Author: Fuyang Yinghuai Rural Commercial Bank, Zhang Fan, Hu Jindi
Editor: Jia Dandan
Flower viewing, horseback riding, barbecue, research, camping, team building ......These scenes that frequently go out of the circle in the circle of friends, Douyin, and Xiaohongshu have made the Era Farm in Yingzhou District, Fuyang City, Anhui Province popular.
Located near the West Lake Scenic Area in Yingzhou, Era Farm is a comprehensive cultural tourism project that can be used for quality development, research and popularization, ecological tourism and agricultural tourism. In the distance, the blue waves of Yingzhou West Lake are rippling, and the afterglow of the sunset is sprinkled on the surface of the lake, sparkling;The nearby farms are crowded with tourists, laughing and laughing one after another.
The scenery here is beautiful, the local vegetables are fragrant, the air is good, and adults and children have a lot of fun. Ms. Zhang, who was playing at the Epoch Farm, said happily. No one would have thought that the Era Farm, which covers an area of more than 500 acres, was an abandoned industrial and mining land in the past, and the land was low-lying and uneven, making it difficult to develop traditional planting industry. In 2015, Zeng Yamin, a young rural entrepreneur who returned to his hometown to start a business, saw a business opportunity in this wasteland. Seizing the opportunity of the development of the rural cultural tourism industry, Zeng Yamin contracted this large depression to carry out greening hardening and landscape building according to local conditions, planting landscape plants such as pear blossoms, peach blossoms, moon seasons, and roses, and reasonably planning regional sections such as pastoral scenery, ecological agriculture, and parent-child activities. The children's playground and research base built in supporting facilities attract a large number of tourists from the city on weekends and holidays.
The depression that no one cared about in the past has been transformed into a tourist highland, and it is not smooth sailing behind the gorgeous turnaround.
A few years ago, due to the shortage of funds, the development of the Epoch Farm encountered unprecedented difficulties, once on the verge of bankruptcy, thanks to the help of our Yinghuai Rural Commercial Bank, in the most difficult time during the epidemic, Yinghuai Rural Commercial Bank sent charcoal in the snow, and gave 5 million yuan of credit credit, so that we survived the difficulties. Zeng Yamin, the person in charge of the Epoch Farm, introduced, "In the past two years, the development of the farm has become more and more prosperous, and the scale has been expanding. This time, according to the development plan of the farm, the credit has been increased to 6.5 million yuan, and the start-up funds for our next step to focus on building research tours and boutique tour projects are more sufficient. ”
In recent years, Yinghuai Rural Commercial Bank has been focusing on the needs of private small and micro enterprises and the real economy, and has continuously done financial consulting work from the three aspects of "capital + resources", "demand + supply" and "product + service", and has strived to solve the problems of poor information transmission, poor financing channels and single financial services, so as to ensure that financial services serve market entities more accurately and efficiently. As of November 2023, the bank has 22 financial advisers for cooperative enterprises under its jurisdiction, solving more than 20.5 billion yuan.
Take "capital + resources" as the starting point
Promote credit funds to actively connect with enterprise resources
First, strengthen organizational leadership. The bank has set up a special class for financial consulting with the secretary of the party committee and the chairman of the board of directors as the person in charge, coordinated the overall promotion of the bank's financial advisory work, and selected branch presidents with strong political skills, outstanding business and rich experience as corporate financial consultants, so as to better gather human and credit resources.
The second is to adhere to the purpose and positioning of agricultural business. Implement and transmit the business philosophy of "being small and scattered", continue to increase the provision of inclusive credit for small and micro enterprises below 5 million, and ensure that new credit funds are accurately drip irrigated to various market entities.
The third is to increase support in key areas. We will increase support for industrial projects such as specialization, refinement, special innovation, green science and technology, energy conservation and environmental protection, and give priority to credit funds in key areas and weak links such as inclusive finance, rural revitalization, and small and micro "three rural", so as to promote credit funds to better match enterprise resources.
Guided by "demand + supply".
Promote financial supply to fully meet the needs of enterprises
The first is to strengthen the self-construction of financial advisers. Supervise and urge the financial advisory team to strengthen the Xi of business operation and enterprise management, ensure that they are familiar with the financial policies and various business knowledge, and have an in-depth understanding of the production and operation of the enterprise and the development prospects of the industry, so as to better serve the enterprise.
The second is to strengthen the performance of financial advisers. Formulate measures for the management of financial advisers, and link the performance of duties with individual performance;Promote the sinking of financial consultants, work in enterprises for no less than two and a half days a month, go deep into enterprises to publicize financial service products and policy tools to benefit enterprises, and record and actively solve the financial needs of enterprises in a timely manner.
The third is to strengthen the pairing and co-construction of banks and enterprises. Yinghuai Financial Consultant Studio was established in the cooperative enterprise to select and strengthen financial consultants for enterprises, realize the disclosure of financial consultants' names and service contents, strictly implement the "1+N" working mechanism of financial consultants, and accompany the long-term development of enterprises in the whole chain and process. At present, the bank has set up 15 Yinghuai financial consulting studios in the enterprises under its jurisdiction, and enterprises can enjoy financial services without leaving home.
Guaranteed by "product + service".
Promote the quality and efficiency of finance to better serve the development of enterprises
The first is to accelerate the innovation of credit products. Since the beginning of this year, according to the needs of enterprises fed back by financial consultants, the bank has successively launched credit products such as "government procurement loan" and "bid-winning loan" for small and medium-sized enterprises that have won bids in procurement activities, and issued loans to bid-winning enterprises in a pure credit manner, effectively meeting the working capital needs of enterprises during the performance of bid-winning contracts.
The second is to open up a green channel for financial services. In order to connect with enterprises, we will set up financial services**, answer all kinds of financial needs in a timely manner, open up exclusive green channels, simplify the credit business process, and complete the settlement of inclusive small and micro loans within 3 days, so as to minimize the financing cycle of enterprises.
The third is to promote the effective superposition of financial services. The bank's financial consultants help enterprises to tailor financing plans based on their operating conditions, and guide enterprises to flexibly use intellectual property rights, warehouse receipts, accounts receivable, etc. to make mortgage loans, so as to better supplement the channels of funds. At the same time, we will strengthen the publicity of various policy tools and fee reduction and interest concession policies to help enterprises reduce financing costs and ensure that policy dividends can be enjoyed to the fullest. As of the end of November 2023, the bank's interest rate on inclusive small and micro enterprise loans decreased by 054 percentage points, saving more than 20 million yuan in financing costs for enterprises.
* China Cooperation Times, Rural Finance.
Producer: Cai Liang, Editor: Jia Dandan.