Weifang, Shandong： New Finance Promotes Iterative Upgrading of Traditional Agriculture
In recent years, Shandong Banking Insurance Regulatory Bureau has closely focused on the national strategy of rural revitalization and introduced a series of measures to lead the banking and insurance institutions in their jurisdictions to innovate financial service programs and promote the high-quality development of financial services for rural revitalization. In order to show the new exploration, new practices and new achievements of Shandong banking industry in promoting rural revitalization from multiple angles, the "inclusive finance Helping Rural Revitalization" cloud exhibition sponsored by Shandong Banking Association recently entered Weifang.
Weifang is a national base for the production, processing and export of agricultural products. Shouguang vegetables, Weixian radish and Anqiu ginger are well-known in all directions, and it is a well-known "rice bag", "vegetable basket" and "orchard" in China. At the end of 2021, the agricultural loans of Weifang banking institutions reached 497.83 billion yuan, an increase of 74.2 billion yuan in that year, with an annual increase of 17.5%, which became a strong driving force for the revitalization of rural agriculture.
Smart Management Service Platform Makes Shouguang Vegetables Go to the Cloud
With only one mobile phone, vegetable transactions can be connected to the "cloud" online; With only one card and one floor scale, the weight of a cart of vegetables can be accurately calculated and the vegetable money can be transferred to the vegetable farmer’s account in real time. The transaction process is simple, transparent, fast and efficient. Just scan the code, you can realize the visual traceability from the vegetable garden to the dining table, so that the masses can "buy with peace of mind and eat with peace of mind". This is a new change brought by Shouguang vegetable intelligent management service platform of China Construction Bank to Shouguang, the "hometown of vegetables" in China.
In Dongguanguan Village, Shouguang City, Yu Feng, a vegetable farmer, leisurely played with his mobile phone in his yard and accidentally saw the news push, which turned out to be the application news of Shouguang vegetable intelligent management service platform. "This vegetable wisdom platform of CCB has enabled my small business to go online from the vegetable market, and now the sales of fruits and vegetables are much more than before." Old to say.
The cooperative in the village installed a new scale provided by CCB’s vegetable intelligent management service platform. Nowadays, the sea of people is gone. "With this’ smart scale’, there is no need to worry about the constant disputes over the payment of vegetables and the long-term storage of a pile of vegetables as before." Li Futian, a villager, had just driven an agricultural tricycle past the "Smart Scale" when he heard the cooperative staff say, "Cucumber is 240.8 Jin!" At the same time, Lao Li’s mobile phone text message also rang, indicating that he had received a sum of money.
"Digital empowerment makes business more convenient. Shouguang vegetable intelligent management service platform was launched, and vegetable farmers sold vegetables to realize non-inductive transactions. We are mining real-time data of vegetable transactions in the field, providing smarter financial services. " Zhao Bing, account manager of CCB Shouguang Sub-branch, said.
The vegetable intelligent management service platform of CCB has realized "helping the government to manage the market, helping the market to manage transactions and helping vegetable farmers manage greenhouses". By the end of last year, 402 vegetable cooperatives had completed the transformation of the terminal trading system (smart scale) in the vegetable market. Weifang Construction Bank also uses the vegetable platform to promote inclusive finance products. At present, it has granted more than 350 million yuan of agricultural loans and issued 280 million yuan of loans, providing strong credit support and financial guarantee for Shouguang vegetable production, supply and marketing enterprises and farmers.
"Flower Loan" helps the beautiful industry to become bigger and stronger.
Walking into Qingzhou, the hometown of flowers and trees, Liu Yuanliang, a flower grower in Huanglou Street, greeted him with a smile: "It’s really convenient to borrow money for flowers in five minutes, and the interest rate is favorable." He just used mobile banking to borrow 150,000 yuan from Qingzhou Rural Commercial Bank to purchase fertilizer and agricultural materials. It can be seen that he is full of confidence in his business this year.
Qingzhou has the reputation of the first market for flower trading in the north, with an area of 131,000 mu, more than 3,000 varieties, as many as 150,000 employees and an annual turnover of over 12 billion yuan. "Flower Loan" is a series of products tailored by Qingzhou Rural Commercial Bank for flower operators, with a maximum amount of 10 million yuan and a maximum term of 5 years, which can meet the financing needs of flower operators in all aspects such as flower shed construction, material procurement, logistics and transportation. By the end of March 2022, the bank had granted 1.25 billion yuan of credit to more than 4,100 flower operators, of which 3,841 households had used 1.017 billion yuan.
"There are more than 200,000 square meters of flower greenhouses in the village, with a planting area of more than 750 mu and more than 820 employees." Liu Xiangsheng, secretary of Chijia Village in Huanglou Street, said that most growers in the village have a "flower loan" credit line, which directly lends money from mobile banking without collateral or guarantor.
Huanglou Sub-branch is an innovative "Flower Theme Bank" of Qingzhou Rural Commercial Bank, which takes root in the flower industry and constantly innovates according to the needs of flower farmers and the production, management and trading of flowers, so as to realize the full coverage of service products to the whole industry. Zheng Guilin, president of the sub-branch, introduced that the balance of 2,357 retail loans in the sub-branch was 603 million yuan, and most of the loans entered the flower production and operation industry. "With the full support of rural commercial banks, Qingzhou flower industry is blooming everywhere." Wang Xinguo, president of Qingzhou Flower Industry Association, said with emotion.
"Prefabricated dishes" enrich the new connotation of "Zhucheng model"
From the integration of trade, industry and agriculture, leading enterprises to drive the industrial chain, to the famous "Zhucheng model" in China, Zhucheng attaches great importance to integrating superior resources, guiding the development of the whole industrial chain of leading enterprises, and is committed to building a smart industrial chain from planting and breeding to processing and production, platform services, logistics and distribution, and catering terminals. Weifang Branch of ICBC efficiently connects the agricultural industrial chain with innovative customized products, and inclusive finance has become an accelerator for rural industrial upgrading.
Since last year, the concept of "prepared dishes" has been popular all over the country. From the Beijing Winter Olympics to thousands of households under the epidemic situation, behind the subtle changes from "vegetable basket" to "vegetable plate" is a modern agricultural industrial chain integrating planting, breeding and processing to catering terminals. As the head enterprises of agricultural and sideline products processing industry in Shandong, Delis Group and Huifa Food Company started early in the field of prefabricated vegetables. While establishing the supply chain of ingredients downstream, they accurately guided the upstream to carry out planting and breeding, and developed wisdom, ecology and order agriculture, which has become the "central link" in the industrial chain of "prefabricated vegetables". It is under this background that the Shandong prefabricated vegetable industry alliance was established in Zhucheng in February 2022.
In the production workshop of Delis Group Co., Ltd., a variety of ready-to-eat and instant pre-cooked vegetable products are continuously off the assembly line, and workers are busy packing and packaging. According to Zheng Simin, the chairman of the group, the competition of prefabricated dishes is brand, quality and innovation ability. "For prefabricated dishes, consumers are generally concerned about whether the taste, perception and nutrition can be organically unified, which requires the support of innovative research and development." Delis has a national technical center, and more than 30 R&D personnel specialize in the research and development of prefabricated dishes, and their main meat products are at the forefront of the industry.
There are still many leading agricultural enterprises like Delis in Zhucheng. In 2021, ICBC issued loans totaling 1.112 billion yuan to leading agricultural enterprises such as Delis, Huifa and Dong Xiao Bio, and the upstream industrial chain, which directly or indirectly drove more than 40,000 farmers, forming the power source for leading enterprises to promote agricultural industrialization and rural revitalization. Among them, Delis Group and Huifa Food granted loans totaling 448 million yuan, and their business types involved working capital loans, import letters of credit and bank acceptance bills.
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