In recent years, Huaxing Group has maintained its "agriculture and small business support" positioning, focusing on addressing the "financing difficulties and slow financing" challenges faced by agricultural business entities. Through continuous product innovation, service process optimization, and enhanced cross-sector collaboration, the company has accelerated the construction of a precise, efficient, and inclusive rural financial service system, injecting sustained financial momentum into agricultural and rural modernization.
**Leveraging Regional Characteristics to Boost Agricultural Industry Upgrading**
Fujian province boasts abundant ecological resources and distinct advantages in specialty agriculture. During their scaling and refinement development processes, numerous business entities often encounter "short-term, small-scale, frequent, and urgent" funding needs. Huaxing Group's subsidiary microfinance companies precisely address industrial chain demands by launching specialized credit products such as "Agricultural Materials Loans" and "Flower Loans."
In Zhangzhou, Huaxing Xiangcheng Microfinance collaborated with Fujian Zhongnong Group to introduce an "Agricultural Materials Loan" service solution, establishing an online rapid lending channel that achieves "same-day application, same-day disbursement," significantly enhancing financing efficiency. The "Flower Loan" specifically supports specialty flower industries including phalaenopsis orchids and narcissus, providing preferential funding for production operations, brand development, and market expansion, earning recognition from farmers as "timely assistance right at their doorstep."
According to relevant executives, such products not only alleviate short-term capital pressure for agricultural business entities but also effectively promote the development of local specialty agriculture toward industrialization and branding.
**Innovative Green Finance Activates Forestry Resource Value**
Huaxing Group actively practices the philosophy that "clear waters and green mountains are invaluable assets," exploring new models for forest rights mortgage financing to break through financing bottlenecks such as "long cycles, large investments, and difficult valuations" in forestry operations, helping achieve the transformation of "resources into assets, green mountains into gold mountains."
Recently, Huaxing Youxi Microfinance successfully processed a 1 million yuan forest rights mortgage loan for a forest farmer. Through in-depth forest area research and multi-departmental coordination to streamline evaluation, registration, and approval processes, the credit facility was efficiently completed. To date, Huaxing's subsidiary microfinance companies have cumulatively issued over 60 forest rights mortgage loans totaling more than 28 million yuan, effectively supporting ecological projects such as forest cultivation and carbon sink forest construction, exploring effective pathways for green finance to promote ecological revitalization.
**Expanding Blue Finance to Activate Marine Economic Potential**
Aligned with Fujian Province's "maritime strength" strategic deployment, Huaxing Group actively explores marine financial services, innovatively launching a movable property pledge financing model using seafood inventory as collateral. By introducing professional third-party supervision institutions like Hangees Cold Chain, the company constructs a dual risk control system of "movable property pledge + cold chain supervision," converting static inventory into effective collateral and breaking traditional credit limitations.
Huaxing Lianjiang Microfinance has provided a 4 million yuan loan to a deep-sea fishing enterprise through this model, helping the company activate inventory and improve cash flow. Currently, Huaxing Group's movable property pledge business has cumulatively disbursed 61.2 million yuan, with business scale continuing to expand and service effectiveness increasingly prominent, providing crucial financial support for solving collateral difficulties faced by seafood processing enterprises and supporting marine industry upgrading.
From farmlands to green mountains and clear waters, from inland villages to vast oceans, Huaxing Group fulfills its "agriculture and small business support" mission through comprehensive, multi-level financial product and service innovation. According to company executives, the group will continue deepening the integrated innovation of green finance, supply chain finance, and digital finance, providing more precise, efficient, and considerate financial services to fully support agricultural and rural modernization development.
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