Chongqing sees hope | Postal Savings Bank Chongqing Branch fully supports the development of new agricultural business entities–Shijie.com

In Fangyin Village, Baisha Town, Jiangjin District, in a flat paddy field, one person operated a large rice transplanter back and forth, and rows of rice seedlings fell into the field in an orderly manner; in another paddy field not far away, a plant protection drone was flying Walking at low altitude, dragging its long tail to evenly spread herbicides in the rice fields; a large tractor attached to a ridge equalizer is busy simultaneously in a strip planting field where sweet potatoes are interplanted with sorghum. Wherever the machine goes, there are rows of high and low furrows. Instantly formed.

Plant protection drone spreads herbicide in rice fields

“In our place in Jiangjin, it is still not easy to realize full-scale mechanization of agriculture.” Who said this was Qiu Benping, leader of Jiangjin District Chengzhi Agricultural Professional Cooperative. Under his leadership, local traditional agriculture has realized full-scale mechanization. change.

Farmers use rice transplanters to cultivate crops

In 2017, Qiu Benping and four farmers established the Chengzhi Agricultural Professional Cooperative in Jiangjin District, Chongqing. Based on the rice, sweet potato, and sorghum planting demonstration base, they focus on researching the modernization and intelligence of mountain agriculture, and are committed to exploring a path that meets the characteristics of hilly and mountainous areas. The road to the development of agricultural mechanization.

However, due to the large initial investment and the slow return of funds, and the purchase of large agricultural machinery requires a large amount of capital turnover, the cooperative was once short of funds. It had no other financing channels except self-raised funds, and Qiu Benping was very unfamiliar with bank loans. When there was nothing to do, the financial support from the Postal Savings Bank of China Chongqing Jiangjin Branch solved the urgent need. After learning about its financial difficulties during daily visits, the bank’s staff visited the bank several times to learn about its operations and put forward personalized solutions based on actual conditions. After careful verification and accounting, the bank quickly injected the first financial support. “Although cooperatives have almost no collateral, they have good prospects for agricultural modernization and intelligence, especially in terms of re-employment of surrounding farmers. We have the ability and responsibility to help them tide over the difficulties.” Relevant person in charge of Postal Savings Bank Chongqing Jiangjin Branch express.

Staff from Postal Savings Bank Chongqing Branch visited farmland to learn about crop planting conditions

With the support of the Postal Savings Bank of China, Chengzhi Agricultural Professional Cooperative has been equipped with 40 large and medium-sized agricultural machinery (sets) for plowing, planting, management, harvesting, and preliminary processing, with 13 operators, and the annual operating service area reaches more than 12,000 acres, achieving Developed large-scale and mechanized operations. In 2023, it was rated as a municipal innovation pilot unit for agricultural socialization services in Chongqing, driving more than 500 surrounding farmers to achieve door-to-door employment. Nowadays, large-scale intelligent agricultural machinery rumbles into the vast fields. The efficiency of local agricultural production has been greatly improved. Farmers’ income has increased day by day, but the labor intensity has been greatly reduced. With financial help, local farmers have bulged their pockets and their lives are getting better and better. The more hope there is.

Qiu Benping is just an epitome of the financial assistance provided by the Postal Savings Bank of China Chongqing Jiangjin Branch. In Jiangjin, there are countless “Qiu Benping” who are striding towards a better life with the support of the Postal Savings Bank.

In recent years, Postal Savings Bank Chongqing Branch has continued to strengthen the connection between new agricultural business entities and actively provided financial support to qualified new agricultural business entities, so that more rural people can enjoy professional financial services more conveniently and efficiently, and continuously improve the general public. Ensure the availability, adaptability and sustainability of financial services, and effectively play the important role of banks in supporting the development of new agricultural business entities.

Staff from Postal Savings Bank Chongqing Branch investigated farmers’ planting conditions

In Jiangjin, in order to solve the problem of unsecured and unsecured loans for some large family farms and farmers in rural areas, Postal Savings Bank Chongqing Jiangjin Branch strengthened cooperation with Chongqing Agricultural Financing Guarantee Group Co., Ltd. and Chongqing Small and Micro Enterprise Financing Guarantee Co., Ltd. Improve the convenience and availability of financing loans for operating entities. In 2024, the bank issued 218 “Quick Loan Online Credits” to large farmers and farmers in local rural areas, exceeding 35.27 million yuan. At the same time, by proactively lowering loan interest rates, farmers’ production financing costs are reduced, effectively meeting the funding needs for spring plowing preparations and autumn harvest and autumn planting.

In addition, the bank promptly sorted out the characteristic agricultural industries under its jurisdiction, focusing on the “Yujian Hope Youyi Nong” financial service, starting from the ecological scene, and innovating the “Zanthoxylum bungeanum industry loan” and “Shuangfu agricultural trade industry loan”, through the Zanthoxylum bungeanum industry. Leveraging the chain credit model, using mortgage plus credit and guarantee methods, a total of nearly 83 million yuan of small loans have been issued to customers in the pepper industry. As of now, the industrial loan balance exceeds 58.7 million yuan.

Services that benefit farmers are blooming in many places, innovative financial products are emerging in an endless stream, and financial services are scenario-based and specialized… The relevant person in charge of the Postal Savings Bank Chongqing Branch said that in the next step, the bank will continue to deepen rural finance based on the “Yu Jian Hope” series of financial services. Fertile soil, continue to leverage the advantages of inclusive financial genes and resource endowments, provide more comprehensive, more convenient and more efficient postal savings support for the agricultural industry with differentiated services, inject financial vitality into rural revitalization, and safeguard local economic construction.