农行创新信贷扶贫方式促农民增收

Agriculture bank credit innovation way to promote poverty alleviation farmers' income

It is reported that in 2012 the national agricultural bank in 14 concentrated special difficult areas were put on the loans of 188.8 billion yuan, in 592 a national poverty alleviation county and 495 provincial poverty alleviation county on the loans of 460.5 billion yuan, strongly promote the poverty county economic and social development and increasing farmers' income.

In recent years, the agricultural bank closely around poor areas leading industry and regional characteristic industry development, and actively cultivate poverty region characteristic advantage industry, vigorously support national poverty alleviation leading enterprise development. Taking the market as the guide, industrialization leading enterprise for traction, to the front of the industry chain to provide integrated financial services to farmers, and promote the upgrading industrial chain, to ensure the farmers' income. In 2012, the agriculture bank key support for the new hope group co., LTD. (sichuan), guangxi chicken sugar biochemical stock co., LTD. And 173 national poverty alleviation leading enterprise credit, a total of 21.63 billion yuan, radiating and driving about 1.39 million poor farmers, farmers' income worth 2644 yuan. Agricultural bank of xinjiang branch actively support local characteristic feeding industry bigger and stronger, 2012 cumulative release characteristics of horticulture loan nearly 3.3 billion yuan, including total support horticulture corporate client 57, 5726 households support fruit grower.

Agricultural bank also according to local economic characteristics and the peasant household loan operation rule, innovation NongMuHu out small credit loans, double farmers loans, new rural residential construction loans, agriculture, countryside and farmers "market + merchant" loans and so on many characteristics of peasant household loans products to meet the financial needs farmers, and promote the peasant household loans on the issue, 2012 farmers loans 321.63 billion yuan. In Tibet NongMuHu in small credit loans to "copper, silver, gold, drill" NongMuHu loan card for identification, issue different limit credit loans, effectively meet the farmers and the different levels of credit fund demand. By the end of 2012, the agriculture bank branch of Tibet issue NongMuHu small credit loans of 3.94 billion yuan, NongMuHu support 304000 households. In gansu, the agricultural bank and the financial province close cooperation, in the province within the scope of poor village launched "double peasant household credit" products, accumulative total to 10400 peasant households loans 630 million yuan.

The agricultural bank will continue to carry out in-depth where destitute areas financial services, and strengthen the national poverty alleviation leading enterprise credit support, according to the characteristic industry counties, pillar industries and key industry situation, adjust measures to local conditions to carry out financial services. Around the country JiangNong benefiting the rich peasants policy, further improve farmers loan product structure, and steadily promote the development of peasant household loans work.