Huaiyuan county is rich in agricultural resources, with more than 30 kinds of agricultural products. Based on this natural advantage, Huaiyuan actively develops agricultural products e-commerce and agricultural and sideline products processing technology, and has formed a certain scale of agricultural products deep processing industrial park and wholesale company. Among them, a considerable number of industries are limited by funds, and there are many problems such as imperfect infrastructure construction, poor market promotion and lack of effective integration of resources. On July 19, nine students from Happy Huaiyuan Investigation Team of Anhui Finance College used their summer vacation to conduct a three-day field survey in Jeffery Ji, Huaiyuan County, which is known as the hometown of raspberries.
Group photo of team members. Photo by Wei Wu
Visit rural commercial banks to learn about financial services for benefiting farmers.
On July 19, a delegation from Happy Huaiyuan came to Huaiyuan Rural Commercial Bank to explore specific preferential policies for supporting agriculture in order to boost the local agricultural economic development. Members first learn from Manager Zhu in the lobby. The lobby manager is the hub connecting customers and banking business. He needs to be familiar with various services of the bank and have strong communication and expression skills. In this process, the team members not only learned about the bank's policy of benefiting farmers, but also learned some communication skills from Manager Zhu. Subsequently, the team members had a relaxed and pleasant exchange discussion with Manager Zhu and Vice President of Rural Commercial Bank. At the meeting, the team members learned that Jeffery Ji's economy has developed rapidly in recent years, and many young people who go out to work are willing to go home to develop characteristic agriculture. In order to help rural construction and promote the development of agricultural characteristic industries, rural commercial banks have launched a multi-functional benefit card with GSP and wide coverage, and also launched rural infrastructure, off-season fertilizer reserves, seasonal purchase loans for agricultural and sideline products and other products according to the needs of different farmers. At the same time, the bank upgraded the original withdrawal point of Huinong to the financial service room of Huinong, and will be equipped with corresponding service facilities in the future. Provide small deposit and withdrawal, payment recharge, transfer and remittance, online purchase and sale, community life business circle, express delivery, health and convenience, information consultation and other services for Huaiyuan urban and rural residents, small and micro enterprises and other economic organizations, and build a comprehensive service system of "finance, e-commerce, government affairs and community". Finally, the vice principal said earnestly, "The times are developing faster and faster. We really don't understand a lot of things like the Internet. You must study hard at school. In the future, the construction of rural finance in China still depends on you young people! " These words are both inspiration and responsibility for the players.
Team members are communicating with the person in charge of the rural commercial bank. Photo by Wei Wu
Jeffery Ji City, Huaiyuan County conducted field research to explore the way for raspberries to get rid of poverty and become rich.
On July 20th, the team members went to Jeffery Ji, Huaiyuan County for field research as planned. Minister Zhang Huibin warmly received the students. He fully affirmed the students' practice of using summer internships to carry out research and help their hometown develop, and introduced: "Raspberry is a food with high nutritional value, which has medical and health care functions such as clearing away lung heat, eliminating fatigue, caring skin, preventing aging, preventing anemia and gastrointestinal diseases. A variety of products can be developed from raspberries. In order to implement the poverty alleviation measures of precision poverty alleviation industry, on the basis of investigation and demonstration, we decided to adjust and optimize the agricultural planting structure in Jeffery Ji, drive the poor households in 1 1 administrative villages to develop the raspberry industry, and reward the poor households who are willing to engage in production with labor according to the standard of 1 mu, 6,000 yuan/mu, and adopt the mode of' company+poor households'.
After the communication with Secretary Zhang, the team members went to the farmers' homes to communicate with them in a casual way, to understand the improvement of the villagers' family economic conditions after planting raspberries, and to ask if they have and what kind of financial service needs they have. During the visit, the farmers were very enthusiastic, moved benches for us and asked us if we wanted tea. A middle-aged uncle communicated with us and said, "There are four people in the family. My wife and I contracted a few acres of land to grow raspberries at home, and the children are all in college. For banking, there are more contacts with deposits. On the one hand, rural people are used to being cautious and always feel that the money borrowed is not their own and it is not practical to spend it; On the other hand, I don't know much about the bank's policies, and I have some doubts. There is no special demand in rural areas, and the services of rural commercial banks can meet the demand, and all aspects of services are also in place, and I feel very satisfied. I have never taken the initiative to learn about finance, but I occasionally see it on my mobile phone. If township governments and banks give more publicity and encouragement to the people to expand production and operation, so that they have a clearer understanding of the service content of banks, the people will be more courageous. " It can be inferred from the initial conversation that it is similar to visit other families later, because such family situations are really common in this land. In this way, the team members went door to door and visited more than 30 families. In addition to feeling people's determination to be brave in reform and tenacious innovation, the development of rural agricultural economy has also encountered difficulties, as if one is a torrent and the other is a slow flow.
Development Planning of Raspberry Industry in Jeffery Ji, Huaiyuan County. Photo by Wei Wu
Team members are interviewing a farmer. Photo by Wei Wu
Analyze and summarize, fully develop, and make suggestions for the development of grassroots financial institutions.
On July 2 1, team members got together and shared their practical gains and feelings in turn. Through discussion, the team members believe that there are the following problems in rural development in Huaiyuan: the concept is still backward, the agricultural management in Huaiyuan County still adopts the traditional trusteeship model, and the enthusiasm of farmers to participate is not high, which makes the agricultural production efficiency and economic benefits low, the awareness of independent development is insufficient, and the ideas need to be further opened; Huaiyuan is a national poverty-stricken county, which relies on excessive financial support from the government and the outside world, resulting in excessive dependence on the inertia of blood transfusion, making it lack of independent initiative and insufficient "hematopoietic function"; The phenomenon of capital outflow in the county is serious. The business outlets of state-owned commercial banks at or below the county level have more deposits and less loans in rural areas, which has deposited most of the deposits absorbed from rural areas, resulting in a large amount of funds flowing out of rural areas and becoming the main channel for rural capital outflow, resulting in a serious shortage of rural credit funds.
After consulting relevant materials and discussing with teachers, the following opinions are obtained: actively cultivate farmers' participation, in addition to developing the brand of agricultural special products, we can also set up holiday farms in time, and use the rooms or farmhouses vacated by farmers to slightly rebuild the houses accepted by holiday farms. On the one hand, this family-oriented management characteristic caters to the needs of the tourism market, on the other hand, it can effectively mobilize the enthusiasm of farmers to participate; As the main force of rural finance, commercial banks should increase their support for agriculture, rural areas and farmers, support county grass-roots branches to adopt different business models according to rural financial forms, decentralize loan approval authority, optimize loan processes, and provide services for promoting county agricultural industrialization. Provide large loans to small rural financial institutions to support the development of leading agricultural enterprises; The government has increased its policy support for rural capital circulation and provided related financial services. To fundamentally solve the shortage of funds in agriculture and rural areas, we must give full play to the policy and typical guiding role of financial funds and policy credit funds, comprehensively use economic means such as guarantee and taxation, build a guiding and incentive mechanism, and guide and urge social funds such as commercial finance and cooperative finance to flow to agriculture and rural areas. The state can guide commercial banks or other financial institutions to increase their investment in agriculture through tax policies.
Team members get together to discuss. Photo by Wei Wu
With the joint efforts of all the team members, the careful guidance of the leading teacher and the support and help of local cadres, the work of the Happy Huaiyuan Investigation Team was successfully completed. The trip to "Raspberry Town" also left a deep impression and reflection on the members. Although China has made remarkable achievements in implementing the rural revitalization strategy, rural development and construction still have a long way to go. In order to better support rural development, financial services must be combined with reality and adapted to local conditions, and countless rural builders with ideals and ambitions need to explore and test in practical work.