The industry lacks funds to "help" "help" Fangshan County "Living Niu Mortgage Loan" exceeded 100 million yuan in 42 days

The picture shows the Cheng Shifanggou of Beiwate Town, Fangshan County. Xiao Jiwang Photo

In 42 days, 462 households raising cattle household loans exceeded 100 million yuan, with average households of 222,000 yuan! "You can loan the bank with a mortgage in the bull cow." A few days ago, the cattle farmers in Fangshan County encountered a new thing.

In the midsummer season, Beiwudang Town, Fangshan County, Cheng Shi Fangou, is green and green. With a "" sound, white, yellow, and black "small dots" slowly slowly from far to near, from small to big, one end, two heads, three heads ... Yang Junsheng, a cow, from the cattle group. Come over and said, "These cows are mainly cows, with a total of 58 heads."

"58 heads? Isn't it only 40 heads not long ago? How many days will there be 18 heads?"

"In early June, I used 24 basic cows as mortgage, and bought 20 and then bought 20 and then bought 20 again." Lao Yang said with a smile.

"Don't underestimate these cows. Based on a calf 8,000 yuan and a basic cow of 15,000 yuan, conservative estimates, these cows are worth more than 800,000 miles!" Said a cattle raising experts.

This is a rare thing to use live cattle for mortgage. "Unlike mortgagers such as real estate, the biological cattle mortgage loan is used as a mortgage to issue a loan to the farmers." Han Jianhua, deputy governor of Fangshan County Rural Commercial Bank, said that this new loan model is alleviating the lack of mortgage, revitalizing the activation of the mortgage, and revitalizing the activation. Live livestock assets and help rural revitalization can play an important role.

Relying on the good ecological environment and rich waterweed resources in the territory, coupled with 7 natural grooves and more than 30 small trips, the cattle raising industry in Fangshan County has made a lot of water, and there are 90 administrative villages in the county. 65 are the key villages of cattle raising, and 2680 bull farmers have reached 2680 households.

However, due to the lack of mortgages, it is difficult for raising cows to obtain credit funding in the past. "It is difficult to expand by selling cattle alone, and the income increases slowly." Lao Yang said.

In early 2022, Fangshan tried to turn the original "unknowing" live cattle into a mortgage property, actively exploring the new road of bottlenecks in the bottleneck of the breeding industry. Data show that on May 18, Fangshan County Rural Commercial Bank relied on the unified registering system for the Real Estate financing of the People's Bank of China Credit Center, and successfully issued the first 300,000 yuan "living bull mortgage loan" to Su Baomin, a farmer in Ma Fang Town. As of June 29, in just 42 days, the county's living beef mortgage loan exceeded 100 million yuan, bringing a real benefit to the cattle raising households, and realizing that the "bull raising is not bad money".

"100 million yuan can expand 9,000 heads. According to normal reproduction, it can increase 9,000 heads per year. If 9,000 heads can be put on cubs, each cattle increases by 10,000 yuan. The effective connection between achievements and rural revitalization cannot be underestimated. "Cui Zhigang, director of the Rural Revitalization Bureau of Fangshan County, calculated such a account.

Han Jianhua said that during the specific promotion process, the bank first obtained information from farmers who met the loan requirements with the help of government departments. After determining the farmers, the price assessment is based on the age of the cattle, and the 50%mortgage rate is finally determined to finally determine the credit limit to achieve accurate delivery. At the same time, insurance participation is used to reduce risks, use the cattle as a mortgage guarantee, purchase insurance for it, provides risk protection for the insurance company, reduces the risk loss of living beef disease, and increases credit for bidders for breeding households. All cows that have been mortgaged will be equipped with ear labels, registered cows' varieties, age, and epidemic prevention, etc., "Through the unique ear marker as a logo to ensure that the mortgage is controlled and avoid the risk of repetitive mortgage of living beef. Personnel will also return to visit regularly to ensure that the loan is used in the right place. "

The industry lacks funds, and Niuer "help". Yang Junsheng, who benefited from the live bull mortgage loan, calculated the accounts with his fingers. "This loan is a three -year period. Under normal circumstances, there should be about 300 bulls sold in three years. The first batch of calves born is estimated to be about 30, and the second batch of calves born are almost 18 heads. According to half of them, it is calculated for the bull. The scale of breeding is expanded. As the number of cattle increases, his income has also risen.

Ren Haitao, deputy head of Fangshan County, said that the "four -in -one" model of "Government+Insurance+Bank+Farmers" uses the "four -in -one" model of "government+insurance+banks+farmers". The results of the results of the results of tackling the same rural rejuvenation and effective connection, it achieved the closed -loop development goals of breeding households, insurance companies, and banks willing to lend.

"This move not only strengthened the leading industry of Fangshan County, but also promoted the increase in market entities, providing strong support for the county's industrial and industrial villages." Ren Haitao said. (Reporter Li Gang Jin Yanfang correspondent Xiao Jiwang)

Luliang Daily

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