Agricultural Bank of China, as the national team and main force of financial services for agriculture, rural areas and farmers, regards rural revitalization as the basic starting point of its work for agriculture, rural areas and farmers at present and in the future. Among them, the "Seven Actions" of rural revitalization are the top priority of financial services for agriculture, rural areas and farmers, including: serving the integrated development of rural industries, serving the strategy of food security, serving the construction of beautiful and livable villages, serving the development of happy industries in counties, and serving the green development of counties. This article will extract the typical cases about the "Seven Actions" of rural revitalization taught in the live broadcast class, so that everyone can better understand and know.
Serve the development of rural industrial integration, support the development of new agricultural business entities and modern agricultural industrial groups, support the construction of "three parks in one" and industrial integration projects in the park, support the construction of agricultural product circulation system, and support the upgrading and transformation of county industries.
1. Typical case: Hebei Branch of Agricultural Bank of China provides differentiated financing support around Jinmailang Modern Agricultural Consortium, taking Jinmailang Group as the starting point and combining the financial needs of customers at different stages. In the grain purchase season, provide seasonal purchase funds; Provide liquidity support in raw material procurement; Provide fixed assets loan support in expanding production links. Focusing on the joint business circle of agricultural industrialization in Jinmailang, taking credit products such as "data online loan" as the starting point, the internal data platform of the bank is connected with the ERP system of Jinmailang Group, and online financing is provided for small and micro enterprises that produce, circulate and sell upstream and downstream by using enterprise order information, transaction information and payment data. Through the extension of the industrial chain, farmers are granted "e-loans for benefiting farmers" to support them to expand production, which further enhances the development momentum of local rural agriculture.
2. Typical case: In order to strengthen cooperation with the National Agricultural Credit Guarantee Alliance and provincial agricultural credit guarantee companies, give full play to their respective advantages and broaden the guarantee channels for new agricultural business entities, on October 28th, 20 18 165438 10, China Agricultural Bank and National Agricultural Bank Co., Ltd. signed the Cooperation Agreement for Serving New Agricultural Business Entities again. The loan product is a RMB loan issued by Agricultural Bank of China to agriculture-related individuals and enterprises that provide joint and several liability guarantee for agricultural companies, so as to meet their capital requirements for agriculture-related production and operation. The loan amount is between 3,000 yuan-10/0,000 yuan, and the loan targets are poor households, farmers, large professional households, family farms, enterprises and projects that meet national regulations. Agricultural companies can provide guarantees separately, or they can provide combined guarantees together with government risk compensation funds, insurance companies and commercial guarantee companies. Both parties may agree on the proportion of risk sharing and the grace period for compensation. By the end of 20 18, 3/kloc-0 tier-one branches of Agricultural Bank of China had cooperated with single farmers, with the intended cooperation amount of127.8 billion yuan, and the accumulated secured loans were1200 million yuan, with a loan balance of 9 billion yuan.