Financial discount promotes the development of characteristic industries

"in the first half of this year, I was short of liquidity and did not have enough money to buy fodder. As soon as I opened my eyes every day, what I was worried about was the feed money for more than 80 sheep in the enclosure." When Yan Wude, a sheep farmer in Liangzhou District, Wuwei City, Gansu Province, was most worried, he was lucky to borrow a 50,000 yuan loan for cattle, sheep and vegetable industry from the rural credit cooperatives in Liangzhou District. "with this money, my sheep waist will be hard, and I can raise more sheep."

Like Yan Wude, Zhang Guokai, a farmer in Gaoba Town, who already has a solar greenhouse, also wants to expand the scale and build another solar greenhouse because of the high efficiency of growing facility vegetables, but he suffers from not enough funds for building a greenhouse of 80,000 yuan. By the time the reporter met him, he had already used 50,000 yuan of "cattle, sheep and vegetable industry loan" to build a solar greenhouse covering an area of 2 mu, which is estimated to increase income by about 40,000 yuan a year.

The "cattle, sheep and vegetable industry loan" mentioned by Zhang Guokai and others is the "discount interest loan for the development of herbivorous animal husbandry and facility vegetable industry in Gansu Province" jointly launched by the Gansu Provincial Department of Agriculture and Animal Husbandry and the Provincial Department of Finance at the end of May 2013. it is affectionately called "dual-industry loan" by the broad masses of cadres and masses.

"No matter how beautiful the farmers' vision of becoming rich in industry, they also need the support of financial funds." Han Linguang, deputy director of Gansu Provincial Department of Agriculture and Animal Husbandry, said. Herbivorous animal husbandry and facility vegetable industry are two characteristic advantage industries in Gansu Province according to the provincial conditions. As a major province of beef and mutton production in the west and a commercial vegetable production base for "transferring food from the west to the east" and "transporting vegetables from the north to the south", Gansu aims to use limited financial funds related to agriculture and agriculture to concentrate its efforts on solving the financing problems of farmers in the development of the industry. in order to pry financial credit funds into the fields of agriculture, rural areas and farmers, so as to achieve industrial development and increase farmers' income. Over the past year since its implementation, it has played an obvious role in promoting the industry, which has been welcomed by the broad masses of farmers and herdsmen, and the enthusiasm for loans has been high. By the end of this year, Gansu provincial finance had accumulated 870 million yuan of funds for discounted loans, and nearly 120000 households willing to develop have received loans, with a total of 15.8 billion yuan in loans, giving a strong impetus to the development of the two industries. "dual-industry loan" is becoming a booster for farmers and herdsmen to achieve industrial prosperity.

Gather financial funds to attract funds to support industrial development

Dragonfly Village, Gaoba Town, Liangzhou District, Wuwei City is a traditional vegetable growing village. Ma Yuan, branch secretary of Dragonfly Village, told reporters that in 1994, Dragonfly Village started to develop solar greenhouses and other facilities for the cultivation of vegetables. Until 2007, there were only more than 200 solar greenhouses and plastic greenhouses in the village, with a very small total. The village wants to expand the scale of facility vegetables and develop facility farming, but it can't afford it. In recent years, with the help of the provincial integration of financial funds and a series of loans to benefit farmers and support agriculture, the scale of facility vegetables in Dragonfly Village has developed rapidly. Not only 671 solar greenhouses have been built, but also professional cooperatives for vegetable production and marketing have been set up. Registered the "dragonfly brand" vegetable trademark.

"after 20 years of development, the industrial development of the village is also faced with some problems to be solved urgently." Ma Yuan said that with the continuous expansion and rapid development of the industrial scale, there are higher and higher requirements for the degree of mechanization of facility vegetables, the standard of planting technology, and the selection and breeding of varieties, so some solar greenhouses and plastic greenhouses in the village are facing renewal problems. There is an urgent need for capital investment. In addition, some villagers are also lack of liquidity for the development of large-scale facilities.

Ma Yuan said that based on the reality of industrial development, the demand for credit from dragonfly villagers is very strong. Since the beginning of this year, 115 households in the village have received 13.95 million yuan in "dual-industry loans", and the problems of renewal of vegetable sheds and lack of liquidity for the development of industries have been easily solved.

Ma Zaixing, director of the Financial assets Management Department of Gansu Provincial Agriculture and Animal Husbandry Department, said that according to regulations, the "dual industry funds" obtained by farmers and farmers' professional cooperatives engaged in cattle and sheep farming and facility vegetable production in large counties of cattle and sheep industry, major vegetable producing areas and other areas, the annual interest rate shall not rise by more than 20% of the national benchmark interest rate announced by the people's Bank of China, and the loan discount shall be jointly borne by provincial, county (regional) finance and farmers. Among them, the provincial level shall bear 4%, and the rest shall be borne by the counties and districts themselves. The loan limit for farmers shall not exceed 300000 yuan, and that of cooperatives (farming communities) shall not exceed 3 million yuan. In principle, the discount period shall be implemented according to two years for herbivorous animal husbandry and one year for protected vegetables, which can be appropriately extended according to the actual situation, with a maximum of no more than three years.

Dang Jisheng, trade union chairman of the Liangzhou District Agriculture and Animal Husbandry Bureau, who is in charge of "dual-industry loans", told reporters that in Liangzhou District, in addition to the provincial financial discount, the municipal finance assumed an annual interest rate of 0.38%, the district level assumed 2%, and individual farmers only had to bear 1%.

"this loan not only has a low interest rate, but also accounts for the vast majority of the financial discount, which is a loan that benefits and benefits farmers." Zhang Guoliang, a farmer in dragonfly village, said that more importantly, "dual-industry loans" have attracted funds for farmers to develop their industries and "relieve their difficulties and thirst."