Luwang, February 28The high green in early spring, the clouds are light and the wind is light.
On February 26th, located in Gaoqing Chengxin Mushroom Science and Technology Co., Ltd., located in Qingcheng Town, in the constant temperature mushroom breeding room, countless mushroom bottles were neatly arranged, clusters of fresh and tender enoki mushrooms grew gratifyingly, and the workers were busy picking and packaging enoki mushrooms.
The company is a collection of edible fungus planting, research and development, sales in one of the agricultural industrialization "municipal key leading enterprises", built a modern constant temperature edible fungus production workshop 1More than 60,000 square meters, with an annual output of 5,000 tons of enoki mushrooms. From mixing to bottling, sterilization, cooling, inoculation, culture, fungus scratching, and mushroom cultivation, each workshop has realized fully automatic digital control, seamless production, and a production cycle of about 50 days, so that mushrooms can be produced every day.
Workers are busy weighing and packing enoki mushrooms.
At present, the company has recruited more than 50 rural laborers from the surrounding villages of Qingcheng Town, Gaoqing County, turning them from traditional farmers to professional workers, and achieving doorstep employment. In addition, the corn cob produced by purchasing more than 30,000 acres of farmland every year is used as the main raw material, which allows farmers to partially increase their income and contribute to rural revitalization. On February 19, at the Gaoqing County "Implementation Breakthrough Year" activity and entrepreneur conference, Chengxin Fungi Industry was rated as an excellent enterprise for rural revitalization and was commended.
As early as 2004, the company began to factory production of enoki mushrooms, when the annual output was only 300 tons, the plant area was only 1200 square meters, after 20 years of development, the company has embarked on the road of healthy and stable development, but the trouble of shortage of funds will bring trouble to the enterprise from time to time.
Shi Lingjun, the company's production supervisor, said that the industrial production of enoki mushroom has the characteristics of capital intensive and technology intensive, so many years of development, from the expansion of scale to equipment upgrading to the improvement of technical level, requires continuous capital investment, in order to enhance market competitiveness. In 2021, Qishang Bank provided 2 million yuan of "Spring Breeze Qixin Loan" to the enterprise for the construction of enterprise plants and the acquisition of raw materials, etc., and last year the company applied for a 2 million entrepreneurial guarantee loan from the bank, which provided favorable financial support for the company's equipment upgrading and technology research and development, which was of great help to improve the quality of enoki mushrooms, increase production and efficiency.
The staff of Gaoqing Branch of Qishang Bank (left) went to the enterprise to provide post-loan services.
According to Yang Chao, President of Gaoqing Branch of Qishang Bank, the bank adheres to the development concept of "based on Gaoqing, rooted in Gaoqing, and serving Gaoqing", fully supports the development of Gaoqing's pillar industries, characteristic industries, and leading enterprises, and actively contributes to rural revitalization, with a total of 128.4 billion yuan, and the bank will add 2 new agricultural loans before the Spring Festival in 20241.5 billion yuan.
Zibo Yijun Agricultural Development Co., Ltd., located in Boshan District, is a provincial key leading enterprise in agricultural industrialization specializing in the production and sales of enoki mushrooms, and in 2022, Qishang Bank issued a "technical transformation loan" of 10 million yuan to it, which timely solved the financial problems encountered by enterprises in production expansion and technological upgrading. The company also drives the surrounding people to increase their income and get rich by providing jobs, raw materials and other forms.
Whether it is a "Spring Breeze Qixin Loan", a "Technological Transformation Loan", or a start-up guarantee loan, there is a common feature, there is no need to pledge.
For a long time, the lack of effective collateral has been a shortcoming in the financing of agricultural-related enterprises and farmers, which restricts the rapid development of rural industries.
Qishang Bank not only recommends suitable products to enterprises in demand, but also focuses on the difficulties of agriculture-related finance, and specializes in developing a variety of financial products with the heart of craftsmen to better solve the problems of rural finance.
For example, based on local characteristic industries, it has successively launched black cattle loans, winter date loans, lobster loans, Dapeng loans, etc.; New loan products such as farmer loans, photovoltaic loans, loans for new agricultural business entities, and shed loans have also been released; As early as 2021, Qishang Bank also flexibly used the non-standard collateral guarantee method to issue the first forest right pledge loan ......in Zibo City after the establishment of the Zibo Municipal Bureau of Natural Resources and PlanningA series of innovations in agriculture-related financial products have provided a powerful financial foundation for rural revitalization.
The road to rural revitalization is boundless, and the road ahead for cohesive development is promising. Step by step, Qishang Bank takes the real demand of "three rural" as the starting point of financial innovation, and accurately irrigates the rural land with financial "living water", so as to truly achieve "demand is in the first place, and the service is in the first place".
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 in the next step, Qishang Bank will implement the decision-making and deployment of party committees at all levels, actively integrate into and deeply serve the city's agricultural and rural markets, and make new and greater contributions to promoting the comprehensive revitalization of the countryside and helping the development of Zibo. (Reporter of this website).