<h1 class= "pgc-h-arrow-right" > happy in the orchard</h1>
<h1 class = "pgc-h-arrow-right" > - Xinjiang Rural Credit helps forest fruits to improve the quality of poor fruit farmers to increase income</h1>
"In August before the court, the pear dates are ripe, and the trees can be used a thousand times a day." Du Fu's poem is appropriate to describe Xinjiang's high-quality melons and fruits. Xinjiang is known as the land of melons and fruits, and the large temperature difference between day and night determines that the melons and fruits here are sweeter and taste better. In 2019, the planting area of forest fruits in Xinjiang reached 21.67 million mu, accounting for about 13% of the national forest fruit planting area. The income from the forest and fruit industry accounts for 25% of the per capita net income of farmers in Xinjiang, and accounts for 45%-60% in some counties and cities in southern Xinjiang.
The Xinjiang Rural Credit Cooperative, rooted in the north and south of the Tianshan Mountains, has always been the "sunshine and rain dew" of Xinjiang forest fruits. Focusing on the development strategy of "strong fruit" in the autonomous region, we will comprehensively help the transformation and upgrading of the forest fruit industry and the poor fruit farmers to get rid of poverty and become rich. Since 2016, Xinjiang Rural Credit has invested a total of 31.86 billion yuan in loans for the forest and fruit industry, and credit supported 378,800 sub-growers, helping the average benefit of jujube, walnut, grape, apricot, apple, fragrant pear and other characteristic fruits to reach about 750 yuan per mu, directly driving 1.5151 million people to increase their income.
Financial living water watering "get rich fruit"
In the late autumn of 2020, when I heard that the comrades of the Xinjiang Rural Credit Cooperatives Union (hereinafter referred to as the Autonomous Region Association) came to investigate the use of poverty alleviation microcredit, Turkhon Mamuti, a poor household in Wensu County, very warmly invited the research team to come to his home to taste his apples.
Walking through the blossoming village paths, in the shade of a branch covered with red apples, the author came to Turkhon's home. Only to see the design of the pointed house windows are clear, the house is complete with water and electricity heating, and the colors are warm. Under the backyard grape gallery is a cozy relaxation area, with apples, grapes and peaches planted in front of and behind the house, a group of small yellow chickens leisurely pacing in the orchard, and the cow and her calf curiously reaching out to inquire about visitors.
(The picture shows Turkhon and his wife preparing to pick apples planted in front of their homes to entertain guests)
Turhong said: In 2017, I plan to plant some walnuts and apples, I want to go to Wensu County Rural Credit Cooperatives to apply for 20,000 yuan of poverty alleviation microcredit, the account manager of the Rural Credit Cooperatives came to my home, looked at my family's land, helped me calculate the account carefully, found that 20,000 yuan is not enough, gave me a loan of 30,000 yuan, encouraged me to be assured of boldness and early wealth. In recent years, the fruit has sold well, and after I repaid the loan this spring, the manager came to help me calculate my income to see the market, and gave me 50,000 yuan to let me run faster. Later, I listened to the manager's words and ran fast, this year's net income from planting fruits alone was almost 30,000, and I got rid of poverty all at once.
Turhong's experience is a microcosm of Xinjiang Rural Credit Cooperative's precise support for poor fruit farmers to become rich through poverty alleviation and microfinance.
Since the establishment of the new leadership team of the Autonomous Region Federation in 2018, closely focusing on the strategic deployment of "stabilizing the area, optimizing the structure, improving quality and efficiency, and transforming and upgrading" of the forest fruit industry in the autonomous region, we have established a poverty alleviation information reporting mechanism and a credit support for the poverty alleviation data statistical analysis mechanism of the forest and fruit industry, and constantly explored new ways and methods of financial support for the forest and fruit industry. It has successively issued a series of credit systems such as the "Measures for the Management of Loans for Enterprises in characteristic forest and fruit industry" and the "Measures for the Management of Loans for Fruit Farmers in Characteristic Forest and Fruit Industry", guiding various banks to innovate financial products, improve financial services, provide strong credit support, and continuously increase the depth and breadth of services for the characteristic forest and fruit industry.
With the policy guidance of the Autonomous Region Federation, 83 banks in Xinjiang have taken financial assistance to the forest fruit industry to become bigger and stronger as the main starting point for implementing poverty alleviation, and have continued to exert efforts from the three aspects of "accurate loans", "fast loans" and "guaranteed profits" when supporting fruit farmers and poor households.
The loan is accurate. All banks and societies make full use of the poverty alleviation microfinance policy, strictly implement the "three-level joint review" and "five-person joint investigation" work system, highlight the characteristics of "personalization and differentiation", strive to accurately target, accurate amount, accurate time limit, and accurate use of the "four precisions", make every effort to ensure the effective credit needs of poor households and marginal poor households for the development of production, issue poverty alleviation microcredit of 113 million yuan for forest fruit planting, ensure "accurate loans, good management, and recovery", and help poor households get rid of poverty and get rich through the development of the forest fruit industry.
Borrow fast. Focusing on the integrated development of the "production and marketing" of the forest and fruit industry, giving full play to the advantages of the flexible mechanism and rich products of rural credit cooperatives, all banks and societies have introduced a time-limited loan settlement system, and put forward clear time limit requirements for loan acceptance, investigation, review, approval and delivery of loans, starting from simplifying business processes, improving the efficiency of loan handling. Especially in the period of spring ploughing and preparation, open a credit "green channel" for fruit farmers to ensure that the loan is completed within 5 working days from acceptance to issuance; during the harvest period of forest fruits, corresponding policies are introduced to provide faster and more intimate financial services for the majority of fruit farmers and acquisition enterprises.
Inclusive. Under the initiative of the Federation of Autonomous Regions, various banks have also vigorously promoted the implementation of the rating and credit of peasant households in the whole village, scientifically assessed the credit line, reduced the interest rate of farmers' loans, and improved the availability of loans. By the end of September 2020, the Xinjiang Rural Credit Cooperatives had completed the collective credit granting of credit to 5,027 villages and 423 townships, rated 2,822,400 peasant households at the "A" level or above, benefiting 1,537,900 households, and transferring 762 million yuan to farmers.
Funds to bless the forest fruit "up the steps"
In the Aksu Kekeya Desert, on the one hand is the Gobi Desert where the wind blows stones, on the other hand is the windproof and profitable 80,000 acres of green Great Wall composed of fruit trees, people can't help but marvel at the miracle of this world, here is the extension of the famous Kekeya greening project, representing the development direction of modern forest and fruit planting. Recently, He Zhangwei, chairman of Hongsheng Fruit Industry Co., Ltd., who is responsible for this project, said with emotion: The investment in desert reclamation is huge, and this orchard can have today's scale, which is the Wensu County Rural Credit Cooperatives in recent years to give us a total of 160 million yuan of credit funds, which makes me unforgettable."
The Kekeya greening extension project is a typical case of Xinjiang's rural credit finance "blessing" and helping the forest and fruit industry to "go up the ladder". In a larger pattern, from the aspects of "full loan", "sufficient loan" and "quality promotion", it is the vision and sentiment of Xinjiang rural credit cooperatives to help Xinjiang's characteristic forest and fruit industry "go up the ladder".
"Borrow it all". In recent years, Xinjiang Rural Credit has focused on promoting the integrated development of "production and marketing" of the forest fruit industry, combined with the credit needs of the forest fruit industry at different stages of pre-production, production and post-production, to do excellent and refined financial services for the whole industrial chain, and to support the transformation of the forest and fruit industry from quantitative and extensive to efficiency-oriented and scientific and technological-
Since 2016, a total of 27.285 billion yuan of loans have been issued for forest fruit planting, of which: 300 million yuan for farmers' professional cooperatives, 24.276 billion yuan for farmers, 295 million yuan for poor households, involving 5.457 million mu of forest fruit planting area; 2.096 billion yuan of loans have been issued to the forest fruit processing and storage industry, involving 1.1082 million tons of fruits; and 2.386 billion yuan of loans have been issued to the forest fruit transportation and sales industry, involving 124,600 tons of fruits.
At the same time, we should support the construction of "two nets" for the sale of advantageous agricultural products inside and outside Xinjiang, make every effort to ensure the supply of credit funds for forest fruit purchase and sales enterprises and acquisition merchants during the concentrated harvest period of forest fruits, especially during the market downturn, support leading enterprises in entrusting the purchase of markets, and achieve "money and fruits" in advance, so as to avoid the occurrence of the phenomenon of "difficulty in selling fruits" and "playing white strips", and further promote the employment and income of poor households.
Borrow enough. In order to support the forest fruit industry to become bigger and stronger, Xinjiang Nongxin signed a strategic cooperation framework agreement with Xinjiang Fruit Industry Group Co., Ltd., a key leading enterprise in the national forest and fruit industry, with a credit of 5 billion yuan and a cumulative loan of 2.8 billion yuan to help the fruit industry group build a fruit warehousing and acquisition trading center with more than 1.5 million tons of warehousing, which adopts the development model of "online e-commerce trading platform + offline wholesale trading market of origin", and integrates spot trading, fruit processing, warehousing and logistics, and the operation process is informatized, networked, Intelligent, the area reached 1.71 million square meters. In addition, Xinjiang Rural Credit also issued 7.8 billion yuan of forest and fruit loans to the upstream and downstream enterprises of the Fruit Industry Group, which led more than 100,000 fruit farmers out of the dilemma of increasing production and not increasing efficiency.
Since 2016, Xinjiang Rural Credit has also supported 38 other leading industrialization enterprises, with a total of 1.76 billion yuan in credit funds. By providing credit support for these leading enterprises with scale, brand, technology and market, we will promote the intensive development model of "company + base + credit cooperative + farmer", and form an industrialized production system of "market leader, leading base, base joint farmer", benefiting 22,000 poor people and increasing per capita annual income by 650 yuan.
(The picture shows Abudu, a poor household working in the poverty alleviation workshop of Hetianguo ChuChu Food Co., Ltd. in Xinjiang, skillfully operating a locomotive to transport goods)
In addition to supporting leading enterprises in the fruit industry, Xinjiang Nongxin also fully supports the development and growth of professional cooperatives in the forest fruit industry, so as to "support a forest fruit cooperative and drive a forest fruit poor household". For cooperatives with better operational efficiency, Xinjiang Rural Credit will give priority support, increase the credit line, and directly issue loans to cooperatives; for cooperatives in the initial stage, indirectly support cooperatives, according to the proportion of members' shareholding or production share, issue loans to members to enhance their ability to contribute funds; carry out credit support for leading enterprises that have established purchase and sales relations with cooperatives, reduce credit sales behavior, and help cooperatives withdraw funds. Since 2016, 843 households with loans for professional cooperatives and large operators in the forest and fruit industry have been issued, amounting to 1.868 billion yuan.
Promote quality. How to make Xinjiang melons and fruits have both word of mouth and value? Based on local resource endowments and industrial adjustment plans, Xinjiang Rural Credit Firm vigorously supports the development of green and organic forest fruit industries on a large scale, and promotes the transformation of the forest and fruit industry from a continuous upgrading of regional resource advantages into variety advantages, industrial advantages and economic advantages.
A set of data can explain the problem: and the end of the county rural credit cooperatives issued more than 6,000 organic jujube loans, 270 million yuan, The area of the organic jujube garden in the help of the end of the county reached 63,000 mu, and the farmers planted organic dates earned 700-800 yuan more per mu than ordinary red dates; during the epidemic period, the Yecheng County Rural Credit Cooperatives issued 33.905 million yuan of walnut purchase loans to 65 walnut economicians to smooth the circulation of walnuts; the Jiashi County Rural Credit Cooperatives provided credit support of 103 million yuan for the xinmei planting in Jiashi County, and issued credit funds to 78 households and 40.95 million yuan to the merchants of the xinmei acquisition enterprises, at present, the planting area of Jiashi Xinmei has reached 320,000 mu...
Since 2016, Xinjiang Rural Credit has issued a total of 1.153 billion yuan in loans to support national geographical indications such as "Shache Badan Wood", "Jiashi Gua" and "Yecheng Walnut" and special fruits such as "Kaxiang Sacred Fruit" and "Youyou Apricot", and to help these "soil fruits" on the former bazaar to wash away mud stains and enter the "C position" of the large-scale supermarket fruit special area.
Postscript: Today's hometown of melons and fruits is relying on powerful leading enterprises and increasingly perfect production, supply and marketing chains, so that the characteristic brand melons and fruits go out of Xinjiang and fragrant thousands of homes. On the way to help Xinjiang's forest fruit industry improve quality and efficiency, and help fruit farmers, especially poor households, get rid of poverty and become rich, Xinjiang Rural Credit Cooperatives will also come up with more "real tricks" and "hard moves" to provide excellent answers to support the forest fruit industry to become bigger and stronger.
(Autonomous Region Federation Cheng Qian, Guo Fang, text/photo)