Should loan to help farmers platform - the public propaganda

  • Created:
  • / Author: Aaron Lewis



Our birth:

Can not be ignored, in the rapid development of the Chinese still have tens of thousands of farmers, especially rural women living in poverty, lack of opportunity, but they have good credit and in urgent need of financial support. Therefore, a have a genuine and sincere desire to help the poor project started, with credit to create opportunities for the rural poor.

This is the birth of appropriate agricultural loans, began in 2009. This is a poor rural women's P2P credit to help farmers platform, will you love directly to them. Through appropriate agricultural credit platform, you and those in poor areas, credit good need financial support to rural women together -- they want their work to change the life, but the total lack of a little money. You can direct, one-on-one will surplus funds to them, and then you will witness the development history, their loan repayment, to get rid of poverty. In the appropriate loan platform, you can choose to recover after the expiry of borrowing, or cycle to lend money to lend the next batch of recipients, to help more people.

In recent years, the whole world tens of thousands of people love to join the appropriate agricultural loan, help China poor rural women. Close cooperation with public welfare microfinance institutions should be around agricultural and devoted to poverty alleviation, micro credit repayment rate reached 100%. Each minimum lending only 100 yuan, one thousand or two thousand yuan of funds to change the poor farmers of life.

 

Our vision

Through appropriate loan platform to provide a strong capital and ideas support for rural microfinance institutions, promote micro credit loans to help farmers to flourish in the countryside.

Through our cause, cause more people to pay attention to China about 20000000 poor farmers, help farmers poverty as soon as possible.

With our help, the rural area a number of grassroots entrepreneurs excellent grow faster and better, to realize their ideals and ambitions on the big stage.

Through our efforts, to arouse the attention and recognition to the poor credit value, give credit to truly become the carrier of value, promote urban and rural area China Pratt & Whitney credit.

 

Our philosophy

  • The poor credit, credit value
  • Credit is an asset
  • Believe that the poor survival skills
  • With microfinance to help the poor gain strength

Our work

Should loan is how?

1 should the microfinance institutions of agricultural and rural poverty alleviation properties to establish cooperation

Should loan partners will funds to rural women, and to provide farmers loan information to the appropriate agricultural credit platform. Farmers in the data uploaded to the platform before the loan, suitable partners have funds available to continue borrowing low income households. Should loan platform will farmers borrowing information released to the site, by love lenders receive credit, thus speeding up the limited funds cooperation mechanism utilization, so as to help more poor women.

2 you choose to help a person

You can browse a household story, loans to customers and microfinance institutions contract photocopy documents, select one or more of you would like to help the women, and should be completed in agricultural lending website. Lend the funds will be divided into small portions of farmers from your subscription, each 100 yuan, you can subscribe to more than one.

3 you select recipients to get money to help

Should loan platform will be your funds to a rural microfinance institutions, clear your household borrowing relationship with the recipient.

4 check the recipients of the repayment schedule

You will receive a loan of farmers timely repayment report, share their joy of life to improve their poverty, witness the development history of.

"5 love relay"

Once you select the recipients to fully repay the loan, you can choose to return cash or re lending to new recipients. Or you can start from the lender, is set to direct "circulation loan", realize the love "free relay".

The nonprofit

Should loan to help farmers platform not for profit purposes, as you love feedback, you will get 2% symbolic interest, appropriate agricultural credit platform only a 1% service charge, all other interest income to the partners all mfis.

Our partners

You should provide the loan to the poor rural women's help, by appropriate partners responsible for the implementation of agricultural credit. Should loan partner is on loan credit should help farmers platform profound understanding and identity, are willing to help Chinese vast poor farmers out of poverty, welfare of rural microfinance machine and two years in the rural micro credit experience, the national examination and approval according to law.

The importance of partners

Should loan partners at the grass-roots level, deeply engraved and understanding about the local customs and practices, and has many years of credit management experience. The existence of these micro lending institutions make loans audit and loan operations more efficient and targeted. Through the cooperation between the two sides, can minimize the risk and maximize the utilization rate of capital.

According to statistics, there are already microfinance institutions public welfare nature more than 300 committed to poverty alleviation of the China, but due to the good capital operation method not found, these institutions generally facing the operation and growth predicament, and appropriate agricultural credit advocated "person to person" micro credit loan is just to solve this problem, a important measures for sustainable poverty relief.

Partners recommended

The letter should be Chinese microfinance Alliance (abbreviation: Small Credit Union) governing units, should be clear at present cooperation 12 rural microfinance institutions (MFI, microfinance institutions) are also small credit union members. Small credit union by the rural development research China Academy of Social Sciences and the Ministry of Commerce China international economic and technical exchange center was launched. After the strong support by the National Women's Federation Development department. Small credit union and more than three sponsors will carry on the supervision of all the member institutions, including inspection, supervision is not regular, and annual audit. In addition, the superior administrative unit should be agricultural credit cooperative 8 rural microfinance institutions also belongs to, such as the establishment of financial assistance units, such as the United Nations development program, the plan, the United Nations Children's fund are the regulatory unit.

Existing partners

Shaanxi province Xixiang County women's Development Association

  • - is located in Xixiang County, Hanzhoung city of Shaanxi Province
  • - institution has loans more than 4000000 yuan
  • - 100% of the loans on time pay
  • 2009 - beginning in April, Yi agricultural website the first batch of the recipients of information

Hebei province Laishui county poverty alleviation economic cooperatives

  • Located in Laishui County of Hebei Province
  • - institution has loans more than 20000000 yuan
  • - 99.8% of the loans on time pay
  • 2009 - beginning in June, Yi agricultural website the first batch of the recipients of information

Anding District of Gansu province people win the Dingxi Rong microfinance Service Center

  • Located in Gansu province Dingxi City
  • - institution has loans more than 18000000 yuan
  • - 100% of the loans on time pay
  • 2009 - beginning in July, Yi agricultural website the first batch of the recipients of information

Poverty alleviation in Yucheng County of Henan Province Economic Cooperatives

  • Located in Shangqiu city of Henan Province
  • - institution has loans more than 43000000 yuan
  • - 100% of the loans on time pay
  • 2009 - beginning in November, Yi agricultural website the first batch of the recipients of information

Ningxia Huimin microfinance Bank Limited

  • Located in Yanchi County, Wuzhong City in the Ningxia Hui Autonomous Region
  • - institution has loans more than 200000000 yuan
  • - 100% of the loans on time pay
  • 2011 - beginning in January, Yi agricultural website the first batch of the recipients of information

Micro credit poverty alleviation project LPAC in Datong County, Qinghai Province

  • Located in Qinghai province Xining City
  • - institution has loans more than 13000000 yuan
  • - 100% of the loans on time pay
  • 2011 - beginning in April, Yi agricultural website the first batch of the recipients of information

Fujian province Pingnan County Association of microfinance

  • Located in Pingnan County of Fujian Province
  • - institution has loans more than 70000000 yuan
  • - 100% of the loans on time pay
  • 2011 - beginning in April, Yi agricultural website the first batch of the recipients of information

In rural Qinghai, Tongren County Development Association

  • - located in Tongren County of Qinghai Province
  • - institution has loans more than 6000000 yuan
  • - 100% of the loans on time pay
  • 2011 - beginning in September, Yi agricultural website the first batch of the recipients of information

Sustainable Development Association Zhao Wuda women in Chifeng City

  • Red mountain in the Inner Mongolia Autonomous Region Chifeng City
  • - institution has loans more than 13000000 yuan
  • - 100% of the loans on time pay
  • 2012 - beginning in May, Yi agricultural website the first batch of the recipients of information

The women's Institute for sustainable development

  • Jia County in Shaanxi Province - Yulin City
  • - institution has loans more than 16000000 yuan
  • - 100% of the loans on time pay
  • 2012 - beginning in May, Yi agricultural website the first batch of the recipients of information

Chunhua County Women Development Association

  • Chunhua County, Xianyang City, Shaanxi province Chinese
  • - institution has loans more than 14000000 yuan
  • - 100% of the loans on time pay
  • 2012 - beginning in May, Yi agricultural website the first batch of the recipients of information

Pucheng County women Institute for sustainable development

  • - is located in Pucheng County, Weinan city of Shaanxi Province
  • - institution has loans more than 5490000 yuan
  • - 100% of the loans on time pay
  • 2012 - beginning in June, Yi agricultural website the first batch of the recipients of information

The selection of partners

Agricultural cooperation platform should be willing to lend a hand to all have the ambition, have the ability to offer help to the poor rural women's public welfare microfinance institutions, cooperative conditions are as follows:

  • - year loan scale in 1000000 yuan or more
  • - service number more than 500 people at the same time
  • Historical bad debt ratio of less than 0.5%
  • - audit economic projects and the capacity to help
  • - provides the farmer skill training
  • - has a good network facilities and camera equipment

 

Risk control

1 risks: farmers can not timely repayment

So far, appropriate agricultural credit platform farmers timely repayment rate is 100%.

Through appropriate agricultural credit platform loan of farmers, have to undergo a rigorous screening should be agricultural credit cooperative microfinance institutions. Farmers historical repayment records, credit status, community reputation, borrowing and other factors are taken into account, and through group lending form again to control the risk, these factors are powerful safeguard farmers timely repayment.

In addition, you can through the will to reduce risk dispersing funds to lend more farmers. For example, the money will be 1000 yuan to 10 households, one hundred yuan per person, risk than only 1000 yuan to the individual farmers low.

Perhaps you will have doubt, agricultural project if the natural calamities and man-made misfortunes or irresistible, the mechanism of risk control is difficult to avoid heavy or not timely repayment repayment or not, how does that do? If farmers do not timely repayment, in accordance with the loan should be signed cooperation agreement and microfinance, microfinance institutions to repayment to the lender for farmers.

Risk of 2 microfinance institutions: cooperation risk

When you are on the platform loan, loan will be provided to the public welfare microfinance institutions, by microfinance institutions will fund lending to farmers. Adopt the cooperation and cooperation of microfinance institutions mode, can be more efficient allocation of capital, risk control. Risk is the microfinance operation problems, unable to take back the appropriate agricultural farmers borrowing.

Appropriate credit will strict screening cooperative public welfare microfinance institutions, were evaluated in detail in the mechanism of operation, organization structure, financial performance, a final decision on whether to cooperate. The platform has been agencies are equipped with years of operating experience of micro credit poverty alleviation, historical bad debt rate below 0.5%. Recommend to the appropriate agricultural credit platform of farmers, are cooperative MFI clients, all of these make the loan risk to a minimum.

3 the risk: risk of the platform itself

Like any public welfare projects, appropriate agricultural loan as appropriate letter company helping the agricultural projects, may also be due to various reasons at some stage in the future to stop operation. The letter should comprehensive as wealth management, China leading credit risk assessment and management, credit data integration services, the microfinance industry investment, small and micro credit counseling services and transactions, micro credit to help farmers platform services in one of the modern service industry, is the strong support of agricultural sustainable development should be. The letter advised the company will take a responsible attitude to ensure that lenders of funds do not suffer.

The platform Committee of experts

Expert consultant

Experts

The expert committee Du Xiaoshan:Rural development research China Academy of Social Sciences Institute Vice Director, development of micro credit Chinese promotion network director, experts Chinese three rural issues and the field of microfinance

From the beginning of 1993, Professor Du Xiaoshan will use the Grameen Bank model of Professor Yunus in Chinese rural, set up a "poverty club" to help the poor population in rural areas of Chinese. Although many bankers suspect generally poor repayment ability, he insisted to lend only to Chinese most poor farmers, but do not need any property mortgage. In 16 years, poverty alleviation mechanism under the guidance of Professor Du Xiaoshan has accumulated loans 2 billion yuan, benefiting farmers total about 60000 households, and he was known as "the father of microfinance, rural Chinese"

The expert committee Bai Chengyu:Director of international exchange center of the Ministry of Commerce, the development of micro credit Chinese promote the network secretary general, microcredit experts

Mr. Bai Chengyu and Professor Du Xiaoshan as the development of micro credit Chinese promotion network initiator and coordinator, in support of domestic microfinance institutions to seek their own development, establishment of industry standards and self-discipline supervision mechanism, promote industry information exchange of experience, to provide professional training and financing services, made a lot of milepost type of contribution to the development of micro credit Chinese

The expert committee Zhou Wangsheng:Peking University professor of jurisprudence, Peking University doctoral tutor, director of law research center, Beijing Municipal People's Congress Standing Committee, the construction of the rule of law consultant, vice president of the Chinese legal society, awarded special contribution award of the State Council expert. As Yixin corporate legal counsel.

Mainly engaged in legislation and jurisprudence research and teaching work, in the domestic legislation subject was first founded, published in 1988, the first "legislation", for the legislation of law play an important role in China's rise. Launched in 1994 60 words long treatise "on" legislation, expand, deepen and promote the legislation of China, known as the "father of China legislation"

The expert committee Liu MinquanPeking University: Director of human and economic development research center, director of environmental resources and the development of Economics Department of Peking University, University of Oxford, doctor of economics, professor.

Former Johns Hopkins University - Nanjing University Center for Chinese and American studies professor of economics, University of Cambridge Department of Applied Economics Chinese political and economic researcher, World Bank visiting scholars. As the UK Department for international development and USA Ford foundation evaluation experts funded projects. Current research focus Chinese three agricultural problems, including the rural financial development, the rural health development.

The expert committee Chen Dafei:Partner, HanKun law firms letter should corporate counsel; mainly for domestic, international clients in the capital market, mergers and acquisitions, venture capital, private equity and other aspects of the business to provide legal advice and suggestions.

HanKun law firm based in Beijing, is a company specializing in the field of investment and financing of the legal service of a comprehensive law firm. HanKun partners are from domestic, international law firms or government. Lawyer Chen joined HanKun ago served in the Gao Weishen law firm, Depp law firm and other world famous law firm.

The expert committee Guo Peiyuan:SynTao founder and general manager, corporate social responsibility and social responsibility investment experts in the field. SynTao is a consulting company focused on the field of corporate social responsibility, to promote the development of corporate social responsibility Chinese. The company was established in 2005 and registered in Beijing, in Beijing and Washington Chinese USA are equipped with office.

SynTao many state-owned enterprises, Multi-National Corporation, listing Corporation, NGOs, social responsibility investment fund provides corporate social responsibility of consulting, training and research services, and write the report on corporate social responsibility for the Shenhua Group, Nike, chemical fertilizer enterprises.

The expert committee Pan ZiYale University doctoral candidate: economic sociology, American society membership, research project designers, leaders economic and social appropriate letter P2P credit to help agricultural project learning.

Cooperative Expert Wang ShuguangPeking University: China financial research center of the secretary general, Peking University of Finance and Industry Development Research Center research department minister of rural development, rural financial experts, PhD, associate professor of Peking University School of economics.

Professor Wang is the author of "grass-roots financial", "rural reconstruction -- rural finance and peasant cooperation", " economic transition in the evolution of financial system", "rural finance and new rural construction", "financial liberalization and economic development", "reason and belief -- Reflection on economics", translated "dialogue with economics Master: Interpretation of modern macroeconomics", "global capital markets", presided over the national social science fund projects such as national research project.

Cooperative Expert Liu Lingling:Professor at the Tsinghua University School of economics and management, Renmin University of China, Tsinghua University, postdoctoral, long-term commitment to public finance, macro economic research and policy, rural economic aspects, author of "public finance", "public finance" Chinese many monographs, home economics expert name.

2007-2009 HSBC - Tsinghua University research topic in development of rural financial Chinese group responsible person, have senior experience in rural financial field.

Should Nongwanli line

"Should Nongwanli line" is advised to Xinyi's most influential agricultural credit for rural area social activity. The content and purpose is reflected in its name: "should explain Nongwanli line" -- to farmers to "real benefits", "tangible" help the work is facing a journey of a thousand miles, miles. Should Xinyi agricultural credit, in order to improve the rural quality of life issues, thousands of miles, miles, is big strides forward. In the past two years, have been organized more than ten times study experience, found in Xixiang County, Shaanxi Province, Hebei Province, Gansu Province, Laishui County, Dingxi City, Yanchi County of Ningxia Tongxin County, Yucheng County of Henan province and Inner Mongolia in Chifeng city. Lenders and all the friends visit in every close examination, witnessed the living conditions of farmers, a profound experience great change of microfinance for farmers life bring. Should loan family together with the shaping of "miracle", has been more and more people aware of the profound and practical experience......

 

Join us

Join us to help farmers career!

Join us to help farmers in poverty alleviation and career!
Appropriate agricultural loans below the direction of interns and employees.
The following positions at the same time the trainee opening, full-time and internship resume please send to the mailbox:Hr@yinongdai.comThe name, email"Job name + name", please indicate the job position title, please send resume in the body of paste. Before posting your resume please ensure that you have login should be agricultural website to have a full understanding of the appropriate loan project.

Yi rural credit project loan officer and project manager

Job responsibilities:
In the county economy in vivo incubation base "rural microfinance institutions" work, "read ten thousand books, traveling thousands of miles", with headquarters in Beijing and at the grass-roots level in rural areas of exercise, a profound understanding of the situation China people. The specific works are as follows:
  • Study on planning, improve the entire hatch workflow, determine the direction of development of macro;
  • Analysis of the target market research, information about the local macroeconomic situation, the main industry, per capita income etc.;
  • The organizations involved in the specific preparatory work, including the institution selection, equipment procurement, recruitment and other content, until the body fall to the ground;
  • The recruitment of personnel, and complete the business training and assessment of the;
  • Participate in the credit business risk control and supervision and control work late.
Job requirements:
  • Bachelor degree or above, the micro credit or other relevant financial field has academic and practical experience is preferred;
  • Interested in county economy market, job content approval of the three rural service;
  • Have a strong sense of responsibility and initiative, good team spirit and ability to learn;
  • Be able to travel periodically work requirements.

Should Loan Project Business Management Specialist

Job responsibilities:
  • Responsible for the management of agricultural projects and cooperation should be microfinance institution's business dealings, including farmers credit information, transaction funds management, financial information and analysis;
  • The establishment of rural public welfare microfinance institutions selection, evaluation and cooperative relations;
  • The industry partner development and relationship maintenance.
Job requirements:
  • Public spirited, the correct character;
  • Have the ability to learn and hard-working spirit strong, can accept stage from Beijing in the field;
  • Public welfare projects, rural financial or develop new project experience is preferred;
  • Graduates and non graduates can apply for.

Should loan project Internet Product Specialist

Job responsibilities:
  • Agricultural credit line should be public platform for the daily operation and management, including the introduction of household debt and release of the information, financial generation, user button list of feedback and processing, web traffic data monitoring and analysis;
  • According to the analysis of the use of loving lender feedback and domestic and international similar site investigation, in the web interface design, user experience, site development of new functional improvements, and technology departments work closely with colleagues to complete the implementation of;
  • Assist to agricultural website marketing, website promotion work, develop online promotion mode;
  • Through the analysis of the data, the coordination should be agricultural loans and the product development department, helped launch the online operation projects and activities, improve agricultural websites and community should be the viscosity.
Job requirements:
  • Love of the public and the Internet, have a keen intuition on Internet product;
  • Positive, have a strong curiosity to the new thing;
  • Have good communication skills, understanding and learning ability.

Should loan project promotion specialist

Job responsibilities:
  • Should according to the characteristics of agricultural projects, planning to organize public welfare publicity and promotion activities;
  • Assist operation appropriate loan in Sina micro-blog, watercress, Renren, Kaixin and other social media channels;
  • Responsible for the organization of loving lender, industry partners, experts and scholars visited in the countryside local work to visit;
  • To help develop external partnerships (and the media, enterprises, government and academic institutions), development, design related exchanges, communication activities;
  • Responsible for briefing, websites, annual reports and other propaganda materials planning, editing, production and dissemination of the work, writing the relevant scheme.
Job requirements:
  • Public marketing and event planning experience is preferred;
  • Excellent communication skills, excellent internal and external coordination, high sense of responsibility and team work spirit;
  • Excellent Chinese writing ability, oral expression ability; have strong writing ability and SNS products use habits.