(Walking to the grassroots level in the Spring Festival) Henan Zhenjin Baiyin strengthens the "blood generation" mechanism to help revitalize and prevent the return to poverty

　　China News Service, Zhengzhou, January 20th, title: Henan's real money and silver to strengthen the "blood generation" mechanism to help revitalize and prevent return to poverty

　　Reporter Han Zhangyun

　　With the Spring Festival approaching, Gao Fengfa began to take stock of the family's income for the year as usual.

After all, he and his wife couldn't help but raise the corners of their mouths.

"The net income in 2021 will exceed 70,000 yuan, which is much better than previous years." He explained to his wife, "This year, let's buy more New Year's goods and have a good harvest year."

　　Gao Fengfa is a villager in Hewan Village, Luhe Township, Zhengyang County, Henan Province.

It is with this loan that his family has achieved a leap from poverty to prosperity.

The reporter found through interviews that in Henan Province, there are many people like Gao Fengfa who have achieved prosperity with the help of micro-loans for poverty alleviation.

Whether it is in the stage of poverty alleviation, or at the moment of consolidating and expanding the achievements of poverty alleviation, Henan has invested real money to escort the realization of the goal of rural revitalization.

The picture shows workers in a violin enterprise in Queshan County, Henan Province, busy making violins.

Photo by Li Chaoqing

　　Helping revitalization - financial support

　　The relevant person in charge of the Henan Banking and Insurance Regulatory Bureau introduced to the reporter that the microcredit for poverty alleviation was optimized from the original "poor alleviation microcredit", which is very important for the former poor people to become rich and well-off.

In this regard, Henan requires that the micro-credit for the poverty-stricken population that expires before December 31, 2023, the part within 50,000 yuan (inclusive) will continue to implement the full interest discount policy. For those who really need it and have the ability to repay, the loan amount can be increased to 100,000 yuan.

　　As of the end of October 2021, the balance of microcredit for the poverty-stricken population in Henan Province was 9.062 billion yuan, an additional 6.008 billion yuan was invested that year, and the number of new loan households was 177,500.

Gao Fengfa is the beneficiary of this policy.

　　In 2019, with the support of Zhengyang Rural Commercial Bank's "Poverty Alleviation Micro-loan", Gao Fengfa achieved poverty alleviation by contracting land to plant peanuts.

After getting rid of poverty, Gao Fengfa had a new idea - using peanut seedlings to breed goats.

"After learning about the situation, Zhengyang Rural Commercial Bank issued a small loan of 40,000 yuan to me for poverty alleviation, and I realized the dream of 'combining planting and breeding' to become rich." Gao Fengfa said that a year later, his family's net income has exceeded 70,000 yuan Yu Yuan further consolidated the achievements of poverty alleviation.

　　Microfinance is only one aspect of Henan's financial industry to help consolidate the achievements of poverty alleviation.

The "Guiding Opinions on High-quality Serving Rural Revitalization of Henan Banking and Insurance Industry" is a comprehensive arrangement and deployment of consolidating the achievements of poverty alleviation and helping rural revitalization.

For example, agriculture-related loans are required to continue to grow, the balance of loans in poverty-stricken areas and the amount of agricultural insurance coverage will continue to increase throughout the year, and the varieties of agricultural products with advantages and characteristics in poverty-stricken counties will increase steadily.

For Henan Province's key rural revitalization counties and 27 key disaster-affected counties (cities), further policy preference will be given in terms of providing exclusive resources, exclusive policies, exclusive products, exclusive channels, and exclusive services.

As of the end of October 2021, the loan balance of four key rural revitalization counties in Lushi, Songxian, Taiqian and Xichuan provinces was 46.83 billion yuan, an increase of 4.714 billion yuan from the beginning of the year.

Female workers are processing insoles in a poverty alleviation and employment workshop in Zhao Village, Xiping Luo Township, Huixian City, Henan Province.

Photo by Han Zhangyun

　　The introduction of this policy timely resolved the financial predicament of Puyang Taiqian Wulin Dance Clothing and Footwear Co., Ltd.

As a small and micro enterprise that processes and sells clothing, shoes and hats, among the 51 employees of the company, only 14 people have been lifted out of poverty.

However, in the second half of 2021, due to the impact of the epidemic, the company's capital turnover was difficult. After the visit and investigation, Taiqian Rural Commercial Bank provided it with 980,000 yuan of credit fund support to help the company quickly get out of the predicament and further consolidate the achievements of poverty alleviation. .

　　In July 2021, many places in Henan suffered a rare heavy rainstorm, which was severely affected.

For key livelihood areas such as key flood-damaged projects, resumption of work and production of disaster-stricken enterprises, and production and living security for disaster-stricken residents, Henan has increased credit issuance.

As of November 2021, the province's banking industry has issued a total of 266.687 billion yuan in credit funds for flood prevention and disaster relief and support for post-disaster reconstruction. The progress of claims settlement within one month after the disaster has set the fastest record for major natural disaster claims in China.

　　The continuous investment of real money has transformed the characteristic industries of poverty alleviation areas in Henan from passive "blood transfusion" to active "hematopoiesis", and the development is full of vitality.

　　In Queshan County, Zhumadian City, in order to support the development of the violin industry, Queshan Rural Commercial Bank launched a credit product - "Red Qinyin Loan", which has accumulated 215 transactions worth 149.74 million yuan.

　　According to Wang Jintang, president of the Queshan Handmade Violin Association and head of Henan Jinming Musical Instrument Co., Ltd., the "Red Qinyin Loan" has effectively solved the financial problem for him.

"The loan amount is less than 3 million yuan, and the loan term is less than 1 year. It can be approved at one time, loaned as needed, balance control, and turnover use. Credit, mortgage, guarantee and other guarantee methods can be used. Qualified loans will be accepted within 5 working days. That's it." Wang Jintang told reporters that he had used the loan twice, one for 300,000 yuan and one for 1 million yuan. The company has solved the problem of capital turnover.”

　　Today, the mountain violin products are getting bigger and stronger and exported to more than 20 countries including Europe and the United States, and it has also brought employment to more than 2,600 local people.

　　In Lankao County, Kaifeng City, local financial institutions have developed "sweet potato loans", "honeymelon loans" and "greenhouse loans" around sweet potato, honeydew melon, vegetable greenhouses and other planting industry farmers, and launched "national musical instrument loans" around the national musical instrument industry, focusing on green The animal husbandry industry chain launched the "Animal Husbandry Benefiting the People Loan"... The special loan has greatly helped the development of local characteristic industries and led to the prosperity of the people on one side.

In late December 2021, 10,000 mu of high-standard farmland in Weishi County, Henan Province, is growing gratifyingly.

Photo by Liu Meng

　　Anti-poverty - insurance cover

　　The investment of real money and silver is a pioneer in getting rid of poverty and becoming rich, and insurance protection is a powerful backing for the bottom line of risks.

　　In response to the main factors of returning to poverty due to illness, disasters, and accidents, Henan will carry out a package of insurance services such as "anti-poverty insurance" in 2021 according to local conditions, to provide comprehensive risk protection for people who have been lifted out of poverty.

As of the end of September of that year, a total of 10 insurance institutions in the province had undertaken the "poverty prevention insurance" business, covering a total of 105 counties (districts), accounting for 66.88% of the province's counties (districts). 649.113 billion yuan of risk protection.

　　Chen Lin (pseudonym), a farmer in Zhenping County, Nanyang City, is the beneficiary of the "Poverty Prevention Insurance".

There are 7 members in his family, and his wife Zhou Hong (pseudonym) suffers from breast cancer. The family has a heavy financial burden, and the family income cannot support medical expenses.

　　After a series of work procedures such as investigation and verification, the local agency of Pacific Insurance determined that the Chen Lin family was the recipient of assistance.

In 2020, Zhou Hong's total hospitalization expenses were 65,164.61 yuan, and after reimbursement, he paid 28,491.52 yuan at his own expense, accounting for 43.72% of the self-payment. After the calculation of the Pacific "Poverty Prevention Insurance" work implementation plan, Chen Lin was finally assisted by the "Poverty Prevention Insurance" fund. 12,245.76 yuan, and the proportion of self-payments dropped to 24.93%.

　　After receiving the "anti-poverty insurance" aid, Chen Lin was very grateful: "This aid has solved my immediate needs and made me see hope in desperation. It's really a relief!"

　　At the same time, agricultural insurance claims in Henan Province will also increase significantly in 2021.

In the first three quarters of that year, Henan Agricultural Insurance paid a total of 2.945 billion yuan in indemnities to 2.6533 million farmers, a year-on-year increase of 63.24%.

"Insurance + Futures" has been implemented in 91 counties and districts in the province, achieving full coverage of prefectures and cities.

　　The relevant person in charge of the Henan Banking and Insurance Regulatory Bureau said that in order to promote the effective connection between the consolidation and expansion of poverty alleviation and rural revitalization, various financial institutions in Henan will further strengthen the financial investment guarantee for the priority development of agriculture and rural areas, enhance the inclusiveness of rural finance, and combine industry positioning. R&D and launch of localized characteristic products to help create "one county, one industry" and "one township (village), one product".

At the same time, promote agricultural insurance to “raise the standard, expand coverage, and increase products”, for example, vigorously carry out the pilot work of wheat full cost insurance; explore and develop new types of insurance such as income insurance and weather index insurance; cooperate with local governments to vigorously carry out poverty prevention insurance, consolidate The achievements in poverty alleviation will benefit more farmers.

(Finish)