Zhejiang: Financial "living water" irrigation is good "abundant" scenery

It's the annual citrus harvest season again, and at this time, Ruan Mengdong, a fruit farmer in Ninghai County, Zhejiang Province, has relaxed his eyebrows, but a month or two ago, it was not such a scene
.
This summer, continuous high temperatures and droughts, coupled with three typhoons "clusters", have caused serious loss of fertility in citrus fields, and in order to minimize the losses, top
dressing is necessary.
But at that time, the pockets were shy, where did the money come from? When there was no way out, the Ningbo Street Sub-branch of the Agricultural Bank and the Ningbo Agricultural Financing Guarantee Co.
, Ltd.
helped a lot, and the 1.
9 million yuan of rural personal production and operation loans "fell into the bag", and Ruan Mengdong immediately had a bottom in
his heart.

The scene of a bountiful harvest is touching, and behind it, struggle and cultivation are condensed
.
In order to help farmers produce abundant and harvest, at present, major financial institutions in Zhejiang have increased the irrigation of financial "living water", issued policies, excellent services, and improved efficiency, adding bricks to the golden autumn "abundant" scene
.

Industry support "tailor-made"

In Xingkou Village, Bihu Town, Liandu District, Lishui City, the 60-acre lotus pond of Gao Minorjun's family is a busy scene
.
"Thanks to the 2.
6 million yuan 'business loan' provided by the Agricultural Bank, we have the confidence to expand Outang and harvest a bumper mile!"

The same joy was displayed on
the face of Chen Derong, a fruit farmer in Yugen Village, Qinggang Town, Yuhuan City.
The village is known as "China's first Wendan village", and as Wendan matures, the village ushers in a busy harvest season
.
Chen Derong's orchard exudes an alluring fragrance, and thanks to the 300,000 yuan "Wendan loan" he received from the Agricultural Bank in the past two years, the planting area has doubled, and his income has naturally risen
.

In Zhejiang's agricultural landscape, there are various industries and different
needs.
As the largest deposit and loan bank of Zhejiang financial institutions, ABC Zhejiang Branch is committed to building a wide coverage and deep sinking service network, and the "Jinsui Hui Nongtong" project is the basic service system built by the bank for rural inclusive finance, and many of its products are rooted in characteristic industries for "tailor-made" to ensure accurate "irrigation"
.

It turned out that focusing on the production chain, supply and marketing chain and consumption chain of farmers, Zhejiang Agricultural Bank collected, screened and analyzed data through the "online + offline" method, so as to build a villager credit file database
.
Based on this, ABC Zhejiang Branch launched the "e-Loan for Benefiting Farmers", which opens up online loan channels, and loans can be accepted online, withdrawn by themselves, and repaid by themselves, which is fast and convenient
.
It is worth mentioning that the bank has also innovated the "self-portrait" model and launched industry-specific loans to ensure that inclusive finance accurately benefits farmers
.

At present, in the Zhejiang Agricultural Bank system, Huzhou has "white tea loans", Wenzhou has "tomato loans", Jinhua has "grape loans", and so on, and innovation continues
.
Farmers borrow and return as they go, have grain in their hands, and do not panic in their hearts, so the development of industry is naturally more stable
.
By the end of September this year, the Zhejiang Branch of the Agricultural Bank of China had issued a total of 512,000 "e-loans to benefit farmers" of 349 billion yuan, with a loan balance of 92.
7 billion yuan
.

The "living faucet" is a whole piece

Walking into the fields of Shanlian Town, Nanxun District, Huzhou City, the fields are square, the roads are networked, the ditches are connected, and the canals are connected, which has changed significantly
from two years ago.
In May last year, the central government entrusted Zhejiang with the important task of building a common prosperity demonstration zone with high-quality development, and just one month later, the Zhejiang Branch of the Agricultural Development Bank signed the province's first cooperation agreement with the Nanxun District Government to build a common prosperity demonstration zone, focusing on the green development of agriculture and rural areas and the balanced development of urban-rural integration, taking the lead in creating a county model of common prosperity
.

Different from the previous model of supporting local governments, this time, the CADB takes comprehensive land management as the starting point and emphasizes integration and coordination, hoping to achieve large-scale agricultural production and operation, and also aims to promote the transformation of resources into assets, funds into shares, and farmers into shareholders
.
In just over a year, CADB has supported 29 local infrastructure construction projects with an amount of 21.
6 billion yuan, with cumulative loans of 7.
7 billion yuan, and the balance of loans exceeding 10 billion yuan
.

52,000 mu of cultivated land were added and upgraded, 24,000 rural housing conditions were improved, and urban and rural roads were upgraded by 366 kilometers.
.
.
A string of data shows that Nanxun is changing day by day, and the effect is also immediate
.
The rent of farmers' land in Guangshan Lian Town has increased from the original 600 yuan per mu to more than 1,000 yuan, and after the town's first 40 million yuan "Yangguang Complementary" strong village industrial science and technology common prosperity project is put into operation, it can be expected to increase the average income of farmers by about 3,000 yuan
in the first year.

At present, the comprehensive land management model supported by the Zhejiang Branch of the Agricultural Development Bank has attracted great attention from national ministries and commissions and local governments, and characteristic practices such as "farmland + living environment improvement", "farmland + industry introduction" and "farmland + village collective entrusted management" have also become the bank's "good show"
to help common prosperity.
The bottom line is that the "living faucet" of financial services is no longer piecemeal, but integrated and synergistic
.

If the Zhejiang Branch of the Agricultural Development Bank is to serve the rural revitalization of the whole region as the answer, then the "combination box" of the Ningbo Branch of the Agricultural Bank of China has accurately landed on the
agricultural industry chain.
In this regard, ABC Ningbo Branch focuses on various agricultural professional markets, agricultural characteristic industrial chains, agricultural industrial clusters and other customer groups in the city, and supports a group of agricultural leading enterprises with the most local advantages in the form of "one professional market and one service plan" to help their intensive, large-scale, collectivized and international development
.

The joy of a good harvest is written on the faces of the peasants, and even more so on the
earth.
Data show that in the first half of this year, Zhejiang's summer grain, summer oil and early rice sowing area, mu yield, and total output all achieved "three increases", the added value of agriculture, forestry, animal husbandry and fishery in the province increased by 3.
4 percent; peasant income increased by 6.
3 percent; and the ratio of urban and rural residents' income shrank to 1.
74
.

Pratt & Whitney shared digital networks

Jin Weilin is a villager in Yiqiao Town, Xiaoshan District, Hangzhou, who has been engaged in chicken and duck breeding for more than ten years, and his life is quite prosperous
.
Because of the good benefits last year, I originally planned to expand the scale, but when my eldest daughter got married, the home was renovated, and suddenly became "shy", Jin Weilin had a thin face and was ashamed to borrow
from relatives and friends.
After a piece of land was leveled, because there was no money to build a shed, barren grass
gradually grew.

This scene happened to be seen by the salesman of Xiaoshan Agricultural Commercial Bank who was engaged in digital village information collection, and after face-to-face communication, the salesman entered Jin Weilin's information into the "citizen asset-liability digital intelligence system", and soon, the system automatically calculated the credit limit
.
Without much effort, Jin Weilin successfully applied for a loan
of 200,000 yuan.

In 2021, the Zhejiang Banking and Insurance Regulatory Bureau innovated and promoted the "Farmer Household Balance Sheet Financing Model" to guide banking institutions to establish the balance sheet
of rural households.
Offline data is collected by the bank's relationship manager door-to-door visits, mainly including asset information and liability information; Online data is obtained
from agricultural and rural departments and from sources such as the People's Bank of China.
The two are taken together, and the credit line is calculated through the model, which is more accurate than the traditional public credit line, and farmers can also apply for an increase and apply for loans
online.

Xiaoshan Rural Commercial Bank took the lead and developed the "Citizen Asset and Liability Digital Intelligence System" in March this year, and connected it to the digital governance platform of the town and street in the district to promote the deep integration of financial and rural governance, and compared with the previous public credit model, the average credit limit of each household increased by 170,000 yuan
.
It is understood that Zhejiang will sum up the practice of Xiaoshan Rural Commercial Bank and solidly promote the establishment of "peasant household balance sheets" village by village
.

Digital financial services have long been commonplace in cities, and now they are also becoming popular in the countryside
.
Taking the Ningbo branch of the Agricultural Bank of China as an example, on the one hand, enrich the online supply chain service model to achieve batch marketing of upstream and downstream small and micro customer groups; On the other hand, promote the integration of online and offline channels, so that farmers can enjoy modern financial services
without leaving home.

"We have launched three business functions, including 'Huinong e-Loan' online financing, 'Huinong ePay' payment and settlement, and 'Huinong e-business' rural e-commerce, to realize an online-offline integration, multi-level and three-dimensional rural financial service model, and help build an inclusive financial 'ecosystem'
.
" Yu Wanke, vice president of the Ningbo branch of the Agricultural Bank of China, told reporters that "Internet +" is becoming a new driving force
for deepening and innovating financial services for rural areas.
As of the end of September, the balance of agriculture-related loans of the Ningbo Branch of the Agricultural Bank of China was 99.
676 billion yuan, an increase of 12.
915 billion yuan over the beginning of the year, an increase of 14.
89%.

(Editor Li Chuang)