"Four business cards" add color to the black water of the White Mountains

Yin Yongmei

In recent years, Based on the natural endowments of the county, Jilin Antu Rural Commercial Bank has effectively connected poverty alleviation and rural revitalization, and strived to support industrial development and upgrading with "small banks and big responsibilities" to add color to the construction of beautiful villages.

One village and one special add "bright color" to the revitalization of the industry. Antu County has unique agricultural resources and obvious advantages in pastoral landscapes. Antu Rural Commercial Bank implements the strategy of "one village, one industry, one village and one characteristic", develops characteristic planting and aquaculture industry according to local conditions, and embarks on a road of "pastoral characteristics" industrial support with high participation of poor people and significant industrial drive.

Xinpingling Village is located seventeen kilometers northwest of Songjiang Town, Antu County, with a remote geographical location and inconvenient transportation, and is a traditional agricultural village. Antu Rural Commercial Bank played a good role in the combination of "financial services + village committee + cooperative + farmer", one is to help set up the project and encourage Xinpingling Village to establish a professional cooperative for the cultivation of miscellaneous grains in Xinpingling. Carry out the village collective industry project - small grain planting. With a total investment of 400,000 yuan, the cooperative has signed contracts with 36 poor households and marginal households for the cultivation of small grains, with a planting area of 60 hectares. The second is to match, introduce enterprises to help, and guide poor households to join the shares. With the help of the Rural Commercial Bank, Changbaishan Protection and Development Zone Xingye Construction Co., Ltd. sent a donation of 180,000 yuan, which was directly invested in the cooperative in the form of dividends for poor households. The third is to build a platform to guide cooperatives to open up the "Internet +" e-commerce platform. Take the "e-commerce + industry" development idea of "financial support, building a platform, market leadership, integration of resources, and highlighting characteristics". At present, the cooperative has registered trademarks, and through e-commerce and offline sales channels, it has comprehensively promoted the collective economic development of Xinpingling Village.

With the support of a 1 million yuan credit loan from the Rural Commercial Bank, Xinfa Village, Antu County, with a total investment of about 1.5 million yuan, was successfully completed at the end of 2020, and 40 Simmental cattle and 12 calves thrived, and it is expected to increase to 100 by the end of 2022, which is very promising.

Living mortgages lead to "living water" for industrial revitalization. Grasp innovation. In order to further stimulate market vitality and endogenous development momentum, Antu Rural Commercial Bank actively explores products, services, models, etc., boldly tries, innovates and launches livestock and poultry mortgage loans, adopts the "bank + regulatory company + borrower" 3+ model, actively docks with third parties, the borrower pledges all the legal inventory to Antu Rural Commercial Bank to apply for a loan, the supervision company is entrusted by Antu Rural Commercial Bank to supervise the pledge, and Antu Rural Commercial Bank provides financing services to customers based on the supervision of the pledge by the supervision company.

Excellent service. Actively connect with the Antu County Agricultural and Rural Bureau and the Antu County Animal Husbandry Bureau to obtain policy and information support and establish a preliminary list system management model; actively cooperate with Jilin Zhengming Warehousing Supervision Co., Ltd. to sign the "Livestock and Poultry Live Mortgage Supervision Agreement" to provide effective support for the live supervision of large-scale farmers; actively communicate and negotiate with insurance companies and provincial agricultural guarantee companies that have established cooperative relations, lay out the carding process for customers in advance, and promote the rapid completion of business. At present, 1276 households have collected information on breeding customers, involving 31809 heads of livestock and poultry; the cumulative credit is 14.61 million yuan, and 7.86 million yuan of livestock and poultry mortgage loans have been issued, providing a reservoir of funds to support the development of animal husbandry.

Bank-government cooperation builds a "golden bridge" for industrial revitalization. On August 30, 2021, Antu Rural Commercial Bank and Antu County Government signed a strategic cooperation agreement between the government and the bank on "Finance To Help Rural Revitalization", and the county government funded the establishment of a rural revitalization industry fund to provide financing guarantees for rural revitalization projects; Antu Rural Commercial Bank sent "financial village officials" to be responsible for connecting point construction, grid construction, inclusive finance, policy publicity, capital support and other services, and fully supported the construction of key demonstration counties for leisure agriculture within the jurisdiction and the development of eight leading characteristic industries of "vegetables, fruits, mushrooms, bees, poultry, pigs and cattle", forming a " The government builds bridges, banks help, agricultural production increases, farmers increase income" win-win situation.