During the spring ploughing and preparation period, Lanzhou Bank made great efforts to tilt special resources, innovate product models, improve service quality and efficiency, actively provide credit support for agricultural production, and fully guarantee the demand for funds for spring ploughing and preparation, so as to ensure that agricultural time is not delayed.
New mode "expanding channels"
"Lanzhou Bank's grain planting loan is approved quickly and the interest rate is low, which solves the big problem of my corn planting." Mr. Zhao, who lives in Wuhe Town, Liangzhou District, Wuwei City, is a famous local grower. He plans to plant 2000 mu of corn this year, but his family is worried about the lack of funds to buy agricultural products. After learning about this situation, Wuwei Branch of Lanzhou Bank took the initiative to contact and provide on-site service, and quickly handled a grain planting loan of 500,000 yuan for it.
In order to help fight the first battle of grain production, Lanzhou Bank, on the basis of in-depth understanding of the development characteristics of agricultural industry and the progress of spring ploughing, took the initiative to dock agricultural professional service companies and insurance companies, strengthened cooperation, signed cooperation agreements, and established a financial service mechanism of "bank+enterprise+insurance+farmers".
In this mode, the advantages of banks' capital, agricultural professional service companies' planting advantages and technical advantages, and insurance companies' risk mitigation advantages are effectively brought into play, the effective combination of financial services and agricultural production financial needs is fully realized, and farmers' income from growing grain is effectively guaranteed. The bank's grain planting loan business has been approved by 7 1 tens of thousands.
New product "drawing living water"
Lanzhou Bank seized the opportunity of digital transformation, continuously optimized the Pratt & Whitney agriculture-related product system, comprehensively improved the efficiency of spring ploughing service by creating online agricultural loan products, and actively promoted online characteristic agricultural loan products such as "Easy Agricultural Loan" and "Lily Benefiting Farmers Loan" according to the characteristics of "short, small and fast" farmers' agricultural funds. Farmers can use money at any time according to actual needs, and they can get financial support without leaving home, effectively realizing "making data run more errands and customers run less". At present, the bank's accumulated credits of "Agricultural Easy Loan" and "Lily Huinong Loan" are nearly 654.38 billion yuan.
New service "education industry"
Lanzhou Bank provides diversified financing services around the agricultural production of important crop producing areas in the province and in combination with the financial needs of different characteristic producing areas. For the problem of insufficient collateral for grain production and storage enterprises, we should actively innovate financing methods and introduce various guarantee methods to effectively solve the problem of difficult and expensive financing.
Located in Zhangye City, Gansu Ding Feng Potato Seed Industry Co., Ltd. is a leading enterprise in agricultural industrialization in this province. This year, the company seized the policy opportunity and planned to expand the planting area to 53,000 mu. However, due to the lack of sufficient collateral, it was worried about funds. After docking with the enterprise, Lanzhou Bank flexibly used the combination of "guarantee+inventory mortgage" to guarantee, and introduced the supervision of a third-party supervision company to launch a financing scheme with the inventory "commodity potato" mortgage as the guarantee, providing the enterprise with 20 million yuan of credit assistance.
It is an important measure for Lanzhou Bank to do its best to provide financial services for spring ploughing, serve agriculture, rural areas and farmers and help rural revitalization. In the next step, Lanzhou Bank will continue to increase its credit investment in agriculture, rural areas and farmers, and let the living water of finance moisten the land of Longyuan with more efficient and convenient financial services.