Luwang, February 28If the nation is to be rejuvenated, the countryside must be revitalized. Since last year, Qishang Bank has insisted on serving rural revitalization as the focus of the bank's business work, actively integrated into the new pattern of rural revitalization and development, and focused on the "five revitalizations".
The plan of the year lies in the spring.
On the morning of February 26, He Chenhao, deputy general manager of Gaoqing Yuanhang Animal Husbandry Development, began to be busy interviewing candidates. "I plan to recruit some new breeders and managers" to meet the needs of the rapid development of the enterprise.
Gaoqing Black Bull has become famous in recent years and has become a shining business card of the local area. As a leader in the black cattle industry, the company, which was founded 5 years ago, has achieved extraordinary results in mid-to-high-end beef production, genetic material research and development, and production, and is expected to achieve sales of 1200 million yuan. Moreover, the company has driven the increase of farmers' income and the healthy and rapid development of the regional black cattle breeding industry through the employment of enterprises and the call on farmers to participate in the "raising mothers and calves" project, which has effectively promoted rural revitalization.
The current herd is about 4,000 black cattle, and our goal in the next 2 to 3 years is to raise 6,000 heads", He Chenhao said, the black cattle industry is profitable, but the cost is also high, "In the 28-month growth cycle, the breeding cost of a black cattle is about 4."50,000 yuan", which means that whether it is to expand the scale of breeding, the purchase of feed or new specialized equipment, the demand for funds is relatively large, "in December last year, I just applied for a loan of nearly 10 million yuan from the Gaoqing branch of Qishang Bank for the construction of cattle sheds, etc., which alleviated the financial problems of enterprises."
The key to rural revitalization is industrial revitalization; Finance is indispensable for industrial revitalization. Qishang Bank continues to innovate agriculture-related financial products, enrich financing models, focus on supporting the development of regional characteristic industries, and develop Gaoqing's "black cattle loan" and "lobster loan" and other characteristic businesses, and has invested nearly 400 million yuan in total. In addition to supporting the black cattle and crayfish industries, Gaoqing's tomatoes, Weifang's vegetables, and Yiyuan's apples ......According to the characteristic agricultural business model in various places, Qishang Bank has specially created characteristic credit products, and formulated financial service plans for "one county, one product" or even "one town, one product" to support the collection and exhibition of rural characteristic industries. Up to now, Qishang Bank has designed more than 20 "characteristic loans" for local characteristic industries, targeting characteristic industries.
At the launching ceremony of the large-scale interview activity of "Rural Revitalization Town and Village Bank" held on February 27, Li Yong, deputy secretary of the Party Committee of Qishang Bank, said that while carrying out comprehensive financial work, Qishang Bank continued to increase its efforts in rural revitalization, and at the end of 2023, the balance of agriculture-related loans under the jurisdiction of Zibo City of Qishang Bank reached 17.7 billion yuan, especially continued to increase the tilt of resources in the county, and the balance of agriculture-related loans in Gaoqing County alone reached 41600 million yuan, an increase of 26% over the previous year, and last year's new investment accounted for nearly 80% of Qishang Bank's new investment in the city.
Why does this bank have a soft spot for the countryside?
It is the feelings, but also the responsibility, which allows Qishang Bank to frequently play a financial combination to promote the acceleration of rural revitalization.
In addition to supporting industrial revitalization, in terms of focusing on the revitalization of cohesive organizations, talents, ecology and culture, Qishang Bank has also taken various measures to effectively dredge the blockages and pain points in the process of rural revitalization, and solve a series of bottlenecks such as lack of rural financial resources, slow financing for agricultural development, and serious hollowing.
In Beifengshui Village, Zhangdian District, there is an inclusive financial service station. This is a rural financial service point jointly established by Qishang Bank and the property in the village. Since the establishment of the service station in April 2021, the elderly in the village have been able to withdraw and remit money at their doorstep, and no longer have to go to the town to handle similar financial services.
Originally, in order to solve the problem of small coverage and short service radius of rural outlets, since 2021, Qishang Bank has vigorously developed inclusive financial service stations in rural areas to broaden the breadth of benefiting farmers, and the sites have realized three major functions: cash business, credit business, and people's livelihood business, such as small withdrawal, transfer and remittance, scanning code consultation and loan, assisting the whole village credit, water, electricity and heating and other online payments, so that the majority of rural residents can obtain safe and convenient modern financial services. The construction of inclusive financial service stations is a vivid practice of Qishang Bank's service sinking and accelerating the layout of the "three rural" fields.
In terms of ecological revitalization, it has taken the lead in implementing green financial products such as forest right mortgage loans, rural land contract management right mortgage loans, and "carbon delivery loans" and "photovoltaic loans for farmers". In terms of organizational revitalization, the "party building + finance" service model was innovated, the characteristics and scenarios of the financial business of rural revitalization were realized, and the cooperatives led by the party organizations were the service objects, and the linkage model of bank-to-bank cooperative support for agriculture was innovated; In terms of talent revitalization, we will introduce and train professionals in the "Three Rurals", and provide professional financial services ...... for outstanding local talents through products such as "Talent Loan".Qishang Bank is taking practical actions not only to deliver inclusive financial policies and financial products benefiting farmers to the fields, but also to deeply cultivate the fertile soil of the "Three Rurals", gradually improve the rural financial service system, and continue to empower common prosperity with high-quality financial services.
Financial support for rural revitalization is a big article. In the future, Qishang Bank will continue to take rural revitalization as the top priority of the bank's business operation, fully support the implementation of Zibo's "14th Five-Year Plan" to promote agricultural and rural modernization, truly integrate into the rural areas with heart and soul, and constantly explore innovative new financial service models to draw a new picture of rural revitalization. (Reporter of this website).