Nongjin services have effective results in the revitalization of Xinzhao Rural Revitalization

Nongjin services have effective results in the revitalization of Xinzhao Rural Revitalization

Nong Guangda

Since the beginning of this year, Guangxi Tian and other Rural Commercial Bank banks have actively played the role of rural financial military forces around the support of "agriculture, rural areas" and serving rural rejuvenation, and conducted a realistically do excellent rural financial services. Increasing the "goal to contribute financial power.

Scientific and technological empowerment, accelerate the digital transformation of agricultural and gold services. "This is really convenient. You can get loans remotely through your mobile phone. I don't have to rush back to apply for a loan. This era is really good!" Ms. Huang, who lives in the counties, and other counties. After applying for a small credit loan of 50,000 yuan, she had to go out to go through the renewal procedures when she went out to migrant workers. Now, in just a few minutes, she can easily complete the loan procedures, and she can't help sending the above sighs.

Tiantian Rural Commercial Bank uses scientific and technological forces to promote financial services from super speeds, make full use of digital platforms to carry out online loan to effectively improve service efficiency. Since the beginning of the year, the bank has fully adopted the agricultural information management system for "integrating information collection, rating credit, review and approval, agreement signing, credit issuance, post -loan management, and electronic files". The entire process is distributed to realize the "paperless, online, mobilization, and standardization" of farmers' loan business, which greatly reduces the time cost of handling payment and shorten the spacious distance of financial services. As of the end of June, the bank had a total of 1913 loans through the agricultural information management system, with a amount of 16.669 million yuan.

"Insurance+Credit" and broaden agricultural financing guarantee channels. The bank strengthened business cooperation with insurance companies, made full use of insurance policies to increase credit in agricultural business entities, establish and improve the agricultural credit risk dispersion mechanism and financing guarantee mechanism, and vigorously promote the "insurance+credit" agricultural insurance policy pledge loan. As of the end of June, the bank had issued a total of 891 "insurance+credit" model loans and a amount of 47.06 million yuan.

"Pig Live Mortgage Loan" supports pig -stabilized production protection. A certain ecological breeding Co., Ltd. is the largest pig breeding enterprise in Tianxian and other counties. It is also a key support enterprise in Tianxian counties. There are 4 pig farms and about 18,000 meat pigs. Since the beginning of the year, due to the impact of the epidemic, the cost of breeding has increased, and the price of pigs has fallen. The company has faced the problem of capital turnover. The funding gap is nearly 5 million yuan. The production and operation plan cannot be progressing smoothly. After learning about the situation, the Rural Commercial Bank of China immediately sent financial commissioners to take the initiative to docking to learn more about the company's production and operation, funding gap, financing intention, etc. in detail. Considering that the company's funding gap and lack of sufficient mortgage, Tiangong and other Rural Commercial Banks immediately contacted the Chongzuo People's Insurance Casualty Insurance Company and negotiated to handle the bail pledge loan. In June of this year, the Rural Commercial Bank successfully issued 5 million yuan to the company through the "Pig Live Mortgage+Agricultural Insurance Burette Pure" model to help the company solve the financing problem in a timely manner. It is reported that the bank is the first banking financial institution that issues "pig living bodies" loans within Chongzuo City.

"Nuts Loan", "Jian" Ding Guo Nong's confidence. In the past two years, with the active advocacy and strong support of the government, Australian nut planting has become one of the popular new agricultural planting industries. Tiantian Rural Commercial Bank follows the government's orientation in the face of credit investment, and timely launch special support agricultural credit products-"Nut Loan" to promote industrial development. Since the beginning of the year, the bank has organized financial commissioners to go to various villages, and jointly held a lending credit symposium with the local village committee, and propagated "nut loan" to farmers face to face to encourage farmers to use the industry to develop Dongfeng and make full use of the credit funds of Rural Commercial Bank to actively develop nuts. The planting industry can increase the income and become rich.

The government leads the support of the credit funding of Rural Commercial Bank, and the enthusiasm of farmers to participate in planting nuts has increased significantly. Longbu Village, Dukang Township, Tianfu County, has become a small and well -known "Nut Village" due to large -scale planting nuts. As of the end of June, the Bank of Rural Commercial Bank of China has received more than 200 credit for the growers in the village, with a credit amount of nearly 10 million yuan. The village has established Australian nut planting bases. Nearly 400 villagers participated in Australian nut planting. The planting area exceeded 1,000 acres. It was rated as the "Science and Technology Demonstration Village of the Fruit Industry Science and Technology Pioneer Team of the Guangxi Academy of Agricultural Sciences".

According to statistics, from January to June 2022, the bank issued a total of 2143 agricultural loans, with a amount of 427.348 million yuan, of which 2117 farmers loans, with an amount of 206.768 million yuan, a small amount of small credit for farmer, 72.5339 million yuan, and strongly. Promote the optimization and improvement of local characteristic agricultural industries and large -scale development. In May of this year, the bank was awarded the "Financial Supporting Rural Revitalization Work Award" by the people's government of Tian and other counties.

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