Just after the Spring Festival, in the No. 1 breeding farm of Qihe village, Xinxi street, Longhu District, Shantou City, Guangdong Province, a group of charming lion headed geese are fluttering their wings waiting to be fed, of which the largest one weighs more than 20 kilograms. By the pond, Xiao Xie, a farmer who has just obtained the first online credit user loan from Postal Savings Bank Of China Co.Ltd(601658) Shantou branch, is ready to start breeding goose seedlings in the new year.
“In recent years, the lion headed goose has been popular all over the country and has become a ‘net red’ on the table. The operating efficiency is better. With the financial support of the bank, our confidence and determination in breeding are even more sufficient!” Xiao Xie said confidently, with a smile on his face.
The story of Xiao Xie’s relationship with Postal Savings Bank Of China Co.Ltd(601658) Shantou branch has to start four years ago. In November 2018, Shantou Longhu District Poverty Alleviation Office jointly Postal Savings Bank Of China Co.Ltd(601658) went to Xinxi street to publicize the poverty alleviation microfinance policy. “Other villagers didn’t believe that the bank would lend to us without mortgage. I submitted an application for poverty alleviation loan with a try mentality.” At that time, Xiao Xie, as a poverty-stricken household in targeted poverty alleviation, is still very excited. “I didn’t promise, Postal Savings Bank Of China Co.Ltd(601658) visited the household with the Poverty Alleviation Office and Street staff, and soon issued me a 50000 yuan poverty alleviation micro loan, which is not only free of mortgage, but also guaranteed by the government and full interest discount.”
thanks to the loan support, Xiao Xie’s goose raising plan was implemented quickly. In 2020, he renewed the loan of 50000 yuan, and the scale of raising geese is expanding day by day. This year, Xiao Xie, who has successfully lifted himself out of poverty, has experienced the convenience of online credit user loans, through mobile banking, the loan of 53000 yuan arrived in only four minutes, greatly saving the time for preparing materials and offline approval. Today, his goose breeding scale has gradually increased from 600 to more than 1800, with an annual net income of more than 200000 yuan.
It is reported that online credit user loan refers to the small online loan provided by China postal savings bank to farmers with good credit status to support their development of production and operation, with a maximum amount of 200000 yuan. The scope of farmers includes households who have long lived in towns and administrative villages under the jurisdiction of Chengguan Town, employees of state-owned farms and rural individual industrial and commercial households.
In Chaoshan area, the breeding history of lion headed geese has exceeded 300 years. Nowadays, with the continuous consolidation and expansion of the achievements in poverty alleviation, the economic vitality and development potential of poverty alleviation areas are gradually enhanced. Characteristic rural industries such as lion headed goose not only help farmers and increase income across the country, but also inject vitality into rural revitalization.
In recent years, Postal Savings Bank Of China Co.Ltd(601658) Shantou branch has supported the development and growth of rural characteristic industries in poverty-stricken areas based on local conditions in order to promote the revitalization of rural areas in poverty-stricken areas, focused on ordinary farmers and new agricultural business entities, carried out the construction of rural credit system, and comprehensively carried out online credit users and credit village information collection and system automatic rating credit through the promotion of the whole village, Build an active credit system with small amount and wide coverage. on this basis, credit services such as “online credit user loan” and “e-agile loan” are provided to credit users, so as to realize “one-time verification, loan with use, balance control, recycling and dynamic adjustment”, and effectively alleviate the problems of “loan difficulty” of farmers and “loan difficulty” of banks. By the end of January 2022, the bank had assessed 323 credit villages and 7641 credit households.
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