Small banks, do a big cause -Xingfu Village Bank increases credit to fully help rural revitalization

Xingfu Village Bank is an important platform and important brand of Changshu Rural Commercial Bank to practice inclusive finance and help rural revitalization. 31 village and township banks are distributed in five provinces in Hubei, Yunnan, Henan, Jiangsu, and Hainan. It has been more than fifteen years so far, and always adheres to the positioning of "supporting agricultural support". Adhering to the concept of "prospering hundreds of industries and Furun Wanjia", agricultural loans, real economic loans and operating loans account for more than 80%. The results of the tackling are helping rural revitalization.

Tang Yin "Xian Ai" walked out of the way to get rich

The world is not a doctor, and the merits of the flatness;

Tangyin County, Henan Province is located in the Northern Henan Plain. The unique natural environment is very suitable for the growth of wormwood. "Tang Yin Ai", known as "Xian Ai", is a well -known local Chinese medicinal material. As a poverty alleviation enterprise for employment in the industrial employment of Tangyin County, Anyang Jiudouxian Ai Industry Company absorbed most of the local villagers to realize the employment of the house, driving more than 200 poor households to successfully get rid of poverty.

"In July last year, Henan suffered heavy rainstorms in many places. The Tangyin area was severely affected. Tangyin Xingfu Village Bank actively reconstructed the reconstruction of the disaster and was very responsible!" Said the relevant person in charge of Jiutou Xian Ai Industry Company. After the flood, the company's more than 5,000 acres of wormwood was seriously lost, and most of the inventory was also moisture. The bank immediately launched the emergency financing response mechanism of flood prevention and disaster resistance, quickly collected credit materials, opened up a green channel for review and approval, and issued 4.5 million yuan in disaster relief loans in only 3 days. With the guarantee of financial services, the company's production and operation is rapidly restored. Now the sales scope of sales has expanded from offline to online, with annual sales of 100 million yuan.

Fasting speed, financial temperature. The bank of Tangyin Xingfu Village Town is "three -three systems" (new loan customers will loan within 3 days, and old loan customers will be loaded within 3 hours). They have harvested a group of loyal customers. At present, the bank has supported more than 10,000 local farmers, with a cumulative amount of 2.4 billion yuan.

Yiyang "Gold and Silver Flower" Xiangpiao Happiness Road

The southwest mountains of the north and north, and the first line of Luoshui was worn, and San Mountain and Liuqiu were one -point.

Dongwangzhuang Township, Yiyang County, Henan Province is located in the hilly mountain area. The soil is relatively barren and the traditional planting industry is developing slowly. In recent years, the development of honeysuckle planting has been vigorously developed, which has made the ravine a wealthy land.

Entering the honeysuckle base of Yaocun Village, Dongwangzhuang Township, a cluster of buds stood up. Dozens of "flowers" can be worn in the field. After a while, the bamboo basket is full of flowers. "When I was leisurely, I came to pick up some honeysuckle. When I was a day, I earned seventy -eighty dollars and more than a hundred dollars." Villagers in Yaocun Village introduced.

In 2017, Qiao Ting responded to Dongwangzhuang Township Party Committee and Government called to return to his hometown to start a business. After field inspection and investigation, he prepared to transfer more than 700 acres of collective land in the village to grow all the gold and silver flowers, but it was difficult to start the funds. "At that time, I asked a few banks and said that the loan needs to be mortgaged or the public official guarantee. My small property house cannot be mortgaged, and there are no people around me. A friend recommended him to Yiyang Xingfu Village Bank. By inheriting the micro -loan technology of Changshu Bank, the bank uses "real people and real transactions" as the underlying logic, and evaluates the customer's willingness and repayment capabilities based on business models and cash flow. source. After understanding the situation, the customer manager of the bank of Yiyang Xingfu Village Town immediately came to serve and found that Qiao Ting has the experience of honeysuckle planting technology, the experience of the Chinese herbal medicine industry, and the sales channels are stable. In just one day, I sent a loan of 500,000 yuan to Qiao Ting's hands.

With this fund, Qiao Ting established Luoyang Huimin Pharmaceutical Co., Ltd., adopting the "branch+cooperative+company+farmers" model to open up the industrial chain that integrates gold and silver planting, processing, and sales. "Our base honeysuckle can be collected from May to August from May. It is expected that about 140 catties of honeysuckle per mu can be picked, and the output will reach about 98,000 catties, and the income is quite considerable." Qiao Ting said that while the company developed the industry, it also led to nearby nearby. More than 200 villagers worked in the base.

Song County "Chrysanthemum Sheep" shop is developing

Lu Hunchun welcomed the spring, and Jiuli loved to hear the crane boat.

Song County, Luoyang City, Henan Province, is located in the Western Western Yumi Mountain District of Yuyang City. The landform is full of landforms. The historical allusions such as Dayu and the water are not entered, and Chengmen Lixue and other historical allusions have occurred here. In the hinterland of Funiu Mountain, in the autumn, the mountains are full of wild chrysanthemums. "To keep the land in the countryside, we have to make full use of local resources to develop according to local conditions. Wild chrysanthemums are good resources." Chen Jingxiao said. In 2013, she rented a farm for 20 acres in her hometown, registered Songxian Zhaoxin breeding professional cooperatives, and made wild chrysanthemums into sheep feed. "".

Song County Xingfu Village Bank is a good "sheep -raising consultant" for Chen Jingxiao. Combined with the operating status and capital needs of the farm, special loan support is provided to help organic fertilizer plants put into operation. "Bull and sheep dung is right, and it is pollution when the wrong place is put!" Chen Jingxiao prepared to "enter" the field of organic fertilizer, but when he encountered difficulties, professional equipment was very expensive, and there was no enough money to realize this idea. When the client manager of the bank returned to the village next door, he learned about her situation and took the initiative to go to Chen Jingxiao's farm for a visit to investigate.

The farm is located in a deep ditch in Liziping, Hecun Township. There are no bank outlets nearby. The narrow mountain roads can only walk. It is inconvenient to handle business in residents. "Seeing that the time for the delivery with the equipment supplier is left for three days, and the funds have not yet been in place. I was very anxious." Chen Jingxiao frowned. "Don't worry, we have a 'mobile workstation'!" It turned out that the bank used the "MCP" mobile credit platform to implement the functions of micro -loans through the functions of map positioning, voice recording, real -time upload, credit query, etc. The client manager took the mobile PAD to collect information. Within two hours, Chen Jingxiao received a text message reminder that the loan funds have arrived. Organic fertilizer factory helps 1,000 people develop green circulating agriculture, such as the local "mushroom spokesperson" Shi Lingshui. He planted 30 acres of sheep, and used Chen Jingxiao's organic fertilizer. "I have planted edible fungi for more than ten years. From the small -scale planting at the beginning, to the current cultivation of bacteria and helping the people to sell, Song County Xingfu Village Town Bank provided me with a lot of support." Shi Lingshui said. He often organizes experts to convene the planting and management technical training of edible fungi, and invites the bank of Xingfu Village and Town of Songxian County to explain financial service policies at the meeting to jointly drive more than 100 surrounding towns and towns to get rich.

(Zhang Lin)

Editor: Pan Ruikai

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