On the occasion of the Lunar New Year, the cultural auditorium of Linghu Town, Nanxun District, Huzhou City, Zhejiang Province is full of New Year's flavor, and there are ...... "village evenings", family banquets, and wedding eventsOne activity after another, the villagers were overwhelmed. The rural cultural hall is a major cultural feature of Zhejiang, and it is also the product of the "Thousand Village Demonstration and Ten Thousand Village Renovation" project in Zhejiang.
Behind it, it is inseparable from the financial support and assistance of IB. In 2022, in response to the call of the "Ten Million Project", Huzhou Lingshuo Agricultural Development plans to acquire the franchise rights of 25 village halls in Linghu Town, Nanxun District, Huzhou, and build them into rural "five-star hotels". The Hangzhou Branch of Industrial Bank immediately docked, conducted on-site research and visits, and finally put 2A loan of 700 million yuan will ensure the smooth progress of the renovation and upgrading of 25 cultural auditoriums and further enrich the spiritual and cultural life of the countryside.
A few days ago, the "Opinions of the Communist Party of China on Learning and Using the Experience of the "Thousand Village Demonstration and Ten Thousand Village Renovation" Project to Effectively and Effectively Promote the Comprehensive Revitalization of the Countryside was released, which is the 12th document to guide the work of "Three Rurals" since the 18th National Congress of the Communist Party of China. IB conscientiously implements the spirit of Document No. 1, learns and applies the experience of the "Ten Million Project", promotes mechanism innovation, product innovation and service innovation, and helps create a unique model of rural revitalization according to local conditions, so as to inject more financial water into the construction of Fumei Village. By the end of 2023, the balance of IB's agriculture-related loans exceeded 660 billion yuan.
Build a solid "ballast stone" for food security
The seed industry is the "chip" of agriculture. As an important crop seed breeding base in China, nearly 30,000 new crop varieties have been obtained through southern breeding, accounting for more than 70% of the new varieties approved in the country. Seed R&D has high scientific and technological content, with the characteristics of high added value and high capital investment, due to the high risk of R&D, R&D enterprises generally have the characteristics of light assets and no traditional collateral, and face financing difficulties.
Hainan Jiushenghe Academy of Agricultural Sciences is a key leading enterprise in agricultural industrialization in Hainan Province. In order to support the R&D of enterprises, IB uses the "technology flow" evaluation system to examine the quantity and quality of intellectual property rights, the intensity of invention patents, the strength of scientific research teams, scientific and technological qualifications, awards for scientific and technological innovation achievements and other scientific and technological innovation capabilities, and issues loans of 22 million yuan to enterprises to fully support the capital needs of R&D, production and sales.
From seed industry security to food security, IB's financial services have covered the entire industrial chain from seed industry research and development, land circulation, planting, warehousing and processing, and circulation, safeguarding food security with the power of finance and continuously improving the quality and efficiency of financial services.
In Fujian, IB and the Fujian Provincial Department of Agriculture and Rural Affairs jointly launched the "IB Grain Loan" financial service program, which provides a credit line of up to RMB 5 million and preferential loan interest rates to farmers, family farms, farmer cooperatives, agricultural enterprises, agricultural socialized service organizations and other entities in Fujian Province that grow grain and are engaged in grain production, circulation and service.
In Henan, the granary of the Central Plains, IB actively provided financial support for grain collection and storage, and launched special loans for grain reserves, so as to ensure that "grain is waiting for grain in warehouses and money is waiting for grain", ensuring "one hand of grain and one hand of money", and making every effort to protect the people's "grain bags". It has been 7 years since the first business was launched. Over the past seven years, IB has always adhered to the principle of "early deployment and early action", given full play to its professional advantages, continuously focused on it, and has provided nearly 3 billion yuan of special loans for grain reserves for grain storage enterprises in Henan Province.
Inject new momentum into industrial revitalization
Our bacon, smoked by ourselves, safe and assured, golden in color, salty and fragrant in taste, full of chewiness, now the live broadcast room orders are full of 4 catties, and 6 large bags of dried radish are ......In the live broadcast room of Hengyang Juwei Baopen Food***, the anchor interacted with fans while cutting bacon, attracting a large number of bacon lovers to place orders and buy.
With the rise of live streaming, enterprises are also facing the trouble of happiness - production cannot keep up with sales, and it is urgent to expand the scale, but the lack of funds makes Mr. Zhang, the person in charge of the company, very anxious. After learning about the situation of the enterprise, IB immediately sent people to conduct a door-to-door investigation, tailored the best business plan for the enterprise, opened up a green channel, simplified the business process, and quickly issued a loan of 8 million yuan to help the enterprise to help farmers, which solved the capital gap of the enterprise and promoted the enterprise to expand production in a timely manner, with a single-day sales volume exceeding 600,000 yuan and an annual sales volume of more than 200 million yuan.
Rural revitalization and industrial prosperity are the key. In August 2023, IB established a working system for financial correspondents, allowing financial correspondents to work as financial consultants and financial advisors to enterprises, build a bridge between financial institutions and enterprises, enterprises, villages and the masses, and strive to open up the "last mile" of financial assistance to the revitalization of rural industries, and explore financial service models with IB characteristics according to local conditions.
In Suzhou, IB Suzhou Branch signed a comprehensive strategic cooperation agreement with Suzhou Yangcheng Lake Hairy Crab Industry Association, and the "iron footboard" of IB's financial correspondent ran all over the member units of Yangcheng Lake Hairy Crab Industry Association. "With the financial support of IB, we can introduce advanced breeding technology and equipment to further improve the level and efficiency of breeding, so that the quantity and quality of hairy crabs are larger, the quality is better, and the benefits are better. At the beginning of January this year, Zhang Jiawei, the financial commissioner of the Suzhou Branch of Industrial Bank, went to the special aquaculture industry park of Yangcheng Lake Modern Agricultural Industrial Park in Suzhou City for many times to investigate the financing needs of enterprises and aquaculture, and provided 50 million yuan of credit support for enterprises, and did a good job in the financial backing of enterprise development, which was well received by the person in charge of the enterprise.
The wholesale market of agricultural products is the main channel and main format of China's agricultural product circulation, which connects the fields at one end and the dining tables of thousands of households at the other end, and plays an important role in connecting production and demand, promoting agricultural income, and ensuring supply and stabilizing prices. IB has issued special policies and guidelines, innovated financial service models, supported the construction of wholesale markets for agricultural products, and helped the steady development of the "vegetable basket" project.
In Hubei, in November 2023, Shouheng City (Hubei Shouheng International Agricultural Products Trading Center), known as the "agricultural product distribution aircraft carrier", was officially put into operation, and IB provided a loan of more than 2.2 billion yuan for the project, fully supporting the construction of the agricultural product wholesale market and ensuring the timely completion of the super "vegetable basket" in Central China.
At the same time, in order to solve the shortcomings of the traditional agricultural wholesale market, such as low degree of intensification, heavy workload and lack of unified planning, IB has developed the "Smart Agricultural Wholesale System" to provide digital solutions for market managers and merchants in the market to facilitate market transformation.
For the industry to prosper, leading enterprises are the key. IB gives full play to its advantages of "commercial bank + investment bank", continuously increases financial support for leading agricultural enterprises, improves product adaptability, effectively drives the healthy development of the upstream and downstream industrial chain of agriculture, and leads the revitalization of rural industries to accelerate.
In Gansu, recently, Lanzhou Branch of Industrial Bank, as the joint lead underwriter, underwrote 800 million yuan of rural revitalization notes for Gansu Yasheng (Industrial) Co., Ltd., a key leading enterprise in national agricultural industrialization, to help enterprises become bigger and stronger, and effectively promote the development of forage planting and the increase of income of farmers and herdsmen.
According to reports, at present, IB has established a modern agricultural financial service system covering key modern agricultural industrial parks, key advantageous and characteristic industrial clusters, and key leading enterprises in agricultural industrialization, explored financial service models such as "leading enterprises + farmers", and increased financial support for the industrial chain of regional integrated agricultural groups and leading food processing enterprises, so as to effectively drive farmers to increase production and income.
Poverty alleviation is not without assistance
Nanping Municipal and County is located in the mountainous area of northern Fujian, is the first Soviet county and the old revolutionary area, economic development was once in the "tail of the province", was one of the 23 provincial poverty alleviation and development key counties in Fujian Province. Today's Zhenghe County is thriving, and the road to common prosperity is getting wider and wider.
This is inseparable from the help of IB for more than 10 years. As the only national joint-stock bank rooted in Fujian, IB has been linked to Zhenghe County since 2012, with a total donation of nearly 50 million yuan and loans of more than 1 billion yuan.
Poverty alleviation is not the end, but the starting point of a new life and new struggle. IB strictly implements the requirements of the "Four No-Picks", adheres to the public commitment of "Four Unchanged" of unchanged goals, unchanged policies, unchanged teams and unchanged assessments, and consolidates and expands the effective connection between the achievements of poverty alleviation and rural revitalization.
At the end of 2022, IB Zhenghe Sub-branch was officially opened, becoming a new fulcrum for IB to serve the development of Zhenghe County. After the establishment of the sub-branch, it actively served the economic and social development of Zhenghe County, and promoted the integrated development of banks and enterprises and served rural revitalization through the joint construction activities of red partners and the establishment of the "Financial Section Special Work Service Station".
Document No. 1 of 2024 emphasizes that to ensure that there is no large-scale return to poverty, state-owned financial institutions will increase financial support for key counties for national rural revitalization. As a systemically important bank in China, IB has always adhered to the people-centered development philosophy, regarded serving rural revitalization and achieving common prosperity as an important political task and a new space for strategic development, established the "Leading Group for Consolidating Financial Poverty Alleviation Achievements and Rural Revitalization" led by the "top leader", set up a first-level department, the Rural Revitalization Department, drawn up a "planning map" and "road map" for high-quality rural revitalization, and promoted high-quality and efficient agriculture, livable and workable rural areas with high-quality and characteristic rural revitalization financial services. The peasants were rich and prosperous.