Like many farmers who can't get loans from traditional financial institutions, the financial pressure to expand reproduction has been on Jiang's shoulders. After introduction and use, the "Jingnong Loan-Breeding Loan" credit product jointly developed by Jingdong Finance and China United Property Insurance Company quickly passed the preliminary examination and is waiting for the loan to be issued.
It is known that "Jingnong Loan" is a rural credit brand "Jingnong Loan" launched by Jingdong Financial Group at the end of 20 15. It deeply cultivates two product lines of agricultural credit and agricultural product credit, and makes rural finance in the whole industry chain around the agricultural subdivision industry chain. Last year, the brand of "Jingnong Loan" set foot in the field of planting, and successively cooperated with DuPont Pioneer, the world's leading seed company, and Sichuan Renshou Furenyuan Agricultural Development Co., Ltd., and made an important breakthrough after the product went online. The loan amount of Wenshang County, Shandong Province in the pilot area is nearly 6.5438+million.
"Jingnong Loan-Breeding Loan" has made great business innovation on the basis of the previous "Jingnong Loan" in the planting field. "Jingnong Loan-Breeding Loan" introduced the insurance mechanism into loans for the first time. When farmers apply for loans, they will also apply to China United Property Insurance Company for credit guarantee insurance services, and the loan introduces a guarantee mechanism, so that insurance and guarantee can jointly increase credit and reduce risks. Once an accident occurs in the process of agricultural products breeding, which affects the risk time of payment, the double protection of insurance and guarantee will be started to minimize the losses caused by risk events.
Hong Jie, a rural financial dutiful person in JD.COM, said that "Jingnong Loan-Breeding Loan" has four advantages: 1, intelligent maturity, matching farmers' breeding cycle and supporting early repayment; 2. Competitive profit rate. Jingdong Finance will conduct differentiated pricing according to the actual needs of customers and provide loan interest rates that are competitive enough in the market. 3. The quota is high, and the maximum quota can reach 2 million, which meets the capital needs of farmers. 4. the loan application is quick and convenient, and it can be sold as soon as the same day? All loans are unsecured and unsecured.