"This loan not only solved my urgent needs but also came with policy benefits—it was truly a lifeline," said Ge Lixiang, a large-scale farmer in Ge Yao Village, Zhanji Town, Shangqiu City, Henan Province, after receiving the "Yu Nong Dan—Disaster Relief Loan" from PSBC Yucheng Branch. This marked the first such loan issued by PSBC Shangqiu Branch, demonstrating the rapid implementation of an innovative "fiscal + financial" collaborative model to support agriculture, delivering timely aid to affected farming businesses.
Shortly after the "Disaster Relief Loan" policy was introduced, PSBC Yucheng Branch promptly studied its key points, operational model, and target beneficiaries. The branch conducted precise screening of existing clients and identified Mr. Ge as eligible for assistance. Account managers proactively visited him to assess his losses and funding needs while explaining the policy benefits, including waived guarantee fees and fiscal interest subsidies.
PSBC Yucheng Branch actively established a government collaboration platform, breaking institutional barriers to create a tripartite mechanism involving "government guidance, bank lending, and guarantee enhancement." Under this framework, the Yucheng County Agriculture and Rural Affairs Bureau leveraged its policy expertise and client screening capabilities; PSBC streamlined approval processes to expedite financial services; and agricultural credit guarantee companies provided strong risk mitigation. This synergy ensured swift policy execution, achieving a "1+1+1>3" effect.
Moving forward, PSBC Yucheng Branch will deepen cooperation with government agencies and guarantors to expand the reach of pro-farmer policies like the "Disaster Relief Loan," channeling more financial resources to rural areas and bolstering local rural revitalization and high-quality agricultural development.
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