International online Heilongjiang channel news (Liu Caixing correspondent Liu Runfeng Zhang Global): Hailun City Rural Credit Cooperative Association has carried out in-depth activities of "learning from the history of the party, going to the grass-roots level, and doing practical things for the masses", and has focused on solving the outstanding problems of difficult and expensive financing for farmers, new agricultural business entities, small and micro enterprises, and individual industrial and commercial households under its jurisdiction through innovative products, strengthening services, reducing fees and making profits.
The staff of The Helen Rural Credit Cooperative Association visits the enterprise For the Helen Rural Credit Cooperative Association
Haibei Town, Hailun City, is one of the main commodity grain distribution centers in Heilongjiang Province, and there are more than 60 grain collection and storage enterprises in the town. According to incomplete statistics, the town's annual trade in soybeans alone reaches more than 1 million tons. In the past two years, affected by the continuous rise in grain prices, the credit demand of the vast number of grain distributors has increased. In order to solve the financing problem of weak corporate guarantee measures, Helen United Hasen Has launched a grain distribution household joint (mutual) guarantee loan product, which adopts the model of "joint (mutual) guarantee + guarantee" to issue loans according to the customer's operating flow credit. At the same time, in order to reduce financing costs, Helen United took the initiative to reduce the loan interest rate by 1.9 percentage points. As of May 20, Helen United Has granted credit to 38 households with an amount of 96 million yuan, injecting financial living water into the vast number of grain distribution enterprises and promoting the circulation of grain trade in Hailun City and surrounding cities and counties.
The staff of The Hailun Rural Credit Cooperative Association went deep into the enterprise to understand its loan needs Courtesy of the Hailun Rural Credit Cooperative Association
The Panhe Corn Planting Farmers Cooperative in Gongrong Town, Hailun City, is an old customer of the Helens Association, and this year, the cooperative has increased the planting area by 1,500 mu on the basis of the original. After learning of the situation, the staff of Helen United Took the initiative to come to the door to understand its funding needs. In order to solve the financing problems of cooperatives, Hailun United Society cooperated with Heilongjiang Innovative Property Rights Guarantee Company to innovate and adopt the model of "pledge of grain expected income rights + supervision" for cooperative loans of 1 million yuan, ensuring the demand for spring ploughing production funds of cooperatives. With the support of Helen United Press, in just 5 years, the planting area of the cooperative has increased from 400 mu to 4700 mu, and the economic benefits have increased year after year, and the income of members has increased year by year.
The staff of The Helen Rural Credit Cooperative Association explains the loan policy to the farmers Courtesy of the Hailun Rural Credit Cooperative Association
Hailun United has always been to "support the economic development of Hailun City, to provide high-quality financial services for the people of Hailun" as its own responsibility, as of now, the balance of various loans is 5.5 billion yuan, of which the balance of agriculture-related loans is 3.15 billion yuan, the balance of loans for small and micro enterprises is 860 million yuan, and the total amount of loans for spring ploughing production is 1.08 billion yuan throughout the year. Next, Helen United Will continue to emancipate the mind, innovate thinking, launch more credit products, meet the credit needs of different customers, provide financial support for Hailun's urban economic construction and rural revitalization, and celebrate the centenary of the founding of the Communist Party of China.