On the morning of September 12th, at a fish farming base under the Hai Da Group in Sanjiao Town, Zhongshan City, a group of staff were walking between the fish ponds under the scorching sun, and soon arrived at the heart of the pond.
Leading the crowd was Ma Mingzhe, the chairman of Ping An Group, who rarely appears in public.
He quickly approached the feeding platform of the fish pond, scooped up a ladle of fish feed, and sprinkled it into the pond, instantly causing a flurry of fish to leap and scramble for food.
On that day, to support the comprehensive implementation of Guangdong Province's "Hundred Thousand Project" and "Green and Beautiful Guangdong", Ping An China entered Zhongshan and Jiangmen to carry out a theme research activity of "Serving the Hundred Thousand Project".
This is the scene that appeared at the beginning.
Guangdong Province, with the implementation of the "Hundred Thousand Project" as a starting point, promotes the comprehensive revitalization of rural areas and achieves high-quality development.
The implementation of the "Hundred Thousand Project" cannot be separated from the revitalization and development of county-level characteristic industrial economy.
Guangdong is a major province for aquaculture in China, and the Sanjiao Town fish farming industry park in Zhongshan City is one of the first batch of modern agricultural industry chain standardization demonstration bases in Guangdong Province, and it is also one of the important support points for Ping An Bank to support the "Hundred Thousand Project" around local aquaculture special loans.
In recent years, focusing on aquaculture, a characteristic industry of Guangdong Province, Ping An China relies on the comprehensive financial advantages of the group, plays the role of financial credit funds and insurance guarantees, launches customized policies with the leading enterprise supply chain as the carrier, provides customized inclusive financial services for a group of chain enterprises, launches insurance projects specifically for aquaculture, and also uses technology to help agriculture prevent and reduce disasters, and has taken a new path with characteristics of "insurance + credit + technology" to solve the problems of financing difficulties and breeding difficulties for enterprises and farmers, and serve the "Hundred Thousand Project".
One chain, one policy: "loaning" financial water to help industrial development of the last kilometer.
The Sanjiao Town fish farming industry park in Zhongshan City is a representative project for Ping An China to serve the "Hundred Thousand Project" and support local aquaculture.
Liang Fuhua, who is engaged in fish farming in Sanjiao Town, is a native of Sanjiao Town, Zhongshan City, and has been engaged in fish farming since his father's generation.
At present, the breeding scale in Sanjiao Town, Zhongshan City is 800 acres, including some fish ponds for breeding fish fry and infrastructure land, with an annual turnover of more than 100 million yuan.
The business is getting bigger and bigger, but he is often at a loss due to the problem of capital turnover.
"The breeding cycle of fish is long, the repayment time is relatively slow, and feed is the main investment.
Every year, we have to pass the New Year's Day.
At the end of the year, we have to pay a large amount of feed money, but we can only sell fish in February of the following year.
At this time, the capital is particularly tight."
Liang Fuhua said.
After entering autumn, it is the peak growth period of fish.
At this time, Liang Fuhua's mood is mixed with joy and worry.
While the fish fry grow rapidly, they also face the problem of capital turnover.
Now, Liang Fuhua's problem has been solved by Ping An Bank.
"We mainly purchase feed from Hai Da.
After they understood my situation, they recommended the loan of Ping An Bank to me.
The customer manager of Ping An Bank came to my door to understand my needs in detail.
After checking the breeding scale and business situation of the base, they formulated a loan plan.
Throughout the process, the customer manager of Ping An Bank has always provided door-to-door service, guiding us to operate online, and the loan can be borrowed and repaid at any time, which is convenient for daily use."
According to Liang Fuhua's introduction, Ping An Bank has transformed the fish he breeds into operating assets, and quickly provided a loan of 1.5 million yuan for him, solving the urgent need for capital turnover and ensuring the normal progress of breeding planning.
Liang Fuhua's relationship with Ping An Bank is due to the recommendation of Hai Da Group.
Hai Da Group is a high-tech agriculture and animal husbandry enterprise in Guangdong Province, integrating the research and development, production and sales of aquaculture and animal feed, as well as healthy breeding.
It has a large number of downstream dealers and farmers, forming a complete "leading enterprise - dealer - farmer/farmer" supply chain model.
Liang Fuhua is one of the fish farmers on the supply chain model of Hai Da Group.
In aquaculture, many farmers lack effective collateral and face problems such as the inability to cash in biological assets.
In order to solve the capital problems of farmers, Ping An Bank has helped the upstream and downstream industry chain around Hai Da Group, the "chain leader" of the feed industry, by conducting on-site investigations to restore the true business situation of customers, understand the characteristics of aquaculture, and combine the production cycle of breeding varieties to provide credit loans for farmers, which can be borrowed and repaid at any time.
For example, for upstream suppliers (such as fish meal, wheat, corn and other suppliers), Ping An Bank provides rapid discounting, asset pool and other comprehensive credit plans for corporate customers; for downstream dealers or farmers, Ping An Bank continues to optimize customized financial service plans for the breeding industry.
By providing financial support to farmers, it also helps Hai Da Group's feed processing plants to recover funds quickly, achieving a virtuous cycle of the overall business chain and capital chain.
Relying on the advantages of Hai Da Group, Ping An Bank has carried out in-depth cooperation with it, and has launched customized policies for a group of chain enterprises by taking the supply chain of Hai Da Group as the carrier, providing customized inclusive financial services, thus helping farmers solve financing problems and opening up the "last kilometer" of financial support for the development of the fishing industry.
In 2024, Ping An Bank's inclusive finance will focus on the development of "circle, chain, platform" scenario-based business, design customized plans based on the commonality of specific customer groups, reasonably match and comprehensively use the bank's financial products to meet customer financial needs.
For example, the Guangzhou branch of Ping An Bank has added a comprehensive credit limit of 1 billion yuan for a certain food company in Guangdong Province, which is used by its subsidiary to pay for the feed of pig farms, enabling the enterprise and related small business owners and farmers to recover the payment in time, and promoting the comprehensive development of the local feed industry and the breeding industry in the upstream and downstream of the industry chain.
Up to now, Ping An Bank has provided credit of more than 4.5 billion yuan for 5 leading agricultural enterprises and related chain customers in Guangdong Province, covering poultry, aquaculture farmers in Zhuhai, Zhongshan, Foshan, Maoming, Zhanjiang, Huizhou, Chaoshan, and Jieyang and other areas, promoting the prosperity of rural industries in the Guangdong-Hong Kong-Macao Greater Bay Area and the two wings of eastern and western Guangdong.
"Insurance + credit + technology": Let farmers rest assured to "raise fish" "The most distinctive flavor of the Beijiang River is the osmanthus fish in the wine."
Fisheries are an important part of agriculture, and their high-quality development is not only related to ensuring food security, but also closely related to the sustainable development of the environment and economy.
Qingyuan City, Qingxin District, is one of the four major producing areas of osmanthus fish in Guangdong Province, and it is also the area with the most complete supporting osmanthus fish industry in Guangdong Province.
In order to solve the financing problems of the main bodies of feed osmanthus fish, Ping An Property Insurance Qingyuan Branch has innovated and implemented the "insurance + credit" model in cooperation with Qingxin Rural Commercial Bank.
By increasing credit through insurance policies, it has resolved the banks' concerns about risk control when developing loan products, and solved the financing problems of farmers.
However, the development of aquaculture is not only facing financing difficulties, but also facing risks of natural disasters, market price fluctuations and other issues.
Focusing on other risks in the process of osmanthus fish breeding, Ping An Property Insurance has launched an osmanthus fish breeding insurance plan.
According to the implementation plan of the osmanthus fish breeding insurance project in Qingxin District, the district finance subsidizes 75% of the insurance premium, and farmers only need to pay 25% of the insurance premium.
The insurance amount per tail is 25.2 yuan, and the insurance period is divided into 6 months and 12 months, providing different protection plans for farmers.
When the market price of osmanthus fish is lower than the insurance price, the insurance company will be responsible for compensating the difference.
This undoubtedly gives farmers a peace of mind to raise fish.
At the same time, under the guidance of the Qingxin District Agricultural and Rural Bureau, Ping An Property Insurance Qingyuan Branch has also launched a digital quality control system in conjunction with the Qingxin District Fishery Circulation Association and China Mobile to further reduce the breeding risks for farmers.
The system can monitor related breeding indicators for farmers in real time, such as oxygen content and temperature.
When the indicators are abnormal, it can also send early warning information to farmers.
In addition to hardware measures, Ping An Property Insurance Qingyuan Branch has also established a long-term cooperative relationship with the Pearl River Fisheries Research Institute, providing regular breeding advice to farmers to help them "raise good fish".
"Technology protects farmers": Let farmers rest assured to "farm".
The "Hundred Thousand Project" takes county-level economy as the starting point, takes strong townships as nodes, and takes harmonious and beautiful rural areas as the foundation, and is fully implemented in 122 counties (cities, districts), 1609 townships (streets), and 26,500 administrative villages (communities) in Guangdong Province.
Undoubtedly, the advancement of this project cannot be separated from the support of financial water and also needs the help of technology.
Especially in the development of modern agriculture in rural areas, technology helps to improve the ability of agriculture to prevent and reduce disasters and prevent and control diseases and pests, so that farmers can rest assured to "farm".
It is understood that under the guidance of the Enping City Agricultural and Rural Bureau, Ping An Property Insurance Jiangmen Central Branch has created an AI agricultural industry big data platform for Enping, which includes 6 intelligent monitoring stations, 1 set of big data platforms, En Xiaoyang AI assistant and AI insight.
For example, in the field of pest monitoring, after the intelligent monitoring station's insect trap captures insects, it identifies their types through high-precision cameras and counts the number.
En Xiaoyang AI assistant analyzes these data in real time and judges whether there is a pest disaster through AI integration and analysis capabilities, and notifies farmers to take early disaster prevention in time.
Through functions such as data-driven decision-making and risk management, Enping AI agricultural industry big data platform has effectively provided big data support for the prevention and control of diseases and pests, and increased the yield of rice per acre by about 200 jin.
When farmers encounter planting troubles, such as how to protect the plants and control insects, how to prepare for disaster prevention, etc., they can also use En Xiaoyang AI assistant to "one-click" to give answers.
For complex problems that AI cannot answer, farmers can also take photos and leave messages to experts on the platform, and they can get "tailor-made" plans for agricultural technology guidance, planting management, pest control, disaster prevention and loss reduction, etc., with a few clicks.
These are just a glimpse of Ping An Group's support for the "Hundred Thousand Project".
It is understood that by the first half of this year, Ping An Bank has supported 49 rural industrial economic projects in Guangdong Province, with a total subsidy of 230 million yuan, and has reduced fees and benefits for customers in Guangdong Province by more than 488 million yuan through means such as applying for interest rate discounts and bearing or exempting credit-related fees, and has provided more than 9 billion yuan of financing support for the development of agriculture, counties, and infrastructure in Guangdong Province; Ping An Property Insurance has provided more than 10.914 billion yuan of risk protection for 161,200 farmers and agricultural enterprises in 21 cities in Guangdong Province.
In addition, it has also innovated and launched the "Revitalization Protection" industry co-construction model to further introduce financial water and promote industrial prosperity.From the "Three Rural Services" of insurance, finance, and healthcare, to the "Hundred, Thousand, Ten Thousand Project", Ping An Insurance (Group) Company of China has always adhered to the original intention and mission of "serving the people with finance", actively fulfilling corporate social responsibility, and fully leveraging the advantages of "integrated finance + healthcare".
In the process of serving national strategies, local economic development, and supporting rural revitalization, Ping An contributes its strength.
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