Play the "three cards" to help the development of astragalus industry

Play the "three cards" to help the development of astragalus industry

Hu Wenjie

"Eternal Hengyue Lingxiu, China Treasure Astragalus Township." As the main force that supports the local real economy, Shanxi Hunyuan Rural Commercial Bank, focusing on the general goal of "reform insurance, improving quality and efficiency", takes the development of astragalus planting, astragalus processing, and the development of astragalus medicine tea. Yuanzhuang Industry is bigger and stronger, and contributes greater financial forces to the development of the county's economic transformation. As of June 28, the bank has supported 165 million yuan in astragalus industry loans.

Play the "service card" and warm up the heart. Hunyuan Rural Commercial Bank relies on astragalus resources, takes astragalus planting and astragalus processing as the starting point, helps the masses to expand the area of ​​astragalus planting, carry out astragalus sheep farming, and continuously increase the development of the astragalus industry. "One -to -one" assistance to provide convenient financial services such as online sales such as astragalus products in a timely manner. At the same time, various forms are adopted to vigorously carry out financial knowledge promotional activities, so that "Astragalus Financial" related policies have entered millions of households.

Play the "capital card", and the problem of efficient loan solutions. In response to the characteristics of Astragalus growth cycle and slow capital repayment, Hunyuan Rural Commercial Bank has launched a credit strategy of different periods and interest rate structures of "Qi Nong Loan" and enriched astragalus industrialized credit products. Astragalus processing enterprises and dealers are "difficult to finance and expensive financing". At the same time, in order to extend the astragalus industrial chain, Hunyuan Rural Commercial Bank also launched the "Astragalus Sheep" breeding loan, actively supporting the local people to rely on astragalus resources to carry out astragalus sheep breeding projects. Up to now, 406 credit and 92.42 million yuan of credit for "Qi Nong" have effectively ensured the steady expansion of the "astragalus" planting scale.

A Shanxi Biotechnology Co., Ltd. is a private enterprise that integrates planting, processing and sales in Hunyuan County. In the early days of the company's establishment, it was restricted by the shortage of funds and could not carry out deep processing research and development. Based on the actual situation of the enterprise, Hunyuan Rural Commercial Bank established a credit relationship with the company in 2019 to award 10 million yuan in credit. According to the actual situation of the company's investment in product research and development in recent years For support, the current credit line has reached 29.4 million yuan, which has become a "leading enterprise" that has become rich. At present, the scale of astragalus planting and processing of astragalus has continued to expand, and its products have been exported to more than 80 countries and regions such as Southeast Asia, Japan, South Korea, Canada, Britain, and the United States, effectively driving farmers in Hunyuan County to become rich and income.

Play the "Popularity" and Rongwang Zhilian Hui people's livelihood. The bank gives full play to the "one -stop" service advantage of the process of applying for loans, credit, approval, and credit in the online channels of "Xingnong Fast Loan", simplify the approval procedures, optimize the service process, and ensure that the loan's fast review and fast approval are approved. Quickly release, use WeChat, mobile banking, Jinxiang life and other channels, break the restrictions of time and space for financial services, provide customers with online services such as service appointments and business processing all over the weather, and strengthen the application of financial scenarios.

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