重庆50余款特色产业贷寻涉农经营主体
我要采购涉农金融AI 精选📍 重庆👁 22026-10-03 07:02
重庆正以“一业一贷”模式破解现代农业产业集群融资瓶颈。市农业农村委联合金融机构，围绕柑橘、榨菜、脆李、茶叶、中药材等特色产业，量身定制了“榨菜贷”“脆李贷”“茶叶贷”“黄连贷”等50余款信贷产品，以订单、存货、信用等为授信依据，简化审批流程并执行优惠利率，已累计投放信贷资金487.95亿元。典型案例如涪陵区友邦榨菜种植合作社，在无合适抵押物的情况下，凭“榨菜贷”不到一周获得50万元贷款，种植面积从200亩扩至500亩并新建窖池。机会点在于：有真实资金需求但缺乏传统抵押物的涉农经营主体，可对接这些专属产品获得扩产、设备更新、冷链建设等资金。谁该参与：小农户、家庭农场、农民合作社、茶企、中药材基地等特色产业经营主体，以及可提供订单、存货、信用等授信依据的产业链上下游企业。怎么参与：向所在区县农业农村部门或合作金融机构咨询“一业一贷”对应产品，提交订单、存货、信用等材料申请授信。时间窗口：政策持续推进中，产品常态化受理，建议尽早对接。
事实依据：重庆累计推出50余款“金融贷” “榨菜贷”“脆李贷”等量身定制产品，助力特色产业提质增效
English version — Chongqing's 50+ Specialty Agri-Loans Open to Farm Operators
Chongqing is easing financing bottlenecks in its modern agricultural cluster system through a "one industry, one loan" model. The Municipal Agriculture and Rural Affairs Commission, working with financial institutions, has rolled out more than 50 tailored credit products for specialty industries such as citrus, Fuling pickled mustard tuber, crisp plums, tea and Chinese medicinal herbs. Products like the "Pickled Mustard Tuber Loan" and "Crisp Plum Loan" use orders, inventory and credit standing as collateral substitutes, cut approval steps and offer preferential rates. A total of 48.795 billion yuan in credit has been extended so far. In one case, a Fuling cooperative without suitable collateral obtained a 500,000 yuan loan in under a week, expanding its planting area from 200 to 500 mu and building new storage pits. Who should act: smallholders, family farms, cooperatives, tea processors and herb base operators needing funds for expansion, equipment upgrades or cold-chain facilities. How to participate: contact your district agriculture bureau or partner bank, and apply with orders, inventory or credit records. The program is ongoing with rolling acceptance, so early engagement is advised.
Source: Chongqing Rolls Out 50+ Financial Loan Products Including Pickled Mustard Tuber and Crisp Plum Loans to Boost Specialty Industries