Xiang loose the first village bank in rural areas to ease mortgage loans

Adjust the national policies of rural financial market access under the background of this new village banks in rural financial institutions came into being. At the recent press interview that was set up only in March last year of the first villages and towns in Hunan Province Bank - Xiangxiang City Bank towns and villages, through the innovative "easy mortgage" at a certain extent, eased the "loans", its implementation also of business development.

Xiangxiang City, the traditional food is a Pig on county (city). Statistics show that the local in 2007 to 7.2 billion in deposits, but only 3.2 billion in loans in rural areas, "the financial loss of blood," the more prominent problem.

In order to increase financial support for agriculture, and Hunan Province in March last year at Xiangxiang City, the first pilot province to set up village banks. Xiangxiang City Bank towns and villages in the business department, the reporter saw a number of common past of rural financial institutions, "the environment is dirty, high counters, close the iron railing," is different from business department of the bank such as a mirror smooth surface, with a customer rest area tv,排号machines, magazines and information. "Hello!" "Thank you!" "Welcome back!" Regards staff courtesy, so that farmers are not only fresh and warm.

In addition to "operational window" no "price scissors in urban and rural areas", Xiangxiang village banks "easy mortgage" lending a number of agriculture-related projects and to benefit farmers, were praised in the local.

This reporter has learned that rural peasant Longdong Xiao think for many pig, but one two unsecured unsecured, and has repeatedly rebuffed loan. Xiangxiang City Bank towns and villages found that Xiao 3 years ago to seek their own leased to a local mountain species of citrus business for 20 years could be near 40,000 yuan rent. Thus, towns and villages for the bank for Xiao a "Land Contact pledge income" loans.

Xiangxiang City Bank towns and villages Dash Lee told reporters that 3,000 long years of breeding pigs谭志义peasant villages at the banks on the loan-to-three days to 200,000 yuan lending rate loans, with only a leather processing enterprises in the lower reaches of the security. A production machine plow township enterprises, with orders for inventory and retail mortgages and loans to 500,000 yuan. An invention that can be reported automatically swing crib farmers, with the franchise from the village bank loans to 1.5 million yuan. In the "relaxed security" under the framework of farm children Xiangxiang studies, the city to buy a house, home business,双抢spring and seasonal demand for emergency funds, can be credited to the paragraph.

Xiangxiang City Bank towns and villages were Chairman Kuang Yue told reporters that the registered capital of 49 million yuan last year, the village banks only 9 months, the deposit has reached 1.5794 billion, invested a total of 140 million yuan of loans to achieve 2.08 million yuan of profits. This has been set up in the current home of nearly a hundred banks in villages and towns, belong to the ranks of blue. This year, although the magnitude of the financial crisis a lot, but their deposits up to 3 billion, the loan balance was 1.8 billion, capital profit will reach about 10%.

"Village banks' live farmers Huinong'' 'Our' money to the business' prospects are!" Open jump of village banks were full of confidence for future development.