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Since this year, Guangxi Rural Credit Cooperatives have continued to focus on "agriculture, rural areas and farmers", optimize credit investment and increase support for the real economy. As of October 31, 2018, the newly increased loans reached 61.6 billion yuan, up 13.16%, and the loan balance reached 529.2 billion yuan. The increase and stock of loans continued to rank first in Guangxi's banking industry, becoming a strong engine for local economic development and a strong financial backing for the implementation of the rural revitalization strategy.
Guangxi Rural Credit Cooperatives closely follow the rural revitalization strategy, combine the local agricultural and rural economic development, industrialization, scale degree and credit environment, optimize the rural micro credit term, interest rate, line and other factors, appropriately adjust the farmers' micro credit line, and actively adapt to the needs of agricultural industrialization and scale development of financial services. We will effectively increase the loan to farmers, and continue to improve the satisfaction rate and coverage of farmers' loan needs. Actively provide financial services for key new agricultural business entities in Guangxi, conduct field surveys on local enterprises and cooperatives included in the list of key leading enterprises in the country and autonomous regions, national and autonomous region level farmers' cooperative demonstration cooperatives, Guangxi family farms, and Guangxi modern characteristic agriculture (core) demonstration areas, and effectively meet the reasonable financing needs of the business entities on the list. As of the end of September 2018, the agricultural loan balance of Guangxi Rural Credit Union was 408.1 billion yuan, accounting for 50.29% of Guangxi's banking industry, ranking first.
It is understood that rural credit cooperatives at all levels actively participate in and actively market, conscientiously do a good job in information collection, customer archiving, rating and credit granting of various enterprises, and provide credit funds for them in a timely manner, which strongly supports the production and operation of small and medium-sized enterprises and promotes the industrial restructuring of the whole district. At the same time, Guangxi Rural Credit Union "tailored" financial products for enterprises, launched agricultural product inventory pledge, forest right mortgage and other financing guarantee methods, widened enterprise financing channels, and alleviated enterprise guarantee difficulties. By the end of September 2018, the loan balance of small and micro enterprises of Guangxi Rural Credit Cooperatives had reached 278.5 billion yuan, accounting for 43.82% of the banking industry in the region, becoming the main financial force that truly supports the development of small and micro enterprises in the region.
According to the "four following and four walking" working idea of "loans follow the poor, the poor follow the capable, the capable follow the industry, and the industry follow the market", Guangxi Rural Credit Cooperatives "should make full use of loans" to poor households with good credit, willingness to lend, potential employment and entrepreneurship, skill quality, and certain repayment ability. By the end of October 2018, Guangxi Rural Credit Cooperatives had granted loans totaling 26.195 billion yuan to 535900 registered poor households, benefiting 2.05 million poor people, and driving more than 210000 poor households out of poverty. Rural Credit Cooperatives have granted more than 99% of the poverty alleviation micro loans in Guangxi banking industry, and more than 60% of the poverty alleviation leading enterprise loans, providing a solid financial support for our district to win the battle against poverty. The opinion of this article only represents the author himself. If the source of the article is a network reprint, this website is an information publishing platform. If there is infringement, please contact this website to delete it in time.
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