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河北省海兴县紧邻渤海湾,盐滩较多,历年来盐业贷款主要靠企业担保,模式单一。为了进一步加大盐业贷款投入,更好地发展盐业生产,海兴县联社充分发挥本地资源优势,打破了传统观念和传统模式的束缚,大胆创新,积极拓展出“滩涂抵押贷款、船舶抵押贷款、多户联保贷款”三种新的贷款模式,既有效地解决了制约贷款投放的“瓶颈”问题,又推动了地方特色化产业的集约化经营和快速发展,实现了社农“双赢”。
Haixing County, Hebei Province, close to the Bohai Bay, Salt Beach more salt loans over the years mainly by corporate guarantee, a single model. In order to further increase investment in salt industry and better develop salt production, Haixian County Associated Press has given full play to its local resource advantages, broke the shackles of traditional concepts and traditional models, boldly innovated, and actively expanded its “beach mortgage loan, Ship mortgage loans, multi-family guaranteed loans ”three new loan models, not only effectively solve the“ bottleneck ”restricting the loan delivery, but also promote the intensive operation and rapid development of local characteristics of the industry to achieve Social farmers “win-win ”.