Yangyuan Fur Industry: A Variety Of Financing Mode Before Breaking Cocoon, Financing 200 Million Yuan In July

There are more than 1500 household crushing workshops in the county. Almost "villages are factories, and households are workshops".

This year, 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 business associations, and provide credit guarantee services for reputable member enterprises.

Qu Wei, chairman of the fur trade association, introduced that the bank granted credit guarantee to a certain amount of the guarantee business every year according to the assets, operation and credit of the initiating enterprise, and the chamber of Commerce was 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 chamber of Commerce has developed 150 member enterprises, with a total of 140 million yuan.

This year, global fur raw material prices have dropped sharply, and many fur enterprises and large processing enterprises regard it as a favorable opportunity to buy at bargain prices.

The county Party committee and the county government built up the country's first fur loan guarantee warehouse in order to enhance their ability to collect and store funds.

In April, Yangyuan Qu's fur Co., Ltd. before the international fur auction, applied for a loan to the bank. The bank gave loans to 1:1 based on its 6 million 500 thousand yuan purchase fund and doubled its storage capacity.

As of the end of July, the company bought 30 thousand pieces of mink skin in Holland 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, Holland and other places.

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

The shredding leather industry is the first poverty alleviation industry in Yangyuan County, with more than 30 thousand employees. In Yangyuan County, the village of Ka Yao has been set up as a pilot project to establish a cooperative development cooperative with the help of the national poverty alleviation fund.

Start a business and become rich.

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.