As a financial bridge and link between agriculture, rural areas and farmers, Quannan Rural Commercial Bank takes the initiative to undertake political responsibilities, do a good job in financial services for agriculture, rural areas and farmers, adhere to the market positioning of supporting agriculture and helping small businesses, focus on serving the main business of agriculture, rural areas and farmers, optimize financial services for agriculture, rural areas and farmers, and intensively cultivate them to help rural revitalization and real economic development.
By the end of 20 18, the balance of agricultural loans of Quannan Rural Commercial Bank was 21900 million yuan, up by 16.26% year-on-year, which was 0.8 percentage point higher than that of various loans. The loan balance of small and micro enterprises was1175 million yuan, an increase of158 million yuan over the beginning of the year.
At the same time, the bank formulated the "Five-year Plan for the Whole Village Promotion of Farmers' Micro-credit Loan Rating of Quannan Rural Commercial Bank" to implement the whole village promotion within its jurisdiction; Through in-depth four-sweep, according to the "grid" visit park enterprises, new agricultural management entities, large farmers and private owners, it is planned to achieve "three full coverage" of household survey, credit rating and loan letter.
By the end of 20 18, the number of new credit customers had reached 3,486, and the new credit amount was 555.88 million yuan. The whole village completed 12 1 village group, adding 2,264 new farmers with a credit amount of 224.2 million yuan.
Extended data:
For example:
In the poverty alleviation base of Xiangyun Orchid Industry in Zhongqie Village, Nanjing Town, quannan county, Liu Guangou, a poor household in Gujiaying Village, borrowed 50,000 yuan to become a shareholder in the poverty alleviation base, and the average annual income is expected to reach 8,600 yuan.
The base adopts the business model of "enterprise+cooperative+farmer", and drives more than 200 poor households through the interest linkage mechanism of "land rent generated by land transfer, base staff remuneration, capital investment dividends, trust management income and orchid planting income".
Among them, 190 poor households joined the cooperative by organizing the poor households in the town to use the "Poverty Alleviation Credit Link" loan and helping the poor households with their own funds or units, with a capital of about10.5 million yuan.
Jiangxi Rural Credit Cooperative Association —— Sticking to the Initial Intention of Serving Agriculture, Countryside and Farmers