Shanghai: Add "Gold" to the "Living Water" to the "Living Water" to the new path of rural rejuvenation

Shanghai: Add "Gold" to the "Living Water" to the "Living Water" to the new path of rural rejuvenation

"The nation must revive, the countryside must be revitalized." Agriculture is strong, the rural areas are beautiful, and the peasants are rich and wealthy. In 2022, the Central Document No. 1 focused on the "agriculture, rural areas" for the first time, and first listed "strengthening rural revitalization financial services" for the first time as an important content.

"Golden Chain" string "Golden Wheat Gragon"

Luzhou City is located in Huanghuai Wheat District. It is a well -known wheat planting base in Anhui Province. Every June, 10,000 acres of Liangtian transferred from green to gold.

"Since using organic fertilizers, wheat can increase their income by nearly 15%. In the next season, I am going to double the planting area to 4,000 acres!" When talking about the wheat grown at home, Ge Liwei, a Luzhou wheat grower, couldn't hide his inner joy. But 5 years ago, he never thought he could have such a good harvest. In 2017, Ge Liwei, who had just switched to the journey of "planing gold", was "unfavorable" and encountered droughts and insect pests. It is losing money for years. "

Fortunately, a timely financial "blood transfusion" is changed to change such a "vicious circle".

Recalling the experience of getting in contact with Shanghai Rural Commercial Bank's agricultural industry chain financial services through the local county agricultural committee in 2021, Ge Liwei still remembers, "I really want to thank the new technology for agricultural production and the good products of Shanghai Rural Commercial Bank." He is happy According to the place, this application for the first time brought more than 800,000 yuan of special loans to the farmer's "gold chain", which not only helped him and the folks to resolve the dilemma of insufficient funds, so that everyone used scientific organic fertilizers, and even for it even for it. They "stringed" the sales of wheat harvest.

"When wheat growers place an order to buy organic fertilizer products, our bank will quickly receive credit and issue loans based on information such as order amount and the number of macarons. The cooperative acquisition party will give the loan priority to the sales repayment, and farmers can directly obtain the benefits after the balance. "Shanghai Rural Commercial Bank of the docker Cai Beibei introduced that this agricultural industry chain financial service innovation covers the use of farmers' loan funds, agricultural production and agricultural products In all aspects of sales, use upstream and downstream transactions to complete the complete "string" of growers, fertilizers, banks, and acquirers. Eligible growers can achieve online "second batch second loans" through mobile phones and ID cards. Essence

"Organic fertilizers can be paid by loans. Scientific fertilization can also improve the output and quality of wheat. After the be sickle is harvested, not only does it not need to worry about the road, but the acquisition price of the cooperative acquisition can also be 5 cents per catty. ! "Ge Liwei sighed that the" gold "of his own wheat contained a higher volume." I didn't understand agricultural technology before, and my hand was a bit tight. The more you are looking forward to. "

"Gold Chain" accurately empower, crops grow, and farmers' profit income increases. As of the end of May 2022, Shanghai Rural Commercial Bank has provided nearly 135 million special loans for more than 140 large farmers in the Bozhou area, benefiting nearly 180,000 acres of wheat planting area, and promoting the income of wheat growers by about 50 million yuan.

"Good Zhishou" ripen "sweet fruit"

Nanhui is located in the southeast of Shanghai. The four seasons are clear, the rainfall is abundant, the light is sufficient, and the local peach peach color is rosy, thin and thick, sweet and juicy.

In September 2021, "Nanhui Peach Peach" became the only geographical indicator of the first batch of national geographical indication product protection demonstration zones in Shanghai. The first time the Shanghai Rural Commercial Bank learned the news, considering the financing needs of relevant alliances and cooperatives, and actively broke through the tradition of the patent of technology -based enterprise patents in the previous intellectual property pledge financing, and took the lead in unlocking the "geographical indicator" in the financial field. "new function".

"Using cooperatives' own trademark pledge to increase credit, it has not increased our burden, but also solves the urgent need." Shen Yucheng, the person in charge of Shanghai Xinfeng Mi Lulu Vegetables and Fruit Professional Cooperatives (hereinafter referred to as "Xinfeng Mulu"), said that he was this Direct beneficiaries of "new features". It turned out that due to the increase in catastrophic weather in recent years, the shortage of mobile funds and operating pressure of cooperatives have increased, but they have suffered from the method of increasing credit, and the credit line has never increased. When Shen Yucheng was in trouble for capital issues, the newly opened geographical label pledge financing business of Shanghai Rural Commercial Bank gave him hope.

After confirming that Xinfeng Mi Lu is an authorized unit for the Geographic Symbol of the Peach Peach, Shanghai Rural Commercial Bank adopts the method of empowering the own trademark value of the "geographical indicator" to empower the cooperatives, and innovatively decomposes the brand value of "Nanhui Mountain Peach". The trademark registered by the Intellectual Property Bureau of the Pudong New District has the right to use the person to use the actual loan amount according to its actual capital needs and brand value. Feng Milu issued a loan.

During the prevention and control of the epidemic, in order to help Xinfeng Milu successfully complete the people's livelihood protection tasks, the bank's exclusive customer manager "code" was "code" to open the "Xinnongle Loan" anti -epidemic direct train for the cooperative, and "zero contact contact "Zero Guarantee" and "Zero Wait" provides Xinfeng Mi Lu with an online quota of 300,000 yuan to ensure the flexible turnover of corporate funds.

"With such credit support, we will operate their own trademarks more carefully and strive to open up a larger market." Shen Yucheng said gratefully that with the financial support of Shanghai Rural Commercial Bank for 15 years, Xinfeng Mi Lulu's peach peach peach peach The scale of planting has gradually expanded. The innovation of personalized anti -epidemic services and intellectual property mortgage models provided by Shanghai Rural Commercial Bank not only helped the enterprise "cooked" the sweet and juicy "rich fruit" again, but also further revitalized the "trademark" and " The "intangible value" of geographical indication "has injected new kinetic energy into the high -quality development of high -quality agricultural products and agriculture. "Integrity Village" entrusts "Well -off Dream"

"Frambulation and expensive financing" has always been a "blocking" on farmers. For financial institutions, the incomplete rural credit system is a "card neck" problem for rural financial services.

How to further open up the "blocking point" of financing on the road of revitalization and continuously improve the quality and efficiency of "agriculture, rural areas, and rural areas"? Shanghai Rural Commercial Bank focuses on focusing on the development of financing in characteristic industries, and actively explores the construction of the "Integrity Village" assessment management system and mechanism.

"Our trip adopts the strategy of" one village, one grade, one village, one strategy ', and strives to achieve rural prosperity and peasant wealth with a point with a point with a point and a comprehensive touches. "The relevant person in charge of Shanghai Rural Commercial Bank introduced it to provide the village through the innovation of the villagers to provide the village. Pre -tech letter of green channels, cash installment equity plans, agricultural products upward aid, and silver administration platform diversion and other special services. Essence

With the help of this characteristic of village -assistance strategy, the brave village of Jinshan District, Shanghai has stepped out of a "well -off" road that integrates agricultural planting, scientific research and production, and rural tourism. The town "carries the land and the national rural characteristic industry" 100 million yuan villages ".

Data show that as of now, the first batch of "Integrity Village" launched by Shanghai Rural Commercial Bank of China has taken the initiative to receive more than 18,000 villagers, and the villagers have taken the initiative to receive 649 people with a amount of more than 100 million yuan. The "loan" of inclusive finance has come to real gold and silver, and also promotes the beautiful villages to the "fast track" of common prosperity.

Responsible editor: Zhang Wei Guo Jinhui

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