“Xiao Liu, there are so many preserved fish, bacon and sausage in your family that haven’t been eaten yet!”
“Buy more for the Chinese new year this year, and you can eat for some time.”
“It seems that I made money raising lobsters last year. Congratulations on your family’s busy year.”
“Thank you, manager Lu, as well as CCB for its loan support. It’s really good to take out loans at will! It’s easy to operate without mortgage. It’s really a blessing for our fishermen on shore!”
This is a dialogue between Liu Fei, a crayfish farmer in Huayuan village, Luoshan Town, Honghu City, Jingzhou City, Hubei Province, and the person in charge of the three rural business department of China Construction Bank Corporation(601939) Jingzhou branch Honghu sub branch.
In 1998, Liu Fei carried out purse seine farming on more than 200 mu of water surface in Honghu district. His family lived as fishermen hit by wind and waves. With the implementation of the Yangtze River Protection Strategy of “joint protection and no large-scale development”, about 187000 mu of seine nets in Honghu City have been demolished, and fishermen have returned to the lake and made a living on the shore.
“I’ve been a fisherman for decades and only have a special liking for aquaculture. People are idle and idle, so I’d better do the old business of aquaculture.” After discussion, Liu Fei and his family decided to breed crayfish, but the breeding site was transferred from the lake to the shore. The mode of production has changed. The capital investment of contracting ponds and purchasing shrimp seedlings and shrimp feed has become a big stone in Liu Fei’s heart.
In 2021, Liu Fei attended the “Xinxin loan” product publicity meeting of China Construction Bank Corporation(601939) Jingzhou branch Honghu sub branch at his home. At the meeting, Liu Fei asked suspiciously, “I heard that bank loans are difficult. Either assets are used as collateral, or civil servants are used as guarantee, and then several households are jointly guaranteed with loans. The threshold is high and troublesome. Is this new thing really as good as you say?”
“If you don’t believe it, you can have a try. I won’t listen to the advertisement to see the curative effect.” With the affirmative answer from the staff, Liu Feicai was willing to try the “new thing” of “lobster loan”. Starting from the pre loan survey and data collection, less than a week later, Liu Fei applied for the 500 thousand yuan loan to the Construction Bank, which solved as pressing danger as possible. The precise financial running water revitalized Liu Fei’s pond. The gross income of Liu Fei’s pond last year was nearly 1 million yuan.
Liu Fei’s fish pond is only an epitome of China Construction Bank Corporation(601939) Jingzhou branch serving “agriculture, rural areas and farmers” and supporting rural revitalization. In 2021, more than 400 fishermen such as Liu Fei, who were supported by China Construction Bank Corporation(601939) Jingzhou branch, got more than 30 million loans in total. In the first two months of 2022, China Construction Bank Corporation(601939) Jingzhou branch added more than 90 million yuan of loans to the crayfish breeding industry, helping farmers actively prepare seedlings and materials, raise water in the whole pond and “prepare for the crayfish peak season of the new year”. (Wang Yaobing, Xu Wenying)
