久久亚洲国产成人影院-久久亚洲国产的中文-久久亚洲国产高清-久久亚洲国产精品-亚洲图片偷拍自拍-亚洲图色视频

US EUROPE AFRICA ASIA 中文
Business / Industries

Loan scheme helps Tibet's small businesses grow

By JIANG XUEQING (China Daily) Updated: 2015-07-30 07:59

Loan scheme helps Tibet's small businesses grow

Bank clerks on their way to Ngari prefecture in the Tibet autonomous region to visit clients on horseback. They travel to agree loans or collect repayments no matter what the weather is like. The region is 4,500 meters above sea level. [Photo/China Daily]

Credit rating policy rolled out by Agricultural Bank of China has allowed farmers to expand their operations and increase annual incomes

Jampa Norbu lives in a village in Lhunzhub county, which is 60 kilometers away from Lhasa, the capital of the Tibet autonomous region. He has a family of seven, 8.24 acres of land and nine cattle. Most of the family's income comes from farming highland barley and wheat.

In 2011, he took out a three-year loan of 30,000 yuan ($4,830) from the Agricultural Bank of China Ltd to buy farm machinery. Ever since, his income has increased 20 percent annually on average to 60,000 yuan.

After he paid it off last year, he applied for another loan of up to 200,000 yuan. Jampa Norbu hopes to use the money to buy 15 more cows and build a cattle farm along with three poverty-stricken families, who will work with him.

"I expect to recover the investment in two years by selling more than 9.7 liters of milk a day as well as breeding calves," he said. "The government also gives us fodder subsidies of more than 1,000 yuan per cow per year."

Back in 2003, the Agricultural Bank of China Ltd, the nation's fourth-largest lender by assets, introduced a "character loan" service in Tibet.

Local bank officials visit each family in the region and conduct a simple survey. This involves their financial situation, their reputation and business prospects.

With the help of the village chief and township government, the bank rates each household's credit at different levels.

The families that are granted a top-level "diamond card" can apply for loans of up to 200,000 yuan, at the poverty alleviation rate of 1.08 percent, without putting up collateral. Those families receiving the lowest-level "bronze card" are allowed to borrow no more than 20,000 yuan.

"Before the bank introduced the 'character loan' service to Tibet, it was hard for many farmers in this region to receive bank loans because they lacked sufficient collateral," He Qin, head of Lhunzhub county sub-branch of Agricultural Bank, said.

Obviously, some of the loans borrowed by farmers and herders are often small, just 1,000 yuan, according to Migmar Wangdu, manager of Agricultural Bank's Tibet branch.

"This makes it cost-ineffective for the bank to conduct pre-loan investigations and post-loan reviews for each one," he said.

Twelve years after it was launched, 95 percent of the families in Tibet have a "character loan" card. As of June 30, the outstanding character loans in the region were more than 15 billion yuan.

They have been used to expand tourism services, buy machinery and even finance construction projects. The nonperforming loan ratio of Agricultural Bank's Tibet branch was only 0.49 percent by the end of May.

Previous Page 1 2 Next Page

Hot Topics

Editor's Picks
...
主站蜘蛛池模板: 乱人伦中文字幕视频 | 在线 | 一区二区三区 | 国内精品91最新在线观看 | 日韩精品小视频 | 亚洲视频中文字幕在线观看 | 在线精品视频在线观看高清 | 视频精品一区二区 | 加勒比一区二区 | 国产黄a三级三级三级 | 国产精品一区亚洲一区天堂 | 国产成人在线视频免费观看 | 男女交性拍拍拍高清视频 | 国产免费久久精品99久久 | 亚洲成a人不卡在线观看 | 免费人成在线观看 | 亚洲精品一区二区观看 | 欧美成人xxxx | 一级毛片美国一级j毛片不卡 | 欧美色视频在线观看 | 日本黄页免费 | 99久久免费精品视频 | 亚洲依依成人综合在线网址 | 日韩免费在线视频 | 亚洲免费专区 | 一区二区三区亚洲视频 | 男人好大好硬好爽免费视频 | 亚洲精品一区二区 | 国产精品高清一区二区 | 美女黄视频免费观看 | 国产精品亚洲综合 | 免费网站看v片在线香蕉 | 精品热线九九精品视频 | 久久频这里精品香蕉久久 | 香蕉久久国产 | 亚洲国产成人久久综合区 | 久久亚洲精品成人 | 伊人久久综合热青草 | 成人免费xxx色视频 成人免费大片a毛片 | 久久九九精品视频 | 亚洲精品成人 | 久久欧美精品欧美久久欧美 |