Accurate microfinance helps farmers increase their income.
Our reporter Liang Rui
In recent years, Lingbi County, Anhui Province has actively implemented the poverty alleviation micro-credit policy, adhered to the principle of "getting the loan, borrowing quickly, using it well, and paying it back", and striving to realize that the poverty-stricken households who meet the conditions and are willing to borrow "should make the most of their loans" loans”, consolidating the achievements of poverty alleviation.
Aiming at the "four difficulties and one fear" that generally exist in poor farmers, namely "difficulty in selecting industrial projects", "difficulty in raising development funds", "difficulty in production and operation management", "difficulty in expanding market sales", "fear of losing money and converting money" and failing to obtain loans Lingbi County has innovatively launched the "one-self three-in-one" financial poverty alleviation model.
According to Tang Rui, director of Lingbi County Rural Revitalization Bureau, “one self” refers to poor households with independent development ability and development conditions, through household loans, households use self to develop poverty alleviation industries, and operate independently to increase income and get rid of poverty; “three combined” means to adopt partnership , cooperation, and joint venture models, after the poor households take out loans, they cooperate with others to produce and operate, or join or form a group to establish farmers' cooperatives, and resolve risks through member cooperation or cooperation and joint ventures with leading enterprises, forming a long-term mechanism for poverty alleviation and prosperity.
Ensuring the smooth issuance and precise use of credit loans for poverty alleviation is the key to financially promoting the stable income increase of the poverty-stricken people.
Lingbi County explored and innovated a new mechanism for financial poverty alleviation, and set up three-level financial poverty alleviation service stations at county, township and village levels.
"Through the financial poverty alleviation service station, strengthen the management and control of the poverty alleviation microcredit process, optimize the process, reduce the application materials, shorten the loan processing time, and increase the speed of lending, so as to promote the speed and efficiency of financial poverty alleviation through organizational construction." Lingbi County Rural Commercial Bank Vice President Dai Zhaoyun said.
With the help of the village work team and the village committees, Xizhongjun, a poor household in Xiji Community of Lingbi County Development Zone, applied for a poverty alleviation microcredit of 50,000 yuan in the first two years to build a greenhouse and develop green vegetable cultivation.
At present, the West-Central Army has 3 greenhouses, which can make a profit of 30,000 yuan a year, and realize the increase of income and poverty alleviation.
In the village square of Yinzhuang Village, Damiao Township, Lingbi County, the reporter saw three red new agricultural machinery lined up.
"Two balers, one raking machine, and three agricultural machines totaling 650,000 yuan." Wang Lei, secretary of the party branch of Yinzhuang Village, told reporters that "a single thread cannot make a thread, and a single tree cannot make a forest." None of them could afford agricultural machinery, but the fire was high for everyone to gather firewood. The village, on the basis of 16 poverty alleviation loan households, established an agricultural machinery cooperative based on the principle of voluntariness, and concentrated the use of farmers' loans to purchase agricultural machinery and provide mechanized services for grain harvesting.
It is estimated that the three agricultural machinery and agricultural machinery cooperatives are expected to increase the average annual income of each poverty alleviation loan household by 5,000 to 6,000 yuan.
The reporter learned that as of now, Lingbi County has issued a total of 1.167 billion yuan in poverty alleviation micro-loans through the "one-self-three-in-one" model, and 24,872 households have received loans. Among them, 2,708 households will be added in 2021, and the new loan amount will be 132 million Yuan, injected financial vitality into the local consolidation and expansion of poverty alleviation achievements, and formed a virtuous circle of rural industrial development, stable income increase of farmers, and rolling growth of credit resources.
Our reporter Liang Rui