On the opening day on May 18, Li Yongchao, the son of old village chief Li Zhong, who now works at the District Agricultural Bank of China, approached Huang Feifei and asked if he had any need for a loan.
These are all foreign-funded enterprises, and their account opening bank is at Hua Xia Bank. The loan that Huang Feifei applied for before was also handled at Hua Xia Bank.
Huang Feifei knew about his relationship with the Sun family, so she explained the situation clearly to him.
Li Yongchao didn't care. Although he was the section chief of the credit department, the credit department of the Agricultural Bank of China was a hard-working unit. Unless there was a state-owned farm or agricultural machinery factory in the jurisdiction, the loan officer would not be able to do the loan business.
Chinese people, especially those in rural areas, are still very conservative in their thinking at the moment. Many people are not even willing to go to the bank to deposit money, let alone get a loan.
Li Yongchao has never thought about selling loans. If he had, he would have asked during the Spring Festival. He has become accustomed to failing to complete the loan task every year.
Several companies opened at the same time today, and the district Agricultural Bank of China also received an invitation. The president was very dedicated and asked Li Yongchao to accompany him to the unveiling ceremony and come over to ask in private.
Sun Dahai, who was on the side, became interested in this. He made an appointment with Li Yongchao to discuss it in detail after the ceremony.
That afternoon, after learning about the Agricultural Bank of China loan situation from Li Yongchao, Sun Dahai proposed a new idea to Li Yongchao based on his own industry.
The first is to target retail investors, taking families as a unit, to apply for small loans from banks to purchase piglets.
Nowadays, the price of 30 kilograms of piglets for slaughter is about 20 yuan at a breeding farm, which is unaffordable for most rural families. If some rural families do not have a large labor force, their annual cash income is only a few dozen yuan.
Raising pigs is a shortcut for farmers to escape poverty and become rich. For free-range farmers, the biggest cost is purchasing piglets.
The Agricultural Bank of China works with pig breeding farms and fattening farms to issue special loans with a term of no more than one year to farmer families interested in raising pigs to purchase piglets.
At the same time, the fattening farm has also guaranteed that any piglets purchased from breeding farms using loans will be purchased at market prices as long as they pass health quarantine.
This is to prevent farmers who cannot afford to buy feed from losing fat when their pigs are unable to obtain enough natural feed through natural stocking.
For example, in June, a farmer bought a 30-jin piglet with a loan and raised it until winter in November. The piglet was raised for five months and weighed about 100 kilograms. It was not suitable for slaughter. If there was no piglet at home at this time,
The overwintering feed, or the pigs that have been fed, can be sold to the fattening farm after passing the health quarantine. The fattening farm will purchase it at the market price, and the farmers can get about 35 yuan. After repaying the bank loan, the actual income will be more than 10 yuan.
In other words, a farmer who raises a pig for five months can finally get a net income of more than ten yuan. If the farmer completes the entire process of piglets from fattening to slaughter, the income will of course be higher.
Li Yongchao was very happy after hearing this. He asked about the entire process of loan operation in detail, and the more he listened, the more reasonable he felt.
Sun Dahai waited for him to digest the new ideas he heard before continuing.
"I gave this new loan project a name, 'Rural Small Amount Special Loan,' where the word 'special' is the root of this kind of loan."
Li Yongchao took out his notebook, listened carefully, and recorded in detail.
“If farmers want to get rid of poverty and become rich, in addition to their own efforts, they must have three things: funds, projects and supporting resources.
Funds are provided by banks, while projects and supporting resources are borne by enterprises, which is also a guarantee of loan security.
As we just said, farmers apply for loans, purchase piglets provided by pig breeding farms, and fatten them until they are finally sold or slaughtered. This is a project, a pig raising project.
These alone are not enough, the risks are too great, and banks and farmers may not be willing to bear them. Therefore, relevant supporting resources must be provided to protect them.
For example, as mentioned just now, when farmers are unable to continue raising animals, the fattening farm promises to take over. In a few months, the meat factory will open for business, and the slaughter and sale of pigs will be guaranteed. This is another
One item.
There are also feed mills. When farmers are willing to spend some costs and pursue greater profits, the various types of feed produced by feed mills are their best choice.
We also plan to invite teachers from the Agricultural University to provide free lectures and teach breeding techniques to farmers who are willing to breed; we will also ask veterinary stations to publicize knowledge on epidemic prevention and disease prevention, and conduct regular quarantines, etc.
With these supporting resources, risks will be reduced a lot and a lot of worries will be reduced. Banks and farmers can do it with confidence."
Sun Dahai paused for a moment, waiting for Li Yongchao to take notes.
"When more people take out loans to raise pigs, preferably after you see the actual income of farmers, you can go to various production brigades under the commune to develop loan customers.
There are abandoned pig farms in several villages under our commune. When they see someone making money, other production brigades will be willing to raise pigs again. You can persuade them to open village-run collective pig farms and put them into use.
The old pig farms should be put to reasonable use. These collective pig farms will be your next batch of loan recipients. Their demand for loans is much greater, such as repairing pig farms, buying piglets, feed..."
Li Yongchao was very excited. He listened and took notes quickly.
Sun Dahai waited for him to finish recording and said to him: "Uncle Li, when you report to your superiors, you must grasp the following four points: First, increase national tax revenue through a series of economic activities. Second, help and support breeding
It can help households get rid of poverty and become rich, and increase the family income of livestock farmers. Third, it can enrich the supply of materials and enhance people's physical fitness. Fourth, it can expand the scope of bank loans, enhance the position of banks in the national economic life, and increase bank income."
After Sun Dahai finished speaking, Li Yongchao asked: "What else?"
"You have to take care of the specific details from a banking professional perspective. There's nothing else."
…
In the next few days, Li Yongchao discussed with Sun Dahai several times, and his plan became more and more perfect.
At the end of May, he submitted the plan.
Sun Dahai didn't pay attention to this matter anymore. Li Yongchao seemed to have asked Chen Feng to tell him that the plan had been approved and a pilot project would be launched in a few days. Grandma, Director Cui and the bank had a meeting and agreed to the cooperation plan.
Last month, when Mr. Huang came home one day, he showed Sun Dahai some information, including the candidates and their deeds for the "Commendation Conference for Advanced Individuals in Reform and Opening Up in the Financial Sector" to be jointly organized by the Ministry of Finance and the People's Bank of China. Among them, the Agricultural Bank of China
Li Yongchao's name was among the list of selected advanced individuals.
The standards of this commendation meeting are very high, so advanced individuals and advanced deeds must be clearly implemented in advance to avoid any unnecessary incidents.
Li Yongchao's deeds, in addition to the banking system, also involve agricultural affairs, so the verification letter was sent to the Capital Agriculture Bureau, which verified it and transferred it to the Ministry of Agriculture.
Because it involves the Winning at the Starting Line Breeding Farm and the Chunguang Meili Fattening Farm, and the names of the companies are too weird and easy to remember. Therefore, the staff who received the investigation letter immediately forwarded it to those joint ventures that have been paying attention to the development.
In the hands of Minister He and Mr. Huang.
When Mr. Huang learned about the situation, he smiled and said to Sun Dahai: "Dahai, you can be considered a lucky person. You accidentally came up with an idea and got noticed by the superiors."
