Longyou farmers have "knocking on the door"!The "Family Asset Pool" financing model broaden the Gongfu Road

"Thanks to the new model of financing of Yishang Bank 'Family Asset Pool', with my own inconspicuous family assets, I got a credit loan of 300,000 yuan without finding a guarantee." Master Chen of the village was a little excited.

It turned out that Master Chen had grown seedlings in Pengtang Village for 5 years and had good operating conditions. Recently, as the seedlings have gradually become popular, they plan to expand and upgrade the planting base. At the time of the exhibition, it coincided with the visits of the staff of the righteous business bank. Customer manager Xiao Chen said that Mr. Chen is an old customer and has a loan of 200,000 yuan. After receiving Mr. Chen's new 100,000 financing demand, the bank re -determined his "family asset pool". Fixed assets such as farm houses and seedlings have increased the valuation of land contract management rights, and then visited the feedback information of villagers in the villagers and his trading customers, determined his credit index, comprehensively analyzed "hard assets+soft assets" The application for the enrollment and credit enhancement conditions for him to apply for the application for the 100,000 yuan credit line for him was approved on the same day.

According to reports, the "Farmer Family Assets Liability Table Financial Model", as an important carrier of financial support for rural rejuvenation and promoting common prosperity, "hard assets + soft assets" broaden the ideas of financial services and effectively expand farmers 'credit elements (farmers' assets ): Farmers' fixed assets, rights assets, living assets, financial assets, financial assets, credit intangible assets, etc., liabilities cover bank borrowings and civil loans. Through a "farmer's family asset liability statement", farmers can be more comprehensive and effective. The comprehensive credit line has effectively improved the sense of gain and satisfaction of farmers' credit loans. Since July, the outlets within the jurisdiction of Longyouyi Shang Village and Town have carried out special village credit activities, and actively promoted the Zhejiang Banking Insurance Regulatory Bureau to propose the "farmers' family balance sheet financing" model. The assessment of the land contract management rights, the village collective organization of the equity, and the breeding bodies, and use the ethics, integrity, family style and other factors as bonus points. "Hard assets + soft assets" can be included in the "farmers' family asset pool" to fully revitalize the assets of farmers.

Under the guidance of the Luzhou Banking Insurance Regulatory Bureau, the bank established a special class of financial support for rural rejuvenation and helping the common prosperity in early 2020 to explore the "farmers' family asset -liability statement financing model". , Suitable for products, etc., the five branches in the jurisdiction have tried to promote it. Since the pilot of the past two months, the entire bank in Pengtang Village and other 15 villages have promoted the amount of 463 credit households of 53.68 million yuan, and the amount of 138 households was 11.05 million yuan. "Implementing 'positive incentive'+'negative information' management, combined with the financing model of farmers' balance sheet, transforms the intangible credit of each farmer into a visible and affordable credit loan, helps to promote rural revitalization and rural revitalization and The vast number of farmers are rich in common. "Said Fu Qiang, president of Longyouyi Shang Village and Town Bank.

Correspondent Xiang Jun

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