing enterprises.
Escort the construction of the "rice bag" project in the Greater Bay Area
Shaoguan is an important supply base for grain and vegetables and other agricultural products in Guangdong Province. Nanxiong Guanyitong Grain Processing Co., Ltd. is the largest county-level city under the jurisdiction of Shaoguan Nanxiong City, the largest collection of grain purchase and processing as one of the enterprises, the workshop is placed a neat intelligent agricultural machinery products, a production line is running efficiently, workers are processing and loading and unloading autumn grain.
In recent years, with the expansion of scale, enterprises continue to update and increase new grain processing equipment, and the level of mechanization is getting higher and higher, but they have encountered the dilemma of insufficient working capital in the autumn grain purchase. As a financial escort for the growth of enterprises, recently, the customer manager of the Postal Savings Bank found that the customer urgently needed funds to expand the scale of autumn grain acquisition during a return visit, so he immediately conducted an increase credit investigation for the enterprise, and soon issued a credit loan of 500,000 yuan for the customer, which not only solved the urgent need of the enterprise to use the money, but also indirectly broadened the sales channels of the farmers' autumn grain.
"This year's rice harvest is bumper, the quality is good, the grains are very full, we want to buy more rice for processing and sales, thanks to the financial support provided by the Postal Savings Bank, we can rest assured that we can buy more rice from farmers!" The person in charge of the enterprise thanked the account manager of the Postal Savings Bank.
The head of the company shows the account manager of the Postal Savings Bank the high-quality, full-grained rice produced by his company
As of the end of September 2024, the balance of agriculture-related loans of the Guangdong Branch of the Postal Savings Bank of China was nearly 120 billion yuan, and a total of 5 billion yuan of loans were issued to more than 10,000 grain planting and grain harvesting enterprises and farmers this year.
Silver cooperation to solve the problem of autumn grain purchase funds
Linshui County, Guang'an City, Sichuan Province, is a major grain producing county, and grain output has increased year after year. "The loan from the Postal Savings Bank has solved our financial problems and helped the company tide over the difficulties of this autumn grain purchase." Ms. Qiu, the person in charge of Linshui County Shunxiang Rice Industry Co., Ltd., said excitedly.
In recent years, the "Shunxiang" brand series of rice produced by Shunxiang Rice Industry has sold well in Sichuan and Chongqing, and the supply exceeds demand. During the autumn harvest season, enterprises are in a hurry to purchase rice from large grain growers, but they are facing the problem of capital turnover. After learning about the needs of the enterprise during the visit, the customer manager of the Linshui County Branch of the Postal Savings Bank immediately launched a pre-loan investigation, explored the guarantee method suitable for the enterprise according to its processing scale, loan records and other information, and finally cooperated with Sichuan Agricultural Financing Guarantee Co., Ltd. to extend credit and issue a loan of 2 million yuan through industrial loan products.
In recent years, based on the economic development of the county, the Sichuan Branch of the Postal Savings Bank has focused on key areas such as grain, made every effort to solve the financing problems of the county's grain industry, and injected financial vitality into the development of agriculture. In the next step, the Sichuan Branch will increase financial supply, continue to help the purchase of autumn grain, follow up the progress of the acquisition and the demand for funds in real time, and timely release loan funds.
Featured financial products help to collect grain
"I'm living a prosperous life now, thanks to the financial support of the Postal Savings Bank." Looking at the busy grain collection scene in front of him, Li Qiang of Houguanzhai Village, Houguanzhai Town, Xifeng District, Qingyang City, Gansu Province, was grateful.
The account manager of PSBC visits customers to understand their capital needs
Catch up with this year's corn and other grain crops purchase prices moderate, as in previous years, Li Qiang wants to use the financial support of the Qingyang branch of the Postal Savings Bank to further expand the scale of operation, on September 26, Li Qiang called his "old friend" - the Qingyang branch of the Postal Savings Bank, the customer manager immediately visited and introduced the "industrial loan", the product does not need to be mortgaged, the procedures are simple, the loan speed is fast, the customer can use the money at any time on the mobile phone, and fully meet the working capital needs in the grain purchase. After Li Qiang submitted the loan application, the loan of 300,000 yuan was quickly disbursed to his account.
"Now my site and equipment are gradually expanding, thanks to the Postal Savings Bank for its strong support to our grain purchasing enterprises!" Li Qiang said excitedly.
The grain output of Qingyang City, Gansu Province has been stable at about 1.5 million tons for three consecutive years, as the main force serving rural revitalization, the Gansu Branch of the Postal Savings Bank has actively deployed the financial support for the purchase of autumn grain, relying on credit products such as "personal industrial chain loans", "quick loans", "entrepreneurial guarantee loans" and "agricultural guaranteed loans", and continuously increased credit to seize the critical period for grain purchase customers. In recent years, the Gansu Provincial Branch of the Postal Savings Bank has provided 30 billion yuan of agriculture-related loans and more than 4.1 billion yuan of loans to the grain industry.
Source: China Economic Net
Editor-in-charge: Du Ao
Preliminary review: Zhang Liyun
Re-examination: Shi Wei
Final review: Cao Mengnan