Innovate financial services to solve the difficulty of financing of farmers and herdsmen

Innovate financial services to solve the difficulty of financing of farmers and herdsmen

Pu Duoming

Recently, the first living bells mortgage loan in Hulunbuir Rural Commercial Bank, Inner Mongolia, marked a new step in the Rural Commercial Bank's strategy of serving Sannong and Sanmi and serving the rural revitalization strategy to expand financing channels for farmers and herdsmen, solve the local traditional breeding industry The difficulty of loan provides new solutions and experience.

"In the past, there must be a house to loan. Now the cattle that are raised can also be mortgaged. Thanks to this 'Xingxu Loan' to reduce the pressure of funds, not only has the number of cows that have been doubled, but also bought grass. The output value in the coming year does not need to be worried. "Bu Tao, a loan of 800,000 Heads, could not hide the joy of his heart. For a long time, the development of animal husbandry in the Hulunbuir region is superior, and the demand for farmers and herdsmen has a large demand, but the limited financing has made it difficult for farmers and herdsmen to make a large scale and modernization. On the basis of fully investigating and visiting farm and animal husbandry households, Hulunbuir Rural Commercial Bank learned the experience of living livestock and poultry mortgage loan in the same industry institutions. The pledge management method, etc., buy electronic earmarks and collar, install electronic equipment supervision system, check the location and action trajectory of mortgage live animals in real time, effectively control the risks, and conduct the characteristics of the cross -regional flow of mortgagers in winter and summer. And work with electronic monitoring equipment.

The "Restrictions Loan" service target, low loan interest rate, and high amount of quota can effectively solve problems such as difficulties, financing difficulties, and expensive financing of traditional home breeding. The service purpose.

As of now, the "Xingxu Loan" business, which is in the stage of docking the loan procedures of 2.8 million yuan. In the next step, the bank will actively promote the promotion of "Xingxu Loan" from the pilot branch to the entire jurisdiction, and summarize experience in exploring practice, improve the living beast mortgage business, and further reduce the threshold of credit services, expand the guarantee scope of guarantee, and innovate credit products. Continuously enhance the accessibility of financial services, increase the driving force for the majority of farmers and herdsmen and small and micro enterprises, and add vitality to the county animal husbandry breeding industry.

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