Yangyuan County'S Innovative Financing Mode To Promote Fur Industry Development

Teacher Jian Zhong, who has been worried about the shortage of funds, did not think that any asset mortgage could easily lend money.

In September of last year, the Rui fur plant he opened was added to Yangyuan.

The chamber of Commerce, with the help of the chamber of Commerce, secured a loan of four hundred and fifty thousand yuan from the bank in less than 2 months.

"Now, with the guarantee of funds, all links such as purchase, processing and sale can work smoothly."

Shi Jianzhong said.

Fur industry is a pillar industry in Yangyuan County, but the shortage of funds is always an important bottleneck restricting the development of industry.

In recent years, Yangyuan County, Zhangjiakou has actively coordinated various financial models of financial institutions, and this year alone, it has reached more than 900.

And processing households to provide loans of nearly 200 million yuan, to promote the development of fur industry has injected strong impetus.

A guarantee chamber is established to provide secured loans to small and medium-sized households.

There are more than 1500 families in the whole county, like Shi Jianzhong's family crushing workshops, almost "villages are factories, and households are workshops".

This year, the Yangyuan County Party committee and county government coordinated the County Federation of industry and commerce to take the lead, organize 18 strong fur enterprises, set up 6 fur guarantee associations, and provide unsecured and unsecured credit loan services to reputable member enterprises.

According to Qu Wei, Secretary General of the fur trade association of Yangyuan, according to the assets, operation and credit of the initiating enterprise, the bank gives credit guarantee to a certain amount of guarantee every year, and the chamber of commerce is responsible for examining the loan conditions of the member enterprises.

After the adoption of the audit, member enterprises paid the guarantee chamber 10% of the risk margin of the loan amount, and the bank immediately issued loans to the enterprise.

At present, 6 guarantee associations have developed 150 member enterprises, with a total guarantee loan of 140 million yuan.

The establishment of a "loan guarantee" warehouse, the implementation of the first loan, after mortgage.

This year the world

Prices fell sharply, and many fur enterprises and large processing enterprises regarded it as a favorable opportunity to buy at bargain prices.

Yangyuan County Party committee and county government in order to enhance the ability of enterprises to collect and store funds, built the country's first fur "loan guarantee warehouse".

In April this year, Yangyuan Qu's fur Co., Ltd. before the international fur auction, put forward a loan application to the bank. According to the 6 million 500 thousand yuan purchase fund, the bank gave 1:1 loan support, so that its storage capacity doubled.

As of the end of July, the company bought 30 thousand pieces of mink skin in Finland and Denmark respectively, of which 30% of raw materials were at their disposal, and the remaining 70% were mortgaged into the "loan guarantee warehouse".

The bank adopts "special person special number, one household and one card" method to supervise the raw materials for warehousing. Every batch of materials sold by the enterprise is deposited into the raw materials, and the bank will repay the corresponding loans until the loan is paid off.

By innovating the loan mode of "first lending and post mortgage", 4 fur businesses in Yangyuan County won the first loan of Zhangjiakou commercial bank 22 million 500 thousand yuan, and bought 100 thousand pieces of high-grade mink whole skin in Helsinki, Finland and other places.

Establishing mutual aid development cooperatives to provide mutual loan for entrepreneurs.

The broken leather industry is the first poverty alleviation industry in Yangyuan County, with more than 30 thousand employees. In Yangyuan County, the village of carayao was set up as a pilot project to form a cooperative development cooperative with the help of the national poverty alleviation fund.

In accordance with the principle of "mutual guarantee and risk sharing", members of the cooperatives voluntarily form a "three party loan group" to apply for loans in writing to the cooperatives. After the examination and approval, they sign the three joint guarantee loan agreement with the members, and each household can get a low interest loan of up to 5000 yuan, with a loan term of 1 years.

In the past two years, it has issued a total of 350 thousand yuan of mutual aid loans to help 52 poor households enter the field of broken skin processing. The annual income has reached over 30 thousand yuan and has achieved steady poverty relief.

It is understood that Yangyuan County Mutual Aid and cooperation organization has been promoted in 14 administrative villages, with a total scale of 2 million 787 thousand yuan. In 2013, loans for loans totaled 2 million 442 thousand and 850 yuan, helping more than 670 poor households to embark on the road of becoming rich through entrepreneurship.