Wang Xiaofan is a villager in yitun, Boshan village, Shuangliao City, Jilin Province. Just after the beginning of spring, he calculated around his own corn field.
“I have to prepare seeds and chemical fertilizer for 550 mu of land.” He took out his mobile phone while introducing, “here is a ‘grain +’ on the ‘grain circle’ app. You can apply for Postal Savings Bank Of China Co.Ltd(601658) ‘s loan with a few prompts.” Wang Xiaofan has lived in yitun, Boshan village for nearly 20 years. He looks forward to this year’s harvest and strives to generate an annual income of 2 million yuan.
It turned out that the app that Wang Xiaofan talked about was the specific implementation of Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch (hereinafter referred to as “postal savings North Branch”) and agricultural leading enterprises to implement the “grain bank +” model, and it was the industrial chain loan product launched by postal savings north branch that helped him alleviate the capital pressure in the early stage of farming.
In fact, just after the Spring Festival this year, in order to promote financial institutions to better serve agriculture, rural areas and farmers and help spring farming, the CPC Central Committee and the China Banking and Insurance Regulatory Commission made new work arrangements.
On February 22, the central “No. 1 document” was officially announced, and the state proposed to comprehensively promote the key work of Rural Revitalization. Support various financial institutions to explore medium and long-term credit models for agricultural and rural infrastructure. Five days ago, on February 17, at the regular press conference of the CBRC, the spokesman introduced that the CBRC would guide the banking and insurance industry to continuously deepen the reform and innovation of rural financing, actively respond to the needs of comprehensively promoting rural revitalization, and make every effort to serve agricultural and rural production and prepare for spring farming. As a large state-owned bank with the widest coverage in the capital region and closest to rural areas and farmers, the postal savings North Branch has always taken supporting spring farming and preparing for farming as an important content of serving “agriculture, rural areas and farmers”.
small mobile phone problem solving , “grain bank” helps spring ploughing
The “grain bank +” product promoted by postal savings North Branch can directly provide small loans to farmers downstream of the supply chain of agricultural leading enterprises such as Wang Xiaofan, which can be used to purchase various agricultural materials products and services, break the traditional offline investigation and contract signing mode of loans, and provide digital loan products and services, with convenient operation, rapid approval and fast expenditure, We will effectively provide financing support for farmers in the spring farming season.
\u3000\u3000 “Relying on the general docking platform, the industrial chain credit products launched in cooperation with COFCO subsidiaries are a beneficial attempt to extend the tentacles of financial services for Rural Revitalization. We will also continue to strengthen cooperation with agricultural supply enterprises, leading enterprises of agricultural industrialization, farmers’ cooperatives and other agricultural business entities, and vigorously promote the digital small industrial chain loan service model to provide a spring for the industrial chain Provide financial support to agricultural production entities. ” The relevant person in charge of postal savings North Branch said.
Focusing on agricultural production and financial services, we will focus on the early allocation of agricultural production and financial resources one by one. On the other hand, establish a green channel for credit business, provide door-to-door services in conditional areas through three rural financial service stations, further accelerate the handling speed of agricultural related business, comprehensively improve the efficiency of spring ploughing and preparation, and ensure that “agricultural time will not be missed”.
bank government cooperation, financial “spring rain” moistening agriculture, rural areas and farmers
At the first regular press conference after the Spring Festival, the cbcirc made it clear that it would increase financial support for rural industries and new business entities, take the construction of a modern rural industrial system as the core, give full play to the advantages of financial capital and technology, unite the joint efforts of the government, finance, market and science and technology, and establish and improve the government bank information sharing and work linkage mechanism of key industries.
In this regard, the postal savings North Branch has taken action. The “small and micro Fast Loan Center three rural financial service station” jointly established by Beijing local financial supervision and Administration Bureau and postal savings North Branch in 2021 is a new achievement in banking and government cooperation. Hao Guocheng, general manager of Beijing miyangyuan agricultural and sideline products Co., Ltd., felt this deeply.
Beijing miyangyuan agricultural and sideline products Co., Ltd. is the largest agricultural and sideline products wholesale merchant in Huayuan agricultural and sideline products wholesale market in Miyun District. It mainly sells honey, a local specialty in Miyun District. 2072 bee farmers in the region are Hao Guocheng’s main customer group. Over the past two years, sales have declined due to the impact of the epidemic. On the eve of the Spring Festival in 2022, Hao Guocheng company had a shortage of capital flow and was unable to prepare goods for 2022, which made him anxious. The customer manager of the “three rural financial service station of small and micro fast loan center” took the initiative to send the loan to the door and helped him apply for the “bee loan” at the first time, which solved Hao Guocheng’s urgent need. Since its establishment, with the support of the Beijing Municipal Bureau of local financial supervision and administration, the postal savings North Branch “small and micro Fast Loan Center for agriculture, rural areas and farmers financial service station” has actively connected with farmers, cooperatives and other new agricultural business entities and agricultural related enterprises that need useful funds, and increased financial support for Shenzhen Agricultural Products Group Co.Ltd(000061) producers with Beijing characteristics, Guide some farmers to apply for loan discount at the local financial office, help farmers enjoy the good policies of the government to benefit farmers, and gradually improve the “last mile” of financial services for Rural Revitalization with the speed and temperature of Postal Savings Bank Of China Co.Ltd(601658) .
In fact, in order to accurately invest more credit funds in the fields of agriculture, rural areas and farmers, postal savings North Branch and Beijing agricultural security company launched the “guarantee upon loan” model to further simplify the business process. The business has just been launched. The grass-roots staff of postal savings North Branch will go deep into the field for the first time to carry out propaganda and support the Shenzhen Agricultural Products Group Co.Ltd(000061) development with local characteristics. There is no need for collateral. The loan amount can be recycled. It can be borrowed and repaid at one time, with high efficiency, fast approval and wide coverage. “Bee loan” is one of the typical representative products. With the support of 1 million yuan “bee loan”, Hao Guocheng plans to expand the sales scale and help expand and strengthen Miyun bee brand.
For this reason, since the establishment of the “three rural financial service station of small and micro fast loan center”, it has given full play to the advantages of the government platform, focused on finance to support the construction of Rural Revitalization team, and selected elite customer managers with skilled business, rich experience and good service attitude in each sub branch under its jurisdiction. Among them, 18 have been appointed as financial advisers by Beijing local financial supervision and administration, We will continue to strengthen the strength of supporting and benefiting agriculture. Through the service station, the postal savings North Branch also carried out activities such as “I do practical things for the masses”, entered enterprises, communities and rural areas, listened to the needs of all parties, and launched loan products to support characteristic industries such as bees, big peaches and chestnuts, so as to provide financial services with temperature, strength, accuracy, breadth and depth.
comprehensive service, good “golden housekeeper” of benefiting farmers
To do a good job in the financial services for agriculture, rural areas and farmers, we must establish a comprehensive service system. In addition to bank government cooperation, postal savings North Branch has also developed an agricultural industrial chain loan product with Beijing Dabeinong Technology Group Co.Ltd(002385) its Beijing Rural Credit Internet Technology Group Co., Ltd. On this platform, breeding farmers can complete the purchase of operation and production online according to their needs, including farmers’ planting production and breeding means of production. For farmers with good credit, each order fund can be paid through the micro loan “postal credit” of postal savings North Branch.
Yu Zhihong, a farmer who lives in Sichuan Province, once encountered such a problem, “in 2020, we encountered African swine fever here. In order to prevent the further expansion of swine fever, we disposed of all pigs.” Recalling the scene at that time, Yu Zhihong said that because there were no pigs in the pig farm, they were facing the dilemma of business stagnation.
To help Yu Zhihong tide over the difficulties is “postal credit”. Through the “mail credit”, Yu Zhihong guaranteed the funds for purchasing agricultural materials such as breeding products and pig feed, rallied and started a year’s work. With the support of “postal credit” of postal savings North Branch, Yu Zhihong’s enterprise slowly got out of trouble. In 2021, Yu Zhihong’s pig farm also successfully caught the free ride of Chongzhou’s vigorous development of pig breeding. Now Yu Zhihong’s pig farm has become a fattening farm with a scale of 5000 pigs.
Up to now, the postal savings North Branch has issued “postal credit” of more than 6.8 billion yuan, covering 25 provinces and cities across the country, benefiting more than 6500 farmers and supporting the breeding of nearly 6 million pigs, effectively alleviating the financing difficulties of farmers downstream of agricultural leading enterprises and enabling the revitalization of rural industries.
