中国名茶之乡 全国重点产茶县  梵净山茶

印江土家族苗族自治县位于贵州省东北部、铜仁市西部，地处国家级自然保护区——梵净山西麓，拥有德天独厚的地理位置及气候条件，是茶叶种植的“黄金区域”。印江县种植茶叶已有600多年历史，是“中国名茶之乡”“全国重点产茶县”，也是国家地理标志保护工程项目“梵净山茶”的主要种植地区之一。

茶农护理茶林。工行印江支行供图

据调查，印江全县已形成“五带三园”产业布局，茶园遍布全县17个乡镇，投产茶园达21.47万亩，有茶叶加工企业265家，其中有基地有加工厂的176家，小作坊89家。从表面上看印江茶产业发展模式已相对成熟，但是相当大一部分企业都存在资金投入不足、周转困难等问题。“国家现在政策好，对茶产业发展也是相当支持，但是在实际经营过程中，茶园管护、茶青收购、人工工资等需要大量的流动资金，赊销模式下企业会出现周期性资金周转困难。我们很多茶企业没有抵押物，在银行融资相对困难。有的就算有抵押物，利息也挺高。”一位从事多年茶叶生产的小微企业主语重心长地说道。

工行铜仁印江支行在得知这一情况后迅速展开行动，按照上级行乡村振兴工作要求，结合贵州省“一县一业”“十二大特色优势农业产业”发展实际，主动作为、真抓实干，紧紧围绕县域“2+N”产业经济布局，立足印江县茶产业“股份制龙头企业+区域中心企业+专业合作社”发展模式，拟定《印江县茶叶“产业兴农贷”实施细则》，并于2021年4月底成功获得上级行审批落地。

授予“2021年度金融支持乡村振兴先进单位”荣誉称号。工行印江支行供图

该方案是为印江县茶产业量身定制，旨在通过严谨调查研究县域产业布局、精心设计小微茶企业授信方案、严格把控信贷风险关口、全面落实配套金融服务，为当地乡村产业提供整套金融服务方案，助力银政企合作迈上新台阶，实现新效益。经过对方案的落实推动、对员工的业务培训、对当地企业的走访宣讲，该行产业兴农贷产品得到了广泛认可。截至目前，该行已为县域22户茶企累计注入金融活水2160万元，并配套收单、代发工资等金融产品和服务，让远离城区的农业种植、加工企业不再为了融资与资金管理而奔波、发愁。

印江茶产业基地。工行印江支行供图

在该行的金融助力下，印江茶产业发展模式不断巩固、基础建设不断完善、产品品质不断提高，同时带动了当地至少1000名农村人口就业。“因为疫情，外出务工安全性和收入待遇都受到影响。自从咱们县大力发展茶叶种植以来，我在家门口就可以挣到钱了!自己的家乡山好、水好又比较安全，老人家、娃娃都能照顾到，只要肯干，还能多挣钱哩!”当地一茶企员工真诚且幸福地说。

通过不懈努力，工行铜仁印江支行在金融支持乡村振兴工作领域的付出得到当地县政府的肯定，授予“2021年度金融支持乡村振兴先进单位”荣誉称号，尤其对该行在壮大县域茶产业基础、打造梵净山茶“新名片”、助力黔货出山方面做出的积极探索提出赞许。

下一步，工行铜仁印江支行将继续响应国家“乡村振兴”战略号召，不断强化责任担当、创新工作思路，在金融支持乡村振兴方面大作“文章”，不断做大普惠、做实普惠、做优普惠，为区域经济发展、企业壮大、人民幸福贡献力量

Yinjiang Tujia and Miao Autonomous County is located in the northeast of Guizhou Province and the west of Tongren City. It is located at the west foot of Fanjing Mountain, a national nature reserve. With its unique geographical location and climatic conditions, it is a "golden area" for tea planting. . Yinjiang County has a history of planting tea for more than 600 years. It is the "Hometown of Famous Tea in China", "National Key Tea-producing County", and one of the main planting areas of the National Geographical Indication Protection Project "Fanjing Mountain Tea".

Tea growers take care of tea forests. Photo courtesy of ICBC Yinjiang Sub-branch

According to the survey, the whole county of Yinjiang has formed the industrial layout of "five belts and three gardens", with tea gardens covering 17 townships in the county, with 214,700 mu of tea gardens put into production, and 265 tea processing enterprises, including 176 bases and processing plants, There are 89 small workshops. On the surface, the development model of Yinjiang tea industry is relatively mature, but a considerable number of enterprises have problems such as insufficient capital investment and difficulty in turnover. "The country's current policy is good, and it is quite supportive for the development of the tea industry, but in the actual operation process, tea garden management, tea green acquisition, labor wages, etc. require a lot of liquidity, and enterprises will encounter periodic capital turnover difficulties under the credit sales model. Many of our tea companies do not have collateral, so it is relatively difficult to obtain financing in the bank. Even if some have collateral, the interest is quite high." A small and micro enterprise owner who has been engaged in tea production for many years said earnestly.

ICBC Tongren Yinjiang Sub-branch quickly took action after learning of this situation. In accordance with the requirements of the higher-level bank's rural revitalization work, combined with the actual development of Guizhou Province's "one county, one industry" and "twelve characteristic and advantageous agricultural industries", it took the initiative to act and really grasp it. Working hard, closely centering on the "2+N" industrial economic layout in the county, and based on the development model of "joint-stock leading enterprises + regional central enterprises + professional cooperatives" in the tea industry of Yinjiang County, the implementation details of the "Industrial Agricultural Loans" for Yinjiang County Tea were formulated ", and successfully obtained the approval of the higher-level bank at the end of April 2021.

Awarded the honorary title of "Advanced Unit for Financial Support Rural Revitalization in 2021". Photo courtesy of ICBC Yinjiang Sub-branch

The plan is tailored for the tea industry in Yinjiang County. It aims to provide local rural industries with rigorous investigation and research on the industrial layout of the county, carefully design credit granting plans for small and micro tea enterprises, strictly control credit risk thresholds, and fully implement supporting financial services. A complete set of financial service solutions to help bank-government-enterprise cooperation reach a new level and achieve new benefits. After the implementation and promotion of the plan, the business training for employees, and the visits and presentations to local enterprises, the industry's agricultural loan products have been widely recognized. Up to now, the bank has injected a total of 21.6 million yuan of financial living water into 22 tea enterprises in the county, and provided financial products and services such as billing and salary payment, so that agricultural planting and processing enterprises far away from urban areas are no longer for financing and capital management. Running and worrying.

Yinjiang Tea Industry Base. Photo courtesy of ICBC Yinjiang Sub-branch

With the financial assistance of the bank, the development model of Yinjiang tea industry has been continuously consolidated, infrastructure has been continuously improved, product quality has been continuously improved, and at the same time, at least 1,000 local rural people have been employed. "Because of the epidemic, the safety and income treatment of migrant workers have been affected. Since our county has vigorously developed tea cultivation, I can earn money at the doorstep of my home! My hometown has good mountains, good water and relatively safe. If you can take care of it, as long as you work hard, you can make more money!” said a staff member of a local tea company sincerely and happily.

Through unremitting efforts, ICBC Tongren Yinjiang Sub-branch's contribution in the field of financial support for rural revitalization has been affirmed by the local county government and awarded the honorary title of "2021 Advanced Unit of Financial Support for Rural Revitalization", especially for the bank's efforts in strengthening the county's tea industry foundation, Praise for the active exploration in creating the "new business card" of Fanjing Mountain Tea and helping the export of goods from Guizhou.

In the next step, ICBC Tongren Yinjiang Sub-branch will continue to respond to the national strategic call of "rural revitalization", continuously strengthen responsibility and innovate work ideas, make great "articles" in financial support for rural revitalization, and continue to make bigger and more inclusive benefits, Provide preferential benefits and contribute to regional economic development, enterprise growth, and people's happiness