From the village committee to the old Li family in Jiaogui Village, Danzhai, Guizhou, about a kilometer, through the rain-soaked field stems, the clothes and shoes have disappeared as they were. I can't help but think of a sentence from CreditEase CEO Tang Ning, "'Three Rural' Finance is to bend down, lie on the ground, and get your hands dirty." "The state has always advocated the promotion of financial services to benefit farmers and facilitate the people, precision poverty alleviation, as a financial technology company Yinong Loan, has deepened its service tentacles into the villages and villages in the southeast corner of Guizhou."
Twenty thousand yuan brought about changes
For lenders, $20,000 is a small amount; For Old Li of Jiaogui Village, twenty thousand yuan brings a change in life. When he met Old Li, he had just returned from the field with his grandson on his back, and it was the busy season of farming, and he happened to receive a group of guests brought by a loan from Yi Nong, and bought dozens of pounds of rice and fish raised in the field, earning nearly a thousand yuan. "If you have money, you can expand the scale of cultivation, and you can also use it to buy fry and raise fish in rice fields." Old Li smiled and said that by relying on the harvest in the field, the repayment was very easy.
The matchmaker between Lao Li and Yinong Loan is Li Guangzhi, the legal representative of Danzhai County Duoxiangsong Innovative Agricultural Professional Cooperative (hereinafter referred to as "Duoxiangsong Cooperative"), who returned to his hometown in 2013 to start a business, led local aspiring young people to establish a cooperative, and built a model of "company + cooperative + base + farmer", currently covering more than 200 members, and began to cooperate with Yinong Loan in 2016. "Innod loans provide financial support to the members of our cooperative, as well as helping us to sell our produce." Li Guangzhi said that as of May 2017, Yinong Loan has provided a total of 1.56 million yuan of financial support to farmers in Duoxiangsong and Danzhai, helping Farmers sell tea, batik and other products to a total of 200,000 yuan.
It is a 15-minute drive from the old Li family to reach the Kara special breeding base, which brings together more than 30 farmers, ecological breeding of black hair fragrant pigs, rabbits, fighting cocks, etc., as well as characteristic planting of flowers. According to Li Guangzhi, the base was completed last year, and the project was built with the joint support of the local government, Duo Xiangsong Cooperative, and Yinong Loan, which directly led to 32 poor households such as Kara Village, Jiaogui Village, Yangjia Village, and Tianxingqiao Village in Longquan Town, with an average annual income increase of 6346 yuan.
The silverware shop owner, Sister Wu, is the 165th member of the Duo Xiangsong Cooperative, and there are more than 10 customers in the shop selecting silver jewelry, and they are very busy. "These are all silver jewelry that we have created by hand, and the cooperative helped us find 20,000 yuan of funds to buy raw materials and labor costs." "Is the interest rate on repayment high?" Not high. ”
"Neither the lenders nor CreditEase on the Yinong Loan platform are for profit, and the lenders symbolically receive an expected annualized return of about 2%, so that the assisted farmers themselves take on the responsibility of changing their lives and creating value." Xu Xiuling, director of CreditEase's Corporate Culture and CSR Center, said that the "hematopoietic" poverty alleviation method of lending rather than donating not only realizes the dual harvest of spiritual poverty alleviation and material poverty alleviation, but also realizes the perfect combination of public welfare and commerciality.
Trickles merge into large rivers
Yang Changsheng, director of the Danzhai County Foreign Propaganda Office, told reporters: "We encourage the poor people to use land, technology, capital, labor services and other elements to participate in the development of cooperatives. Building a platform for the poor people to get rid of poverty through cooperatives and other carriers, and establishing a mechanism for linking the interests of cooperatives, village collectives and poor households, can promote the effective use of rural collective assets, resources, funds and other elements, and boost the efficiency of agricultural production, increase farmers' living income, and increase the value of rural ecology. ”
Duo Xiangsong Cooperative is the only cooperative institution of Yinong Loan in Danzhai, with a total of 1.56 million yuan of funds, which is a small amount in the large plate of Yinong Loan. It is understood that Danzhai County currently has 1 county-level poverty alleviation and development cooperative, 6 township poverty alleviation cooperatives, and 161 village-level industrial cooperatives. Xu Xiuling said: "We aim at farmers' professional cooperatives with large volumes and strong cooperative financial attributes in rural areas, and hope to select farmers' professional cooperatives with standardized operations, excellent industries, and certain public welfare attributes to become cooperative institutions." It is understood that Yinong Loan has established cooperative relations with 25 cooperative institutions in 14 provinces and cities across the country, and 160,000 caring lenders have accumulated more than 240 million yuan through the Yinong Loan platform, supporting the development of more than 20,000 farmers.
In Danzhai's financial poverty alleviation model, the "Yi Nong Loan + Cooperative" model is only one of them. Yang Changsheng said: "The county mainly promotes the 'preferential loan' for precise poverty alleviation, and a total of 3,070 poor households have invested in the loans issued by the poverty alleviation industry cooperative, with a loan fund of 149.0331 million yuan." It is understood that as of April 30, 2017, Danzhai County has established a financial support file for 14,386 poor households, 14,386 poor households have been rated and credited, and the total amount of credit loans has reached 716.77 million yuan. The number of poor households that have obtained loans is 5882, and the total amount of loans obtained is 301.327 million yuan.
"Although the scale of capital investment in Yinong Loan is very small in china's total poverty alleviation fund investment, this model is very valuable." Sun Tongquan, an associate researcher at the Institute of Rural Development of the Chinese Academy of Social Sciences, believes that an important reason for the lack of funds in rural areas is the long-term sustained and serious outflow of funds, and Yi Nong Loan has found a feasible way to divert urban funds back to the countryside; At the same time, social forces should be mobilized to participate in poverty alleviation and development, so that this poverty alleviation public welfare activity can develop benignly and sustainably.
Targeted poverty alleviation has always been on the way
"Precision poverty alleviation" means that the target of support is accurate, the project arrangement is accurate, the use of funds is accurate, and the measures are accurate to households. According to Yang Changsheng, Danzhai County has always adhered to targeted poverty alleviation. In 2016, Danzhai County ranked second in the 2016 county-level party committee and government poverty alleviation and development effectiveness assessment of 50 key counties in the province's poverty alleviation and development work. "In the future, we will still vigorously promote the industrial poverty alleviation measures of 'brand belt industry, enterprise belt base, and cooperative belt poor households' (referred to as 'three belts'), and hope that by 2018, the 'three belts' industrial poverty alleviation will cover all poor households in 114 villages in the county, and strive to achieve a per capita annual income of more than 5,000 yuan for the poor population and a per capita annual income for farmers of more than 10,000 yuan." Yang Changsheng said.
"By cooperating with farmers' cooperatives, funds are distributed to poor households, which is the practice of practicing targeted poverty alleviation." Xu Xiuling said that the minimum loan of 100 yuan on the Yinong loan platform may change the living conditions of poor farmers with a few thousand yuan of funds.
Sun Tongquan believes that the combination of urban and rural, online and offline, adopted by Yi Agricultural Loan has played an early exploration role in promoting the development of rural Internet finance. The positive interaction between public welfare microfinance organizations and farmers' cooperatives has also enhanced the self-sustainable development ability of these poor areas.
Li Guangzhi told reporters: "The agricultural products and handicrafts of our cooperative are about to be settled in Wanda Town, and the name of the shop is called Duo Xiangsong. Wanda said it brings nearly 10,000 passengers every day. It is understood that all 342 shops in Wanda Town, Danzhai County, have been rented out, and they are officially opened to the public on July 1 this year.