The staff of Zaozhuang Rural Commercial Bank learned about the production and sales of pomegranate bonsai on the spot.
Reporter Xu Jia.
Correspondent: Wu Chenggang, Wu Chen.
After the drizzle, everything sprouts. In the "Jubaozhai" bonsai garden in the pomegranate industrial park of Zaozhuang City, Wang Luxiao, the owner of the garden, is bowing down to change the potting soil for the pomegranate bonsai. At the beginning of this year, our province issued the "Opinions on Supporting the High-quality Development of Zaozhuang Pomegranate Industry", making it clear that by the end of 2026, the pomegranate planting area in Zaozhuang City will be stable at more than 120,000 mu, more than 400,000 pomegranate bonsai potted plants in the garden, and the total output value of the pomegranate industry will reach 6 billion yuan. Under the guidance of the Provincial Rural Credit Union, Zaozhuang Rural Commercial Bank has made efforts to help Zaozhuang pomegranate industry upgrade with new financial practices.
Targeted precision service.
Cultivate high-quality new agricultural business entities.
After 60, Wang Luxiao placed his affection on bonsai production, he paid attention to grafting cultivation and stereotyping technology, some bonsai should first plant pomegranate stumps to the ground, "stocking" for 1 to 3 years or even more than 5 years, the price of pomegranate bonsai also ranged from a few hundred yuan to tens of thousands of yuan, with annual sales of more than 300,000 yuan.
The development and growth of the pomegranate bonsai industry is inseparable from the strong support of the financial industry. In recent years, Zaozhuang Rural Commercial Bank has organized the formulation of the "Zaozhuang Rural Commercial Bank Pomegranate Industry Comprehensive Financial Service Plan" in accordance with the deployment requirements of Shandong Rural Credit Union, actively connected with the local pomegranate bonsai industry association, obtained the list of more than 200 pomegranate bonsai operators within its jurisdiction, fully implemented the pomegranate bonsai and pomegranate root carving customer point-to-point docking package, provided a full range of financial services in a timely and accurate manner, and innovatively launched a special loan for "mortgage agriculture" in view of the fact that the pomegranate bonsai production cycle is long and the effect is slow. Appropriately extend the term of use of credit funds and reduce the cost of renewal.
At the same time, the bank vigorously supports the construction project of bonsai bonsai demonstration garden, supports high-standard planning, high-starting point construction and high-quality bonsai bonsai production, display and sales garden, etc., and contributes financial strength to polishing the brand of "China's pomegranate bonsai capital". During this period, the bank issued a total of more than 2,000 yuan of pomegranate bonsai bonsai loans, boosting the annual output of 200,000 pomegranate bonsai potted plants.
Extend the industrial chain.
Promote the development of deep processing.
In the production workshop of Zaozhuang Haishihua Bee Industry, the integrated filling equipment is running non-stop. "There are still a lot of bulk orders before the Spring Festival, and we are catching up with the progress. Zhou Guanglei, general manager of the company, introduced that the company produces pomegranate honey, which sells well all over the country and is also sold to Japan, South Korea, Canada and other countries.
At the same time as the scale of the enterprise expands, Zaozhuang Rural Commercial Bank also takes the initiative to provide front-line services, door-to-door docking, establish a contact point system, and formulate exclusive financial service plans for enterprises in a timely manner according to the needs of enterprises, and make overall pre-credit of 2 million yuan.
Yan Hui, a villager who lives in Dongbailou Village, Durian Yuan Town, Zaozhuang City, said: "When we urgently needed 200,000 yuan to renovate the 'pomegranate pancake' processing workshop, it was the Rural Commercial Bank that helped us solve the financial problem. With the increasing orders for pomegranate pancakes, Yan Hui temporarily encountered working capital problems in the process of equipment transformation. When the "Pomegranate Industry Service Team" of the Yicheng Branch of Zaozhuang Rural Commercial Bank visited the enterprise, it opened the "mobile finance" service on the spot and handled the required loans for it on the same day.
Focusing on the strategy of "vigorously supporting rural revitalization and ensuring that new loans are mainly invested in the 'three rural' and small and micro fields" proposed by the Provincial Rural Credit Union, Zaozhuang Rural Commercial Bank actively supports the development of deep processing and innovative leading enterprises in the pomegranate industry, and organizes the formulation of a "one household, one policy" financial service plan; Actively connect with relevant departments to help leading enterprises and farmers form production and marketing interactions, and drive the pomegranate industry into the "fast lane". As of the end of 2023, the balance of the bank's agriculture-related loans reached 960.7 billion yuan, accounting for 38 percent of the balance of loans13%。
Optimize the drive of cultural tourism.
Polishing the business card of pomegranate culture.
In the past two years, the public's travel has mainly been short- and medium-haul tours and local tours, which has led to the improvement of our accommodation services. Zhang Lifeng, head of the business research department of Zaozhuang Yuelv Tourism Management, said that the company relies on the natural landscape of Zaozhuang Pomegranate Park to organize and carry out a series of activities such as cultural and artistic exchanges and leisure tourism. With the continuous development of business, the company urgently needs 1.5 million yuan of working capital. After understanding the situation, Zaozhuang Rural Commercial Bank organized its subordinate Yicheng sub-branch to optimize the business process and handle the required loans for them on the spot, which solved their urgent needs.
Through the unique resources of the pomegranate park and preferential financial policies, we allow customers to better experience the local folk customs. He Tao, the person in charge of Shandong Yunshen General Aviation Service, said that the company is in urgent need of 2 million yuan of working capital, and the personnel of Zaozhuang Rural Commercial Bank in the enterprise learned of the situation, opened the green channel, and helped it organize the declaration materials for the first time, and completed the approval and credit on the same day.
Under the guidance of the Provincial Rural Credit Union, Zaozhuang Rural Commercial Bank deeply excavated the cultural connotation of "pomegranate industry", comprehensively used special loan products such as "supporting loans for infrastructure projects" and "cultural tourism loans", and vigorously cultivated new business formats such as pomegranate industry tourism; Organize the establishment of a leading group for the development of the pomegranate industry, and formulate targeted financial service plans for the first time; Improve the supervision and incentive mechanism, and implement the list of special services and assessment system for the pomegranate industry. Up to now, the balance of the bank's physical loans is 2026.7 billion yuan, an increase of 8 from the beginning of the year2.2 billion yuan, an increase of 4 percent year-on-year500 million yuan.