One passion fruit, half a cup of natural juice. At present, it is the harvest season, and the golden passion fruit in Anyuan County, Ganzhou City, Jiangxi Province has entered the concentrated harvesting period. Fresh fruits with rich fruit aroma and moderate sweetness and sourness are being shipped from the mountainous areas of southern Jiangxi to various parts of the country, becoming a bright spot in the summer consumer market. Anyuan Golden Passion Fruit is a key characteristic advantage industry developed locally, with high economic benefits and long harvesting cycles. However, the time mismatch between the continuous investment of funds for spring planting and autumn harvesting and sales receipts has long plagued many growers and is the main bottleneck restricting the expansion and efficiency of orchards.

As an efficient economic crop that is planted and bears fruit in the same year, Golden Passion Fruit has a clear production rhythm: it is planted from January to March every year, bears fruit about four and a half months later, enters the comprehensive harvesting season in July, and the harvesting period can last until December. The economic planting period for a single plant can reach four to five years. Multiple batches of harvesting, considerable fresh fruit production, and stable industry revenue expectations, but the funding chain requirements for the entire process are equally strict. Spring fruit seedling procurement, land preparation and shelving, water and fertilizer management, mid year pest and disease control, labor picking during the harvest season, cold chain packaging, warehousing and logistics, each link requires centralized and large expenditures. The demand for funds during the peak harvest season has sharply increased, while the return of funds for fruit sales is relatively lagging behind. The financial pressure on fruit farmers is particularly prominent, directly affecting the daily operation and development momentum of the orchard.

Sister Wei, a farmer, has been engaged in passion fruit cultivation for many years and has contracted dozens of acres of orchards in the local area. The fruit has stable sales and excellent quality. With the arrival of this year's harvest season, expenses such as purchasing cold chain equipment, hiring picking workers, expanding fruit seedlings, and building storage facilities have been concentrated and stacked, putting sudden pressure on capital turnover. The originally planned orchard expansion plan has also been forced to be put on hold. After learning about Wei Jie's actual difficulties, the Anyuan branch of Jiujiang Bank took the initiative to provide services in the field. The staff went into the fields to inspect the growth of the orchards and verify the operating conditions, eliminating the need for farmers to travel to and from the branches and allowing financial services to reach the production line directly.

On the basis of accurately evaluating the characteristics of the industry and the needs of farmers, the Anyuan branch of Jiujiang Bank matched Wei Jie's exclusive agricultural product "Yi Nong Dai" and tailored personalized credit plans. By simplifying the approval process and speeding up loan disbursement efficiency, 150000 yuan of agricultural funds were quickly disbursed, specifically for key links such as the purchase of cold chain equipment, expansion of fruit seedlings, and harvesting and operation, resolving urgent issues in a timely manner. After the injection of funds, Wei Jie's orchard operated smoothly and grew well; The newly added cold chain equipment effectively solves the pain points of difficult preservation and easy loss of passion fruit, ensuring better quality of fresh fruit. After picking, it can be cold chain directly sold to various places. This loan not only ensured the high yield and hot sales of this quarter, but also laid a solid foundation for the large-scale development of the orchard and the expansion of planting and production in the coming year.

In Anyuan, there are still many passion fruit growers like Wei Jie. The large initial investment and long return cycle in the cultivation of characteristic fruits and vegetables are key nodes for expanding and increasing yields. The funding gap is often the biggest obstacle to development and has become a common bottleneck restricting the quality and efficiency improvement of rural characteristic industries. Jiujiang Bank has always focused on the development needs of county-level characteristic agriculture, adhered to sinking to the front line of rural areas, relied on inclusive products such as "Easy Agricultural Loans", and promoted exclusive services such as on-site loan processing, simplified procedures, and fast loan disbursement. It accurately adapts to the growth cycle of crops and the pace of farmers' operations, effectively alleviating the problems of farmers' financing difficulties, slow financing, and turnover difficulties. In the past three years, the Anyuan branch of Jiujiang Bank has served 925 households and issued over 255 million yuan in inclusive agricultural loans.

One fruit promotes industry, one loan helps revitalize. The small passion fruit is not only a "wealth fruit" for farmers to increase their income, but also a characteristic business card for rural industrial revitalization. Next, Jiujiang Bank will continue to adhere to the original intention of "finance for the people", continuously optimize agricultural financial services, iterate and upgrade agricultural credit products, accurately connect with the development needs of rural characteristic industries, and use more warm and powerful inclusive finance to help increase agricultural efficiency, farmers' income and rural revitalization. (Du Meiyan)