Our cooperative has a large demand for funds during the spring ploughing. In the past, if you wanted to get a loan, you had to mortgage it with real estate or find someone to guarantee it yourself, which was very troublesome. Now rural commercial banks directly cooperate with agricultural companies, which completely solves the mortgage and guarantee problems and gives us more confidence to invest in agricultural production. Qian Lihua, chairman of Tuanshanzi Village Food Cooperative in Huangnihe Town, Dunhua City, Jilin Province, said with emotion. Thanks to the "agricultural burden-grain loan" credit product of Jilin Dunhua Rural Commercial Bank, Qian Lihua's cooperative was supported by a credit fund of 400,000 yuan. At present, the contracted corn planting circulation area reaches 260 hectares, which is a new type of agricultural management entity supported by Huangnihe Town Government. With the financial support of rural commercial banks, this cooperative has newly leased more than 80 hectares of land this year, and it is expected to increase its income by nearly 600,000 yuan this year.

In the past two years, in order to solve the bottleneck of less effective collateral for agriculture-related subjects, Jilin Dunhua Rural Commercial Bank has made overall efforts to promote the tasks of financial support for stable economic growth and protect market subjects, fully promoted the implementation of various decision-making arrangements, reached strategic cooperation with Jilin Agricultural Guarantee Corporation, and innovatively launched rural revitalization financial products. It is understood that "agricultural loans" focus on new agricultural business entities such as professional cooperatives, family farms, agricultural enterprises, rural e-commerce, agricultural socialized service organizations, and new agricultural projects, and play the role of policy financing guarantee institutions, actively reduce fees and make profits, and strive to achieve the goal of protecting people's livelihood, stabilizing industries, ensuring employment and benefiting entities. Over the past two years, * * * has invested a total of 236 million yuan in "agricultural loans".

In order to meet the needs of the development of agriculture-related main business, Dunhua Rural Commercial Bank has comprehensively understood the financial needs of different customer groups by taking bank-enterprise matchmaking meetings, agricultural products promotion meetings and financial knowledge lectures as carriers, and tailored products to match them, and successively launched a series of loan products such as "direct grain subsidy mortgage", "agricultural loan", "land management right mortgage", "animal husbandry abundance", "residential mortgage" and "forest right mortgage", which were obtained by Dunhua Municipal Committee. As of the day before yesterday, the balance of agricultural loans of Dunhua Rural Commercial Bank was 8.543 billion yuan, accounting for 68.5 1% of all loan balances, an increase of 356 million yuan over the beginning of the year, with a growth rate of 4.34%. (Reporter Wang Tianwu correspondent Tian Rongjun)