Since the beginning of this year, affected by factors such as the downturn in the market, the development momentum of the beef cattle breeding industry in Pingluo County has been poor, and the lack of funds has become a major obstacle to the development of the beef cattle industry for farmers. In response to this situation, Pingluo Rural Commercial Bank adheres to the working principle of "returning to the local area and supporting the three rural areas", and takes the "entrepreneurial interest discount" loan product as the starting point for beef and milk cattle breeding, processing and sales, and makes reasonable use of the interest discount policy to reduce the repayment pressure of cattle farmers. For existing customers, we will renew the loan or convert the credit of the whole village into "Xin Yidan" batch guarantee business in combination with the actual situation, so as to help customers tide over difficulties and further prevent industry credit risks.
Honggang Village, Touzha Town, Pingluo County, has vigorously developed the beef cattle breeding industry in recent years, and the farmer Ma Huiping has seen the market, invested all his savings, and also made a loan in the Pingluo Rural Commercial Bank to build a cattle shed and buy calves and feed. Seeing that the beef cattle that had been raised for 2 years were about to be slaughtered, but due to the impact of market price fluctuations, the price of cattle fell sharply, so that Ma Huiping did not dare to sell the finished cattle he raised, but he was unable to continue breeding, and fell into a dilemma. Like Ma Huiping, who is facing the same predicament, there are more than 20 other cattle farmers in Touzha Town, seeing that there is little liquidity left in his hand, Ma Huiping has no choice but to ask Pingluo Rural Commercial Bank for help. After understanding the situation, the customer manager of Touzha sub-branch took the initiative to collect information and contact the guarantee company in time, and handled a batch guarantee loan of 200,000 yuan for Ma Huiping, helping Ma Huiping get out of the "dilemma".
Pingluo Rural Commercial Bank continues to pay attention to the current situation of breeding customers in its jurisdiction, adheres to the concept of "building a people's bank with temperature, speed and depth", is anxious about the needs of customers, solves customers' worries, continuously optimizes the financial service model, and helps rural revitalization and local economic development. At the same time, the bank actively publicized the Pingluo County Government's policy of benefiting farmers, organized customer managers to carry out door-to-door visits and door-to-door docking on a regular basis, and went into the homes of farmers to conduct on-the-spot inspections to understand their capital needs and financing difficulties, and help farmers accurately get through the "blocking points" of funds. As of the end of June, the bank had issued a total of 805 million yuan of loans to the animal husbandry industry, which strongly supported the development of the local agricultural industry.
Source: Pingluo Rural Commercial Bank