It is located in the hinterland of Guangdong, Hong Kong and Macao Dawan District, accounting for 1 / 5 of the Pearl River Delta. It has a beautiful ecological environment and a relatively broad rural area. Such advantages provide unique conditions for Huizhou to develop rural tourism industry. In recent years, relying on these favorable conditions, Huizhou has created a variety of new tourism modes, such as exquisite Park ecological tourism, Tangquan health sightseeing tourism, farming leisure picking tourism and so on, which has won the favor of more and more tourists.
In this context, Huizhou Branch of Agricultural Bank of China (hereinafter referred to as “Huizhou Agricultural Bank“) takes root in the fertile soil of “agriculture, rural areas and farmers”, gives full play to its own advantages, combines the development characteristics and needs of various townships, constantly innovates financial products, increases credit supply, injects financial kinetic energy into the development of rural tourism industry, and explores a new way for the revitalization of rural areas in Huizhou.
Huinong e loan solves the difficulty of home stay loan
At the end of December, cold air hit and many places entered the “cooling mode”. The weather is cold and hot spring tourism is hot. The hot spring home stay in Retang village, Andun Town, Huidong County is no exception. In fact, since October this year, there has been an endless stream of tourists here. Retang village is named after the hot spring. Looking at the main road, there are a wide range of signs of hot spring hotels and B & B. A hot soup River supports the local hot spring tourism industry and makes the whole village rich.
Over the weekend, the Jinhui hot spring in Retang village welcomed batch after batch of tourists. Wu Jinghui, the person in charge, kept ringing his mobile phone, and customers kept asking him about the guest rooms. “Recently, there are many guests, and the weekend home stay rooms are almost full.” Jinhui hot spring opened in 2014, covering an area of about 3000 square meters. It is one of the first Home Inns in Retang village to take hot spring as the selling point.
However, since the outbreak of covid-19 pneumonia, the home stay industry has suffered a great impact. Take hot soup village as an example. In the first half of this year, it was closed for several months. In addition, some home stay facilities were old, which was difficult to attract tourists, and the development of the industry was difficult.
Wu Jinghui introduced that although the market is not very good, in order to attract tourists, he still plans to do some upgrading, create high-quality B & B and improve the service quality. After careful calculation, it was found that 500000 yuan was needed. Due to the lack of funds, the transformation plan was not put into action. Until September this year, Huidong Agricultural Bank learned about his needs during the visit, recommended him to apply for a credit loan “Huinong e loan” without collateral, and soon issued a loan of 300000 yuan. After getting the money, he said happily, “I didn’t expect that the bank loan can be so simple and the interest rate is so low. Finally, it can be transformed well.”
Now, with the increase of tourists, Wu Jinghui’s home stay business is booming day by day. In the nearby Panshan hot spring, the staff were busy receiving tourists and following up the decoration and transformation of home stay. They were very busy.
Loan of 1.8 billion yuan to help build rural tourism projects
In hot soup village, like Wu Jinghui, there are many operators who get loans from ABC.
It is understood that in order to better meet the operating capital needs of home stay and other industries, combined with the local actual situation, Huizhou Agricultural Bank has successively launched the construction of “party construction + credit village”, and launched Huinong e-Loan (home stay industry) loan and mortgage e-Loan to serve the business groups engaged in rural tourism, such as farmhouse, home stay, leisure farm and so on. Among them, the maximum credit amount of Huinong e-Loan can reach 300000 yuan, the line can be recycled, and the loan term is up to 8 years. It can use credit, and the repayment method is flexible. The loan can be used through mobile banking, and the account can be received in 5-10 minutes. It can be borrowed and returned at home. After its launch, it is favored by local home stay operators. Up to now, Agricultural Bank of Huizhou has issued a total of 1.8 billion yuan of hotel accommodation and home stay loans. Driven by this, many rural tourism projects have been created locally.
In Retang village, many villagers have built a “characteristic hot spring + rural home stay” industry based on the advantages of local hot spring resources, transforming the resource advantages into industrial advantages. Wu Weidong, Secretary of the general Party branch and director of the village committee of Retang village, introduced that now, the tourism industry characterized by hot springs in Retang village has begun to take shape. The village has 55 hot spring guest houses, more than 70 characteristic farmhouse and characteristic Shenzhen Agricultural Products Group Co.Ltd(000061) stores, which can receive about 5000 tourists at one time. It has become a well-known hot spring town and attracts a large number of tourists.
He believes that today’s changes in Retang village are due to the implementation of the Rural Revitalization Strategy and the strong support of ABC’s credit, which has added development momentum to the villagers’ operation, entrepreneurship and income increase.
Previously, affected by the epidemic, the tourism industry of Retang village suffered a heavy blow, and there was an urgent demand for hotel accommodation funds. After learning of this situation, Huidong Agricultural Bank took the initiative to find the connection with Retang village, promoted Huinong e-Loan to provide loan support, and qualified farmers can obtain credit loans from ABC without mortgage and guarantee, which alleviated the difficulty of fund shortage of operators to a considerable extent.
“Many people in our village have applied. With this loan fund, we can improve the home stay conditions and attract more tourists.” Introduction to operators. Now, for Retang village, although the home stay has been frustrated due to the impact of the epidemic, with the “moisture” of ABC loans, it is gaining new development momentum and full of vitality relying on rural tourism.
Help the integrated development of agriculture and tourism and draw a new picture
While actively supporting the expansion and strengthening of township characteristic tourism industry, Huizhou Agricultural Bank also extended financial services to related industries in the tourism industry chain.
Enjoy the sea of flowers, fruit and vegetable picking, funny and cute… Every holiday, there are many tourists in the Avilon ecological park located in Fengzui village, Yonghu Town, Huiyang District, attracting many tourists to visit and punch in. Avilon ecological park is a national AAA tourist attraction, covering an area of 1300 mu. The park is a leisure tourism agricultural ecological park focusing on ecological natural landscape and integrating Taiwan folk culture. It integrates scientific research, popular science and agricultural sightseeing. It is also a tourist destination for many citizens.
In 2019, Huiyang branch of Agricultural Bank of China successfully granted a loan of 5 million yuan to Avilon ecological park, which is the bank’s first “main loan for the implementation of Modern Agricultural Industrial Park”. According to the relevant person in charge of Huizhou Agricultural Bank, the bank has formulated a comprehensive service plan for the park in combination with its development characteristics, production and operation and the financial needs of market subjects, and provided “one-stop” industrial chain financial services for the construction subjects, operation subjects and Planting Farmers of the park, so as to accelerate the construction of cultural and tourism projects in the scenic spot.
In recent years, Huizhou Agricultural Bank has never stopped supporting the development of agricultural tourism industry. Jiahe Sunshine Ecological Park, located in Huangdong village, Liangjing Town, Huiyang District, has also obtained the loan support of ABC like Avilon ecological park. Covering an area of about 2100 mu, the park is dominated by the planting of high-quality rice, characteristic fruits and flowers. It is a comprehensive ecological park integrating agricultural planting, landscaping, popular science education, catering reception, tourism, leisure and entertainment. In September this year, Huiyang branch of Agricultural Bank of China issued the province’s first “Rural Revitalization and construction loan” fixed asset loan of 1 million yuan to vigorously support its strong and large-scale development of agricultural tourism industry.
Rural tourism provokes industry and villagers on one hand and markets and tourists on the other. Driven by the Rural Revitalization Strategy, many villages and towns in Huizhou have made articles on “agricultural tourism integration and Industrial Park”, and walked out of an agricultural tourism road of “industry + scenic spot” and “tourism + agriculture”.
All along, Agricultural Bank of Huizhou has been focusing on the word “agriculture”, taking root in the countryside, supporting agriculture and being close to farmers, taking the development of new agricultural business entities and leisure agriculture, rural tourism and other Shenzhen New Industries Biomedical Engineering Co.Ltd(300832) development as the focus of credit support for agriculture, and driving regional economic development by supporting green industries such as tourism.
Up to now, the bank has issued nearly 2 billion yuan of tourism (legal person) related loans. Under the financial running water of Huizhou Agricultural Bank, the magnificent countryside of Huizhou is becoming more and more charming and attracting more and more tourists. The relevant person in charge of Huizhou Agricultural Bank said that in the future, it will actively play its financial function, vigorously promote the Rural Revitalization Strategy, and make a new chapter for the integrated development of agriculture and tourism in Huizhou.
(Nanfang Daily)
