Chinanews.com, Jinan, December 5th (Sha Jianlong Zhusha) "When the land cooperative management was the most difficult, the bank came to our door to handle the loan for us, which solved the urgent need. The cultivation of spinach, eggplant and other vegetables in the village cooperative can be regarded as settled. A few days ago, Zheng Zhen, Secretary of the Party Branch of Nanzheng Village, Weiqiao Town, Zouping City, Shandong Province, said happily when he saw that the village collective had received a loan of 300,000 yuan (RMB, the same below).

　　In recent years, Shandong has vigorously promoted rural revitalization. How to strengthen the rural collective economy, consolidate the foundation of food security, promote the healthy development of industries, and solve the financial needs of key projects and key customers have become difficulties and obstacles in rural revitalization.

As a financial service provider, Shandong financial institutions focus on serving the main responsibilities of "agriculture, rural areas and farmers" and list out a "problem list", research solutions one by one, and promote a reasonable match and effective connection between financial supply and financial needs for rural revitalization.

　　In 2021, the "Qingzhou Shengyukou Rural Tourism Professional Cooperative" in Shengyukou Village, Qingzhou, Shandong will receive a total of 100,000 tourists. This year, the cooperative plans to add a magic carpet project in the scenic area.

Shandong Weifang Branch of the Agricultural Bank of China successfully approved the "Strong Village Loan" of 1 million yuan after learning about the cooperative's capital needs.

It is estimated that after the project is completed and put into operation, it will increase the income of the cooperative by 5 million yuan every year.

There are many cooperatives run by village party organizations supported by rural revitalization series loans. The Qingzhou Branch of the Agricultural Bank of China has successfully issued the largest "strong village loan" of 3 million yuan in Shandong to the Nanxiaowang Shengfeng Land Cooperative in Nanxiaowang Village, Koubu Town. The village has newly built 12 high-standard greenhouses.

In Tangzi Village, Weiqiao Town, Zouping City, Shandong Province, Ma Jianshuang, a major grain grower, had a bumper harvest of corn.

Photo by Wang Xiaodong

　　Qingzhou is affiliated to Weifang City, Shandong Province. In order to better serve Weifang's "three models" (Zhucheng Model, Weifang Model, and Shouguang Model) for innovation and improvement, the Shandong Branch of the Agricultural Bank of China formulated and introduced the "Financial Service Rural Revitalization Qilu Model-Weifang Demonstration Zone" creation plan, released The "Jinsui Qilu·Weifang Rural Revitalization Loan" series of products covers 6 major series and 57 sub-items, including loans for security and food security supply, loans for strengthening village industries, and loans for rural livability.

　　"To promote the common prosperity of rural areas, it is necessary to develop a new type of rural collective economy." According to the relevant person in charge of Shandong Agricultural Bank, the bank has vigorously supported the development of new rural collective economy and new agricultural management through products such as "rural revitalization loan" and "strengthening village loan" Main body and socialized services to promote agricultural moderate-scale operation.

Taking Binzhou, Shandong as an example, the Zouping Sub-branch of the Agricultural Bank of China actively supported the reform and development of the rural property rights system, and opened centralized accounts for the collective economy of more than 800 village households in the city.

Through the establishment of collective economic organization files to understand the status of village collective assets, liabilities, and rights and interests, it is planned to grant 180 million yuan of credit to village collective economic credit that meets the credit conditions.

At present, 12 million yuan of funds have been put in place, and 8 village collective economic organizations have achieved orderly development.

　　The person in charge told the reporter that in order to ensure food safety, Shandong Agricultural Bank has increased its support for the entire grain industry chain, actively connected with the Provincial Food and Material Reserve Bureau, and created the first "credit guarantee fund loan" in the national agricultural bank system, introducing the Shandong Provincial Grain Purchase Loan Credit Guarantee Fund The government's credit enhancement has solved the problems of financing and guarantee for autumn grain purchase and storage customers.

Since the product was launched in early June, 203 million yuan of loans have been issued to 18 grain purchasing enterprises.

At the same time, it innovatively launched the "Operating Procedures for High-Standard Farmland Construction Loans" and actively cooperated with the farmland renovation project of the "ton and a half grain" base in Dezhou. It has approved the first loan of 110 million yuan for the "ton and a half grain" construction project in Ningjin County, Dezhou. There are 3 projects being docked, with an amount of 450 million yuan.

　　During the visit, the reporter found that Shandong's e-commerce industry is booming. Facing this trend, Shandong Agricultural Bank has strengthened financial support through measures such as customizing exclusive products, enriching credit entities, and reducing financing costs, so as to promote the high-quality development of the e-commerce industry.

In Cao County, Heze, Shandong Province, Sunzhuang Village in Daji Town is a well-known Taobao village in the local area, with annual sales exceeding 300 million yuan, and has been rated as "China's Taobao Village" for seven consecutive years.

At important times such as "June 1" and "Double Eleven", the funds for the villagers to concentrate on stocking up this year come from the "e-commerce e-loan" innovatively launched by Shandong Agricultural Bank.

　　According to Zhu Lili, the person in charge of the Personal Loan Center of Cao County Agricultural Bank of China in Heze, "E-commerce e-loan" incorporates all payment platforms, bank cards and other omni-channel transaction flows into the credit calculation model, and increases the calculation ratio, which better solves the original low and insufficient credit limit. used puzzle.

"E-commerce e-loan" has been sought after by local Taobao merchants since its launch.

In January 2022, self-employed Zhao Ying handled 350,000 yuan of "e-commerce e-loan" and became the first batch of customers of Caoxian Agricultural Bank's "e-commerce e-loan".

According to statistics, as of the end of the third quarter of this year, the balance of e-commerce industrial cluster loans of the Caoxian Sub-branch of the Agricultural Bank of China reached 320 million yuan, of which more than 96 million yuan of "e-commerce e-loans" were handled for 252 e-commerce households.

　　In addition, in order to serve the common prosperity of farmers and rural areas and support the urbanization of the agricultural transfer population, Shandong Branch of the Agricultural Bank of China formulated a special financial service plan for new citizens, and innovatively launched the "Jinsui New Citizen Loan", forming a series of products with 34 sub-items in 8 fields to meet the needs of new citizens. The financial needs of citizens in the fields of employment and entrepreneurship, housing, housing, education, medical care and elderly care, and improve the happiness, sense of gain and satisfaction of new citizens.

Since the beginning of this year, the bank has added 5.8 billion yuan in new "new citizen loans".

(Finish)