"Huinong Dan Oil Tea Loan" product release site.
Peng Shunxi, deputy director of the Hunan Forestry Bureau
Red Net Moment, 15 May (Reporter Xiang Wan, correspondent Yang Zhitian Weishen) Today, the reporter learned from the press conference in Hengnan County of "Huinongdan -- Oil Tea Loan" that Hunan Nongdan signed a strategic cooperation agreement on the "Huinongdan Oil Tea Loan" product with four banks, including the Hunan Provincial Agricultural Bank. At the same time, the Hunan Provincial Agricultural Bank and Hunan Agricultural Dan jointly issued guaranteed loans to large oil tea growers on the spot.
In recent years, under the great attention of the Hunan Provincial Party Committee and the Provincial Government, the camellia oleifera industry has developed rapidly, nearly half of China's camellia oleifera production comes from Hunan, hunan camellia oleifera planting area, tea oil production and output value are ranked first in the country, and has created a regional public brand of "Hunan tea oil", focusing on promoting the 100 billion industries with oil tea characteristics.
In view of the financing difficulties and financing dilemmas faced by the operators of the Camellia oleifera industry, with the support of the Department of Finance of Hunan Province, the Forestry Bureau of Hunan Province, hunan Nongdan and the Cooperative Bank have worked closely together since September 2017 to actively and effectively explore the development and financing of the main body of the camellia oleifera industry, and gradually developed a more targeted, more industry-friendly, more suitable for the cultivation of camellia oleifera and industrial characteristics of the agricultural credit guarantee product "Huinong Dan - Camellia oleifera Loan", supporting the oil tea planting and other oil tea business entities in our province to industrialize, scale, Development in the direction of specialization.
The reporter learned that the "Huinong Dan Oil Tea Loan" has the following characteristics: First, the cost is low, the interest rate of the product cooperative bank is not more than 20% of the benchmark interest rate of the same period, and the provincial finance will give a discount of 30% of the benchmark interest rate of 10-10 million yuan (inclusive) for projects with a benchmark interest rate of the same period. Hunan Agricultural Undertaking collects a guarantee fee of 2% / year, and the provincial finance gives a premium subsidy of no more than 1% (1.5% in poor counties) for businesses of less than 3 million yuan (inclusive), and 0.6% / year for businesses of 3 million to 10 million yuan (inclusive). For 10-10 million oil tea projects, after the financial discount discount premium, the actual total financing cost is between 3.55%/year and 5.81%/year. Second, the threshold is low, "forest, silver, burden" tripartite cooperation, free of margin, less than 3 million free of physical mortgage, greatly reducing the financing threshold. The third is to match the loan term with the production cycle, set up a guarantee period and a grace period for repayment for different seedling ages, and match the actual production needs, such as 1-3 years of new oil-making tea forest up to 10 years, the grace period of repayment of up to 5 years, the grace period of repayment only on schedule, and after the grace period, a variety of ways such as installment repayment or one-time repayment when due can be taken to facilitate the use of customers with different needs. Fourth, it is convenient and fast, "forest, silver, dan" tripartite joint investigation, from the receipt of loan application materials within 30 days can issue loans to qualified lenders, there are many cooperative banks, the provincial agricultural bank, the provincial postal savings, the provincial credit union, Huarong Xiangjiang and other more than ten banks have carried out effective cooperation with Hunan agricultural dan in the oil tea industry.
According to the news of the press conference, the "Huinongdan Oil Tea Loan" will build a bridge between financial institutions and the main body of the oil tea industry such as oil tea planting, smooth the financing channel of the oil tea industry, jointly promote the high-quality development of the Oil Tea industry in Hunan, and accelerate the realization of the goal of the 100 billion oil tea industry with characteristics. In the early stage of exploration and implementation, the "Huinongdan Oil Tea Loan" has provided 650 million yuan of loan support for 455 households in Hunan Province such as oil tea planting and other oil tea industry operators. Tang Zheng, chairman of Hunan Nongdan, said that he will strive to achieve the balance of the oil tea project at the end of 2019 to exceed 1.25 billion yuan and reach 2 billion yuan next year, which will effectively help the development of the oil tea industry in the province.