When the spring breeze rises, the tea is fragrant, which is a good time to pick tea. When you enter Luotaping Township, Yongding District, Zhangjiajie City, you can see the green berry tea gardens in rows and clouds among the leaves. The tea fragrance is refreshing. Tea farmers, carrying bamboo baskets and flying their fingers, rush to pick tea leaves, presenting a vivid and moving scene.

"With the support of the Rural Commercial Bank's purchase loan of 2 million yuan for fresh leaves of berry tea, our company has accelerated the pace of quality improvement and upgrading. In early May, we officially restarted tea production, and the quality of berry tea has also improved a lot," said Tian Dajie, head of Honggang Village Berry Tea Planting Company, Luotaping Township, Yongding District, Zhangjiajie City.

In order to ensure the output quality of berry tea, Yongding District of Zhangjiajie City has carried out a series of high-quality development and rectification of the berry tea industry since the beginning of the year, and Tian Dajie's company is within the scope of rectification. Zhangjiajie Rural Commercial Bank pays close attention to the regional economic development at any time, rapidly adjusts the credit supply, and innovatively develops the "purchase loan for fresh leaves of berry tea" based on the actual situation and local conditions, with the maximum amount of 5 million yuan and the interest rate as low as 4.5%. Open a "green channel" of financial services for tea farmers, further help the quality upgrading of the berry tea industry, and at the same time adopt the business model of "online lending+offline services" to transform "window services" into "doorstep services", so that people can really enjoy financial convenience "without leaving home", and ensure the early release of spring tea funds and early results, Provide strong financial support for Zhangjiajie berry tea industry.

"The tea market has been good in the past two years, and my tea garden has grown larger and larger. Thanks to the credit fund support from Luotaping Branch of Zhangjiajie Rural Commercial Bank, my business has become more and more prosperous." Similarly, Brother Liu, the owner of the Berry Tea Planting Cooperative in Yanjing Village, Luotaping Township, was supported by the purchase loan for fresh leaves of berry tea. Early in the morning, he led the workers in the tea garden.

In the spring ploughing season, Zhangjiajie Rural Commercial Bank Luotaping Banking Office organized customer managers to carry out field surveys in the field around the local tea industry, so as to solve the financial needs of tea farmers in a timely manner. Brother Liu is also one of the beneficiaries. When the customer manager of the branch learned that the cooperative was in urgent need of funds for quality improvement and upgrading, he immediately came to assess its actual operating conditions, credit conditions, etc., and issued a 500000 yuan "berry tea loan" for it based on its actual situation, which solved his urgent need.

Brother Gong, a tea merchant, returned to his hometown eight years ago to start his own tea planting business. In a few years, his tea garden has expanded from more than 10 mu to more than 200 mu now. Along the way, Zhangjiajie Rural Commercial Bank has always been with the tea growers who were poor and white at the beginning of the day, growing step by step into tea buyers, and then setting up their own companies. It has witnessed his growth and always sent help to him. Up to now, the Bank has granted a loan of 1 million yuan to the Bank to help the Company develop.

The planting of berry tea is a leading characteristic industry of "one county, one specialty" in Yongding District of Zhangjiajie City and a key industry to promote rural revitalization, and plays an important role in the economic and social development of the whole district. In recent years, Zhangjiajie Rural Commercial Bank seized the development opportunity of berry tea, optimized financial services, innovated and developed credit products such as rural revitalization • berry tea loan, "berry tea fresh leaf purchase loan", focused on supporting the planting of berry tea in the whole region, initiated a new financial cooperation model of "government+bank+enterprise+guarantee company+farmers", injected financial "live water", and played a good role in the "characteristic brand" of the industry, Help the high-quality development of "one cup of tea" industry.

On May 21, 2022, on the third International Tea Day, the first domestic 10000 ton automatic production line of berry tea supported by Zhangjiajie Rural Commercial Bank was officially put into production in Qiankun Biological Health Industrial Park of Zhangjiajie High tech Zone. On the same day, the first comprehensive cooperation agreement of "government+bank+enterprise+guarantee company+farmer" in Zhangjiajie was signed. The cooperation model of "guarantee company provides guarantee, government subsidizes interest, and new agricultural operators contact farmers" provides a financial solution for the cross-border integration and development of Zhangjiajie's new agricultural operators and tourism industry.

In the past two years, Zhangjiajie Rural Commercial Bank has accumulatively loaned 154 million yuan to the berry tea industry, supporting the development of three leading enterprises in the industrialization of berry tea, including Zhangjiajie Qiankun Biotechnology Co., Ltd., Zhangjiajie Maoyanmei Co., Ltd., Zhangjiajie Maoyanhe Investment Co., Ltd., and providing strong financial support for the integrated development of Zhangjiajie tea tourism. At the same time, 27 agricultural credit products such as "Happy Life Series Loans", "Rural Industry Talent Loans", "Agricultural Easy Loans" and "Xiaoxiang Finance and Bank Loans" were launched, and a total of 1.474 billion yuan of credit funds were issued to support farmers within the jurisdiction to plant tea and process tea, benefiting 2460 tea farmers, 300 cooperatives, and 118 tea enterprises, truly enabling rural revitalization with a piece of leaf. Use financial living water to help Zhangjiajie strawberry tea fragrance for thousands of miles.

In the future, the Bank will continue to adhere to the service orientation of "rooted in the countryside, mission agriculture, and caring for farmers", actively explore new ways and means to help rural revitalization, continue to use financial power to support the development of characteristic industries, and fully meet customers' demand for diversified credit services. (Zhong Huimei)

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