"Jia Cai Loan+No Mortgage" solves the problem of vegetable farmers' loan difficulty. In view of the phenomenon that vegetable farmers invest more in business, have fewer property certificates and generally lack collateral for loans. In order to solve the problem of less collateral and difficult loans for vegetable farmers, since 2020 1 month, the bank has launched mortgage-free products such as Jiashu loan+mortgage-free (agricultural loan, home loan and floating loan) to solve the problem of difficult loans for vegetable farmers. 202 loans of "Jia Cai Loan+No Mortgage" were issued successively, amounting to 25.5 million yuan, which solved the loan difficulties of a group of vegetable farmers. For example, on October 30th, 2020, a loan of 750,000 yuan was granted to Tang Ming Vegetable Cooperative in Xinjie Township, which solved the problem of funds for the cooperative to grow fruits and vegetables in Xinjie, and the cooperative continued to grow and develop. At present, the cooperative has formed a demonstration area for fruit and vegetable picking and sightseeing agriculture.
"Jia Cai Loan+Re-loan for Supporting Agriculture" solves the problem of expensive loans for vegetable farmers. In the past, the loan interest rate of vegetable farmers rose, and the planting cost was too high. In order to effectively reduce the cost of funds and reduce the burden on vegetable farmers, in March 2020, the bank won a re-loan for supporting agriculture from the People's Bank of China, and launched "Jia Cai Loan+Re-loan for Supporting Agriculture", and controlled the interest rate below 4.5% to maximize the benefits for vegetable farmers. A total of 102 households were supported, with an amount of19.8 million yuan. For example, on May 3rd, 2020, Jiayu Jin Run Agriculture received a loan of 3 million yuan with a loan interest rate of 4.5%, which supported enterprises to quickly invest more than 7,000 mu in vegetable planting after the outbreak, made positive contributions to the supply of fresh vegetables in Wuhan, and welcomed the on-site inspection and praise of the main leaders of the provincial party committee.