The staff of Qingzhou Rural Commercial Bank visited flower growers.
Reporter Xu Jia.
To accelerate industrial transformation and upgrading, we must accelerate breakthroughs in the field of shortcomings and become bigger and stronger in advantageous areas. In recent years, the Provincial Rural Credit Union has guided the province's rural commercial banks to anchor green, low-carbon and high-quality development, adhere to the market positioning of supporting agriculture and small enterprises, give full play to the role of the main force of rural finance, and promote the upgrading of characteristic industries in various regions with financial strength.
Walking into Luli Village, Huanglou Street, Qingzhou, Weifang, the flowers in the flower greenhouses are blooming brightly, and the garden is full of spring. With a planting area of more than 130,000 mu, more than 3,000 varieties, an industrial brand value of 34 billion yuan, and an annual output value of more than 12 billion yuan, Qingzhou has bloomed into a 100-billion-level industrial cluster. Qingzhou Rural Commercial Bank has formed an indissoluble bond with flowers since the 80s of the last century. As of now, the bank has 230,000 households and enterprises provided credit funds, and the balance of loans accounted for nearly 70% of the total loans to the flower industry.
Develop industrial chain finance.
Strengthen the county's industry to enrich the people.
Focusing on cultivating and expanding the county-level industry to enrich the people, Qingzhou Rural Commercial Bank vigorously develops industrial chain finance, increases support for the entire agricultural industry chain, and provides services covering the whole process of seedling introduction, site renewal, equipment upgrading, warehousing and transportation, and product purchase and sales, and is committed to meeting the diversified financial needs of various business entities of "chain head, chain and chain".
With grid service as the entry point, Qingzhou Rural Commercial Bank relies on the smart marketing system of the Provincial Rural Credit Union to accurately connect and explore the industrial chain credit service model of "company + cooperative + member" and "cooperative + member", support the main body to play a leading role, and help the flower industry to upgrade.
Qingzhou Yatai Agricultural Science and Technology Co., Ltd. belongs to the "chain head" enterprise of cultivating seedlings. In recent years, the company has focused on the hybrid breeding of new varieties, innovated the standardized virus detection system of flower seedlings, and cultivated the "science and technology core" of flowers. According to the characteristics of the enterprise, nearly 10 million yuan of credit was granted to the enterprise. Businesses can borrow as you go, and enjoy preferential interest rates. Fang Shan, account manager of Qingzhou Rural Commercial Bank, said.
With flowers as a medium, promote the industry one after another. Qingzhou Rural Commercial Bank focuses on the first-class industry guidance policy and puts 1200 million yuan to help Yatai Flower Parent-Child Activity DIY Experience Hall, Qianhui Qianzi Succulent Garden, Colorful Succulent Plant Planting Cooperative and other development enterprises to observe and tour the park. At the same time, it helped Shandong Belon Eucommia ulmoides Bioengineering to expand the "plant living fossil" Eucommia ulmoides seedling breeding base to more than 2,000 acres, driving the annual income of farmers around the base to nearly 10,000 yuan. In the past three years, the bank has invested more than 8 billion yuan in loans to the flower industry.
Relying on the power of science and technology.
Precise drip irrigation business entity.
Huanglou Street is the largest flower distribution center in Jiangbei, with 136 flower professional villages and 150,000 employees. Relying on the strength of science and technology, Qingzhou Rural Commercial Bank uses the smart marketing system of the Provincial Rural Credit Union to promote the "non-inductive credit" model of benefiting farmers and the people.
Qingzhou Rural Commercial Bank has built data information into a data model, which is used as the basis for batch credit and lowers the threshold for loan application. At present, the credit coverage of "non-inductive credit" for flower industry households is more than 95%. The bank also does a good job of offline face-to-face services through "sensory feedback" and moves the "counter" to the masses.
In order to achieve precise services, the bank launched the "Smart Flower Sea Project", established the "Flower Bud" file, and tailored the "Flower Bud Blooming" growth plan according to the needs of business entities, so as to provide precise support to the industry.
After graduating from university, Li Qingjiang became a "second generation flower". He looked at e-commerce channels, wrote copywriting, filmed, and did live broadcasts, trying to open an online sales channel. Qingzhou Rural Commercial Bank focuses on the new outlet of "flower + live broadcast", connects with "new farmers", follows up financial services such as payment and settlement, credit delivery, etc., and integrates more "financial genes" into the flower industry.
Those who are virtuous have gains.
The honorary title "loan" comes to real gold**.
In the process of supporting the flower industry, Qingzhou Rural Commercial Bank continues to deepen the cooperative relationship with the first department and the village committee. The honors such as "good people around you", "civilized credit users" and "good rural youths" selected by Qingzhou City for many years will be used as the basis for credit, so that the virtuous can gain and transform civilized credit into real gold. At present, the bank has made a decision on 440,000 urban and rural people who have won different honorary titles have been granted credit15100 million yuan.
In the past few years, there have been more people who have played ball and exercised, read books and newspapers, participated in villagers' self-governance, and become rich through hard work. Liu Xiangsheng, secretary of the party branch of Chijia Village, Huanglou Street, Qingzhou, a provincial-level civilized village, said that the financial + civilized practice model has brought a new atmosphere to the countryside.
Relying on more than 500 business outlets and inclusive financial service stations in urban and rural areas, Qingzhou Rural Commercial Bank has built a financial night school, a lecture hall for civilized practice in the new era, and a volunteer service guidance center, and built a "10-minute civilized practice financial service circle". The brand of the bank's "red vest" volunteer service team has won the advanced model of "four most beautiful (best)" volunteer service of the provincial Lei Feng volunteer service.