In July this year, ICBC Ningde Branch and Ningde State-owned Financing Re limited guarantee the company has once again innovated and launched the "Fish Raft Aquaculture Loan". The product effectively solves the lack of farmers collateral, non-compliant bank credit Loan conditions, difficult financing, expensive financing and other issues.

According to the relevant person in charge of the Inclusive Business Department of ICBC Ningde Branch, this product is a continuation and improvement of ICBC's original inclusive innovation new product "Fishing Row Renovation Loan". With the water tidal flat aquaculture license, fishing raft facilities, and sea area lease rights as credit enhancement measures, Ningde State-owned Financing Re-guarantee Co., Ltd. shared the risk, revitalized the fishing raft, and exempted the assessment fee. Reduce financing for farmers and enterprises cost. Through the joint efforts of the government, the bank and the three parties, the product was successfully passed and successfully launched. The 'Fishing Raft Aquaculture Loan' product scheme not only meets the financing needs of farmers and enterprises, but also effectively revitalizes the secondary < of fishery raft resourcesa href="http://baike.eastmoney.com/item/%E5%B8%82%E5%9C%BA" target="_blank" web="1" > market, and promotes the "Measures for the Registration of Mortgage of Aquaculture Rights in Tidal Flats in Ningde Waters" The formulation and establishment of the factor of production circulation platform is the Ningde branch of ICBC service consolidates the effective results of the "Qinghai" action of the Ningde Municipal Government and accelerates the progress efforts and practices in the construction of a strong marine economy city. The person in charge said. It is understood that the plan has been written into the "Three-Year Action Plan for the National Inclusive Financial Reform Pilot Zone in Ningde City (2020-2022)".

"Now is the peak period of fish eating, feed input, coupled with the impact of the epidemic, many farmers are stretched in capital turnover, ICBC's product is a charcoal in the snow. The director of a village in Xiabaishi Town, Fu'an City, said.

ICBC Ningde Branch has always attached great importance to and actively implemented the national policy of supporting the development of small and micro enterprises, and integrated the development of inclusive financial business into its own transformation and development and services specific initiatives of the real economy. Since Ningde City was successfully approved to establish a national-level inclusive financial reform pilot zone, the bank has further aligned with the requirements of the government and regulatory authorities and enterprise needs, and strengthened its cooperation with the government and enterprises two-way communication, focusing on the characteristics of Ningde City industries, promote innovation, explore transformation, and conduct in-depth research to resolve the problems of small and micro enterprises. self-employed households have no collateral and financing difficulties, and in 2020, we successfully launched a number of distinctive, operable, and easy-to-promote inclusive financial regional characteristic products.

"ICBC Ningde Branch will continue to adhere to the service of 'six stability' and grasp the 'six guarantees', guided by the new development concept, and take sustainable development as the goals Solidly promote financial services for small and micro enterprises, support the supply-side reform of , tilt more resources to small and micro enterprises, alleviate the problem of insufficient and unbalanced supply of financial services for small and micro enterprises, and effectively improve the coverage of inclusive financial services of our bank. Availability and satisfaction. The relevant person in charge of ICBC Ningde Branch introduced.

(Article source: Mindong Daily).