East Fujian is a blend of mountains and seas with abundant products. From the early spring when tea trees show new buds to the summer when fruits and vegetables are fragrant in the orchard; From the "gold nugget" under the forest to the cabin full of fish at sea? This unique land is pregnant with endless hope.
how to make a new breakthrough in agricultural characteristic industries in the new era is the goal of the people of ABC. As a large state-owned bank, Agricultural Bank of China Ningde Branch insists on serving rural revitalization as the top priority of its work. Focusing on Ningde's agricultural characteristic industries, we will constantly improve the system and mechanism, accelerate product innovation, strengthen scientific and technological empowerment, increase credit supply, fully provide financial services for agriculture, rural areas and farmers, and strive to build a leading bank serving rural revitalization.
as of August 221, the loans of Ningde Branch of Agricultural Bank of China increased by 3.343 billion yuan compared with the beginning of the year, of which the county loans increased by 2.868 billion yuan, accounting for 85.8% of the bank's loans. Agriculture-related loans increased by 1.469 billion yuan compared with the beginning of the year, an increase of 46 million yuan year-on-year, which injected a steady stream of financial living water to help rural revitalization in eastern Fujian.
The Fishing Song is loud and cheerful.
in recent years, xiapu county in Ningde has made great efforts to develop the marine economy. With the continuous expansion of aquaculture scale, sea cucumber farmers and processing enterprises are facing the problem of insufficient funds. In order to solve this problem, Xiapu Sub-branch of Agricultural Bank of China established farmers' files, and supported by big data, granted loans of 1, to 2, yuan to farmers with good credit records, providing financial guarantee for industrial development.
"With the strong support of Agricultural Bank of China, our characteristic mariculture industry will surely get better and better." Pan Chenglian, a mariculturist in Xiapu, is facing the problem of fund shortage because of expanding laver culture. After learning the policy, Pan Chenglian immediately contacted Xiapu Sub-branch of Agricultural Bank of China, hoping to get credit support.
The account manager of Agricultural Bank of China Ningde Branch asked the local farmers about abalone breeding and financial needs. Lai she
If people have something to say, they will have something to say. Xiapu Sub-branch of Agricultural Bank of China immediately set up a special financial service team, went door to door, collected farmers' information from door to door, provided accurate financial services, and increased the loan amount of farmers from 1, yuan to 2, yuan.
constantly amplify the financial inclusive effect and make the "fishing song" cheerful. As of August this year, Ningde Branch of Agricultural Bank of China has supported 9,587 customers in aquatic products industry with a credit amount of 1.649 billion yuan and 8,319 customers with a credit amount of 1.336 billion yuan.
Take care of the golden leaves
"The loan from the Agricultural Bank of China really helped me a lot. Timely solved the problems of expanding the planting area of tea garden this year and the shortage of funds for building processing plants. The loan procedure is very simple, the interest rate is very low and the service is particularly good. " Wu Jingping, who lives in Kengliyang Village, Berlin Town, Fuding, Ningde, said excitedly.
Wu Jingping is a local tea farmer who has been planting tea for many years. This year, he plans to expand the planting area of tea garden from 2 mu to 6 mu, and build a new tea processing factory, but he is facing the pressure of capital shortage.
The account manager of Agricultural Bank of China Ningde Branch asked the local tea farmers about tea planting and financial needs. Lin she
After learning this situation, Fuding Sub-branch of Agricultural Bank of China immediately organized the account manager to provide one-stop service, and combined with the actual capital needs of customers, increased the credit from 7, yuan to 3, yuan, and issued loans the next day, which solved the urgent needs of customers.
connect people's hearts and help others make money. Since the beginning of this year, based on serving the tea pillar industry, Ningde Branch of Agricultural Bank of China has taken the opportunity of establishing a national-level inclusive finance reform pilot zone in Ningde, and on the basis of implementing the "three realities" principle and "promoting the whole village", innovatively launched the "tea loan promotion" product, further deepening the financial service for customers in the tea industry
Gutian county government issued preferential policies to encourage the construction of standardized mushroom sheds. Cheng Chunsheng wants to seize the opportunity to do something big, but the lack of funds has become a stumbling block. He calculated an account: this mushroom shed reconstruction needs to build 1 quasi-mushroom sheds. At present, 1 outer sheds and 73 inner sheds have been built, each of which needs to be equipped with intelligent environmental control system, and the construction capital needs 5.5 million yuan. In addition to raising 3.5 million yuan, there is still a shortage of 2 million yuan.
how to make up for such a big funding gap? Just when Cheng Chunsheng was at a loss, the inclusive finance Service Working Group of Agricultural Bank of China Ningde Branch went to Gutian County to publicize the "mushroom shed loan", and he immediately applied for the loan. After 2, yuan arrived, he quickly expanded the scale of planting.
The account manager of Ningde Branch of Agricultural Bank of China understands the cultivation of edible fungi after the transformation of mushroom shed. Song photo
Farmers have the right to speak, and finance has a response. In view of the wide range of farmers in Gutian, Ningde Branch of Agricultural Bank of China focused on providing micro-credit for innovative products of mushroom farmers. At the same time, it introduces the guarantee of provincial agricultural guarantee company, standardized mushroom shed mortgage and "two rights" mortgage. Moving the office, speeding up the examination and approval, has sent funds to many mushroom farmers.
Agricultural Bank of China Ningde Branch has made efforts to support edible fungi industry loans to blossom and bear fruit in Gutian fertile soil. By the end of August this year, Ningde Branch of Agricultural Bank of China had supported 7,769 customers in edible fungi industry with a credit amount of 1.1 billion yuan and 6,755 customers with a credit amount of 835 million yuan.
"borrowing" beauty to enrich the people
In the project of Fujian Tourism Investment Group Co., Ltd. to invest in the construction of Red Education Practice Base, "timely rain" solved the "thirst for funds" of the project construction.
at the beginning of the project, Ningde Branch of Agricultural Bank of China actively intervened, used the tourism loan policy of Agricultural Bank of China, and granted the project a credit of 6 million yuan in less than one month under the coordinated marketing and parallel operation of provinces, cities and counties, effectively solving the problems of imperfect supporting facilities and limited reception capacity in the development of red tourism in Xiadang Township.
night view of Xiadang Township. Wu Weiwei
Tourism is an important characteristic resource. In recent years, Ningde Branch of Agricultural Bank of China has continued to take financial support for rural tourism development as the key work of rural revitalization, closely combined with Ningde's tourism resource endowment, based on the city's tourism poverty alleviation industry, actively explored the development model of financial promotion of tourism and poverty alleviation through tourism loans, and promoted the development of local tourism by deepening financial services for tourism. According to statistics, as of the end of August this year, Ningde Branch of Agricultural Bank of China has supported 7 companies in the tourism industry with a credit line of 14.4 yuan.
1 million yuan, with 5 households using letters, with an amount of 41 million yuan.
"Sleeping" resources have been revitalized
To promote the high-quality and efficient development of agriculture, financial guarantee is undoubtedly an unavoidable link.
Ningde Branch of Agricultural Bank of China took the circulation financing of rural production factors as a breakthrough, and started a new attempt of "changing resources into assets, funds into shares, and farmers into shareholders".
Sansha Town in Xiapu is a traditional land of plenty of fish and rice, and the fishing industry of fishing boats is very prosperous. "I will definitely have a good harvest after I start fishing this year." Huang Baozhong, a local fisherman, said confidently. Behind his confidence is the credit support of Xiapu Sub-branch of Agricultural Bank of China.
Huang Baozhong has been engaged in fishing boats for more than 2 years. This year, the fishing market is improving, and he is ready to expand its scale. However, due to the shortage of funds, when he was at a loss, Xiapu Sub-branch of the Agricultural Bank of China learned about its capital demand, and immediately went to the door to dock and accept the fishing boat mortgage loan business for him. Soon 4.45 million was distributed to Huang Baozhong.
Unlike Huang Baozhong, who solved the problem of capital turnover through fishing boat mortgage loan, Lin Yanfei, a villager in Qingshan Village, Xinan Town, realized the realization of resources by his shares in Xiatang.
"A few years ago, the Agricultural Bank of China launched a credit loan. As long as the farmers in our village have real farming and have no credit problems, they basically applied for this loan. This year, the Agricultural Bank of China launched a factor of production financing loan, which realized the equity in our hands. I will borrow 2, yuan alone. " Lin Yanfei said cheerfully.
the account manager of Ningde branch of ABC inspected the fishing boats on the spot. Photo by Lai Meifang
Try first and do well. Nowadays, Ningde Branch of Agricultural Bank of China has promoted the transfer financing of rural production factors in tea, aquaculture, edible fungi, stone processing and other industries, so that customers can enjoy more convenient and inclusive financing, and at the same time, the rural financial products of Agricultural Bank of China are more grounded. According to statistics, since the beginning of this year, the Ningde Branch of the Agricultural Bank of China has accumulated 2,376 financing businesses for the transfer of rural production factors, with an amount of 377 million yuan. (Wang Xiaoqiang, Wu Jie) Related Questions and Answers: