Constructing a new channel for financing of agriculture -related entities

Constructing a new channel for financing of agriculture -related entities

Hu Shuli

Entering the seedling base of Yang Wenbo, Erbin Village, Taihe Street, Dali City, the seedlings were green, and all kinds of flowers bloomed. Yang Wenbo, the person in charge of the base, said with emotion, "The" Agricultural Loan "of the Dali Rural Commercial Bank solved my big problem. With the injection of the credit funds, the company's operations in the second half of the year were guaranteed."

Yang Wenbo is the head of a landscape engineering Co., Ltd. in Yunnan. It is mainly engaged in garden greening, landscape engineering design, flower seedlings and sales. The company has 4 seedlings bases. Before the epidemic, the annual income was nearly 5 million yuan. The sudden epidemic has a great impact on the company's operation and operation. Especially since March this year, the epidemic has been distributed more. The price of raw materials has continued to rise, the accounts receivable have been slow, and the logistics costs are high. The pressure of agricultural small and micro enterprises has increased unprecedentedly.

In the face of nearly 7 million accounts receivables, the accounts are not allowed, and the newly undertaken projects cannot be started. Yang Wenbo is full of sorrow, and the "full garden spring color" of the base cannot be turned on. The sufficient value is effective, and the financing channels are limited.

In order to break the bottlenecks that have less pledged objects such as Yang Wenbo, such as Yang Wenbohu, such as Yang Wenbohu, and the bottleneck of less pledged goods, the Dali Municipal Rural Commercial Bank of Yunnan adheres to the concept of common prosperity with the real economy, and closely focuses on the main line of the "financial service real economy". , Coordinate the work tasks of financial support for financial support and the main body of the market, and make every effort to promote various decision -making deployments such as the "Stability of the Economic Package" and other decisions and deployment of the central government and Yunnan Province. product. This product focuses on new types of agricultural business entities such as professional cooperatives, family farms, agricultural enterprises, rural e -commerce, agricultural socialized service organizations, and new projects and new projects in the integration and development of the first, secondary and tertiary industries, and give play to the role of government financing guarantee institutions. "Silver Bare" jointly opens up the financing chain of "helping and breeding-product docking-risk compensation", actively "reduction of expenses and benefits", and realizing people's livelihood, stabilizing industry, ensuring employment, and benefiting real body.

At the end of May, Yang Wenbo received a loan of 1.6 million yuan in production and operation. This is the first rural revitalization "agricultural loan" issued by Dali Rural Commercial Bank.

Yang Wenbo Family is a microcosm of the financing needs of the Dali Rural Commercial Bank to accurately connect the financing of agricultural entities and tailor -made exclusive credit products. In order to comprehensively build financial products that match the characteristics of key areas, market entities, financial consumers, and needs in the region, the bank establishes the "Red vest" financial service team to preach with "banks" financial service teams, "banking enterprises" docking meetings, agricultural product promotion meetings, and financial knowledge. It will be a carrier to comprehensively excavate the financial needs of different customer groups and develop adaptable products. They have successively launched the rural revitalization series of products "Touyan Loan", "Huishang Loan" and "Hui Loan Loan". Revitalize strategic deployment, innovate the launch of "Cang'er Loan", "Cang'er Skills Loan" and "Migrant Easy Loan". A characteristic of agricultural inclusive loan products are like "fine streams" in finance, moisturizing the vast country. As of the end of May, the bank's agricultural loan balance was 11.207 billion yuan, accounting for 60.34%of the balance of various loans, an increase of 464 million yuan from the beginning of the year, and a growth rate of 4.32%. Essence

In the next step, the Dali Rural Commercial Bank will continue to focus on the work tasks of "six stability" and "six guarantees" to promote the "incremental expansion of incremental, quality reduction and cost reduction" of inclusive financial services, continuously innovate products and service models, and improve inclusive finance Service coverage helps more market players to be active and growing, and help the economy and society run smoothly.

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