“大农金模式”贴心服务“三农”

"Big NongJin model" intimate service "three rural"

With agricultural bank and post office branch of laying the villages and towns Banks such as bank, most of the national shareholding commercial bank business outlets are concentrated in the county and city of above, but the limit set by small and medium-sized Banks did not stop the service "three rural" pace, they explore "big NongJin" service mode, namely, break through the scope of the rural financial business services, from mainly farmers to expand to the county small micro enterprise and individual and industrial and commercial door, agricultural leading enterprises, "tailored" multiple credit model, through the upgrading of traditional agriculture, and financial assets of commercial bank's service "three agriculture" is a new attempt.

A "made-to-measure" credit model

Service "three rural" small businesses

From "twelfth five-year" development plan and China's economic development trend to see, the future of our country's economic growth momentum will mainly comes from the countryside and county economy development, the future financial industry also must conform to the trend, and put more resources into rural county in the market. However due to the small and medium-sized Banks in rural fewer outlets, direct service to farmers has also been a certain limit, so many small and medium-sized Banks by service "three rural" industry of small businesses to support agricultural development.

Huaxia bank is one of the representatives. XiNaJiao meat fish market is one of the seven big meat wholesale market in Beijing, is also the three north areas frozen food distribution center, the largest commodity radiation northeast, northwest, north China and other regions. The wholesale market in order to make some with larger development potential, reputable owners expand, in the case of the consent of the owner to agree, take the initiative to convene has set up a security team, make an application to the huaxia bank group lending is put forward. Huaxia bank insight into the wholesale market for small business merchants demand, formulated the "recommended management, small business group" 200 million yuan credit marketing solutions. In the batch to support small businesses at the same time, huaxia bank financial assets by market management service for merchants and the management level of ascension.

In recent years, with the Beijing agricultural industry upgrading, poultry breeding has become one of pillar industries of aquaculture. Beijing chicken association has developed more than 250 unit members, farmers more than 10000 households, aquaculture production accounted for more than 90% in the whole city. Huaxia bank and chicken association set up a partnership, relying on Beijing farmers bear company, introduced the association, in order to "+ two-stage chicken farmers bear company association (farmers' professional cooperation organization (sco) + leading enterprises + farmers" mode of guarantee, to give financing support to the farmers. This cooperation to further improve the huaxia bank "agriculture, rural areas and farmers" financial service level, and promote the construction of Beijing rural credit, help Beijing aquaculture industry bigger and stronger.

By the end of 2012, huaxia bank service "three rural" industry of small business loan balance of 5.26 billion yuan. From the point of regional distribution, represented by changzhou of jiangsu and zhejiang area, represented by the jinan central city, represented by kunming agricultural characteristic industrial clusters of small business customer is particularly focus on "agriculture, rural areas and farmers" industry. Among them, the changzhou region "agriculture, rural areas and farmers" loans for small businesses accounted for one-third of all the "SAN nong" small business customers.

Pushing a small agricultural credit

Expand agricultural credit

38 JiYanBo is the Harbin a city shall be safe and a family of 6, 20 mu of land, farming family income less than 20000 yuan in 2005. Acheng Harbin bank branch after the establishment, pilot began in the local agricultural loan business, JiYanBo become one of the first batch of beneficiaries. Her way through "five coinsurance" from Harbin bank lending $30000 to expand production scale, the income of 30000 yuan. Since then, she started to develop vegetable greenhouses, Harbin bank loans to support every year. JiYanBo now has a new 5 vegetable greenhouses, annual family income of nearly 200000 yuan, and built two new homes.