Sichuan Daily January 13, 2020
By the end of last year, the last poor household had repaid on schedule without any breach of contract.
□ Sichuan Daily reporter Hou Chongliang Xianrui
"Don't owe the annual accounts." In the morning of January 12, Mayizu Village, Mayizu Township, Jinyang County, Zi Ke only found a bank repayment certificate from his pocket, smoothed it with his palm, and stuffed it into the account book. Inside the plastic wrap. A stone pressing on his heart fell to the ground.
Zike is only one of the poor households who set up a file in the local area. More than 10 days ago, he rushed to the Agricultural Bank of the county seat more than 10 kilometers away and repaid the 6,600 yuan loan.
In 2016, 81 poverty-stricken households in Mayizu Village applied for small poverty relief loans ranging from 20,000 to 50,000 yuan. Beginning in June 2019, the loan gradually entered the repayment period. By the end of last year, the last poor household had repaid on schedule without any breach of contract. Even the most difficult man named Lu Se, because he had no money for the time being, lent 8500 yuan to his neighbor before returning to the bank. The relevant person in charge of the local financial supervision bureau of the province said, "The small poverty alleviation loan of Mayizu Village is repaid as scheduled, which is very rare in deeply impoverished areas."
How did the poor households in Mayizu Village repay on time? This is due to the county's "can repay" has the strength, "to repay" has a mechanism, "want to repay" has the willingness, "dares to loan" has the confidence of the "four things" working method.
——Capacity development to achieve "can return".
From the beginning, this poverty alleviation loan targeted the development of the industry as an investment target, and was committed to improving the borrower's ability to repay. That is, this loan can only be used to develop industries such as breeding and planting, not consumer-type expenditures such as building and housing. Zike only borrows 20,000 yuan from a family to buy pepper seedlings and piglets. Three years later, 4 acres of green peppers in his family began to bear fruit, and the sows laid off their cubs one after another. Last year, one mu of green peppers was sold for five or six thousand yuan; ten little pigs and one big pig were sold for more than 10,000 yuan, and the two together added up to 30,000 yuan. Taking into account the pressure of poor households to make a one-time repayment, the borrowing bank has designed a flexible repayment mechanism and repays in installments. Zi Ke only chose to pay off in 3 years, and the pressure was relieved a lot. This is also a key factor in his ability to fulfill his contract as scheduled.
At present, Mayizu Village planted 5,000 acres of blue pepper and 3,000 acres of fruit, with a total output value of 18 million yuan. Last year, the village tried to plant peppers under the pepper tree for the first time. The "blue pepper + pepper" interplanting model allowed the average annual income of villagers to exceed 50,000 yuan.
-Institutional supervision to achieve "return".
Mr. Lu, the first secretary of the village, introduced that in order to prevent the "old Lai" who has no money to return, the bank, county government and village committee started from several aspects: Before lending, the village established a risk control team to comprehensively evaluate the applicant's levy. Credit records, industrial development, villager evaluation, etc. After the loan is released, the village regularly organizes publicity and emphasizes that if the loan is not repaid on time, it will be classified as a trustworthy person. In the future, going out to work and buying a house in the city will be affected. When the repayment time is approaching, Helping cadres “point-to-point” reminds borrowers ... that they must have a clear understanding of repayment, and it is also forcing borrowers to step up production. 56-year-old Lu Shige loaned 30,000 yuan. The more than 6 acres of green peppers he grows are gratifying. The couple are still working in the green pepper production base in the village, and their annual income is nearly 10,000 yuan. On December 31, 2019, Lu Shige paid off the 30,000 yuan loan at one time.
-Propaganda and education to achieve "want to return".
"Take credit and keep promises." While advancing small-scale poverty alleviation loans, cadres in villages and village teams and cadres of the village team have repeatedly publicized and educated to cultivate everyone's sense of integrity. Villagers have formed the concept of "shameful reliance on accounts, but should pay back money".
——The government takes the initiative and realizes “daring to loan”.
In order to dispel the concerns of lending banks, the government has the courage to assume. In 2016, Jinyang County established a risk compensation fund, and loans that were overdue for June were paid by the risk compensation fund.
The 81 poor households repayed on schedule, showing a new climate in poor villages: fighting poverty, not only increasing material wealth, but also cultivating people's aspirations and fashion to get rich through hard work.
Our state will make a decisive effort to defeat the poverty era
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