CCTV special report Gaozhou: county digital inclusive financial trading lychee industry

On June 20, according to CCTV special reports, in recent years, Gaozhou, Guangdong, has cooperated with Internet banking to establish a digital credit risk control model to further enhance the credit rate of small and micro groups such as e -commerce and fruit farmers in the lychee industry. Digital finance has opened up the flow of funds for Gaozhou fruit farmers, and the lychee industry is rejuvenating.

In the report, CCTV proposed that innovative political and silver cooperative digital inclusive financial models have become a useful supplement to finance in counties and rural areas. In the context of comprehensively promoting the strategic strategy of rural revitalization, more than 1,000 nationwide -related counties in the country have developed digital credit in depth. , To reach the end of the county economy, opened up the last mile of rural finance.

It is worth noting that Gaozhou guy Chen Xiaomin became the focus of CCTV report. Because he wanted to sell litchi in the home and returned to his hometown to start a business, he did not expect that Chen Xiaomin led the whole village to sell all lychee and became the local "lychee king".

Over the past few years, Chen Xiaomin has continuously expanded the scale of planting. Since 17 years, it has contracted more than 1,000 acres of land and 5 mountain heads to plant lychee, which has become a veritable lychee industry leader in the local name. Every year in the litchi season in May and June, Chen Xiaomin's warehouse will send thousands of single courier to all parts of the country every day. The huge sales make Chen Xiaomin happy and also worry about him.

Litchi is a strong seasonal fruit. It has always been saying that "one -day color changes, two -day flavor changes, and three -day taste changes." Gaozhou lychee produces 230,000 tons a year, and it must be sold within 40 days, otherwise the shelf life will be missed.

For the brief litchi season, for litchi farmers, whether it can solve the problem of capital turnover smoothly has become the key to ensuring the smooth sales of litchi to the country.

Since 2021, the online commercial bank initiated by the Gaozhou Municipal Government and Ant Group has begun cooperation. By establishing a digital credit risk control model, it further enhances the credit gains of small and micro groups such as e -commerce and fruit farmers in the lychee industry.

As of the end of May, Gaozhou had more than 70,000 small micro and farmers to obtain digital loans through mobile phones, and the funds were "fast" in place, which made accurate financial "drip irrigation" for the industrial chain last week and next week.

"We cooperate with the online merchant bank. The digital credit of the Internet Merchants Bank for 3 minutes apply for a loan and arrived in 1 second. The whole process is 0 manual intervention. Xie said in the interview.

This year, the e -commerce merchants, breeding farmers, and other small groups in six agricultural products in Guangdong Province have obtained a 30 -day interest -free loan provided by the online merchant bank. Chen Xiaomin also became one of the farmers supported by interest -free loans.

It is reported that a few days ago, the National Federation of Industry and Commerce and the Internet Commercial Bank signed a comprehensive strategic cooperation agreement to help small and micro enterprises and help rural revitalization. In order to implement the agreement, the online merchant bank will increase financial coverage and provide interest -free loans in the corresponding periods to the 100 -year -old county of agricultural product industry in the country, combining agricultural solar terms and production and sales cycles throughout the year to support rural industry revitalization.

The interest -free support in Guangdong Agricultural Products is the new progress of the National Federation of Industry and Commerce and the Internet Commercial Bank of China.

Thanks to the support of the online merchant bank, Chen Xiaomin, who was originally distressed by the issue of funds, can continue to develop his own lychee business. Online Commercial Bank serves a group with insufficient financial services in counties and rural areas, which is the most "small and micro" nerve ending in the upper and lower reaches of the industrial chain.

The "fast" of digital finance fits the "fast" needs of the development of the litchi industry in Gaizhou, and it is also applicable to the development of many industries related to agricultural counties across the country.

Gaozhou City and the Internet Commercial Bank's cooperative digital inclusive finance have become a model for the development of agricultural products, and provide valuable reference experience for the development of digital inclusive finance in other counties.

It is understood that not only Gaozhou, one -third of Guangdong Province, in Guangdong Province, has signed a contract with the Internet Commercial Bank. In the country, more than 1,000 county -related counties have cooperated with the online commercial bank on county digital inclusive finance, accounting for nearly half of the total number of counties in the country. Data show that the growth rate of digital loans in cooperation with the online merchant banks should be higher than the average of the county, which has accelerated the in -depth coverage of digital credit in the county and rural areas.

As Chen Xiaomin said, he hopes that through his own efforts, it will affect more excellent young people and return to our hometown to develop the litchi industry. We also hope that we can do this lychee industry well. Essence

In recent years, more and more young people have returned to their hometown to support the industrial development of their hometown. The booming development of digital finance in the county and rural areas will also inject new vitality into the development of the county economy.

【Source】 Yangguang.com

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