Let Guizhou Yellow Cattle become famous worldwide!
Let Guizhou Yellow Cattle become famous worldwide!
Turning live cattle into “liquid assets” ensures that cattle farming is “well-funded”!
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2025-08-04
(This article is sourced from the “Guizhou Rural Credit” official account.)
Editor’s Note “Even with a fortune in wealth, livestock with fur doesn’t count.” This common saying highlights the difficulties faced by those engaged in animal husbandry. Due to numerous challenges—such as limited fixed assets and difficulty securing third-party guarantees—the funding gap for purchasing livestock and feed has become a major hurdle for farmers seeking to expand production and increase income. “But now, even ‘livestock with fur’ can be counted as real, tangible assets! My farm will definitely be able to expand several times over…” Addressing Farmers’ Needs and Solving Loan Challenges Recently, Guizhou Huacheng Animal Husbandry Co., Ltd. successfully obtained a credit line of 10 million yuan from Tongren Rural Commercial Bank and secured its first live-cattle-backed loan of 2.106 million yuan, using 162 beef cattle as collateral. This loan will be used to pay an advance deposit to upstream enterprises for the purchase of 800 beef cattle. This loan marks the first-ever live-cattle-backed loan in the Wan Shan District beef cattle breeding supply chain, precisely supporting enterprises in expanding their production scale and fostering coordinated development across the upstream and downstream sectors. To address the pain points of “difficult financing and expensive collateral” faced by livestock enterprises, Tongren Rural Commercial Bank has innovatively launched the “Live Beef Cattle Collateral” loan product. This model takes living biological assets (beef cattle) as the core collateral and, through a “one-time credit approval, revolving credit use” mechanism, enables borrowers to complete loan application, collateral registration, and disbursement all on the same day, while also allowing borrowers to repay loans flexibly and as needed. Relying on a comprehensive service framework of “Bank + Insurance + Live-Cattle Collateral + Technology-Based Monitoring,” the product leverages IoT technologies—such as smart ear tags—to dynamically monitor collateral assets and provides complementary insurance risk coverage. This effectively addresses the dilemma faced by agricultural entities lacking traditional collateral, transforming “cattle production” into “assets” and turning “local cattle” into “golden cattle.” Fast Disbursement Helps Farmers Transform Tongren Rural Commercial Bank has extended a unified credit line of 37 million yuan to Guizhou Wanshan Ruichang Fei Food Co., Ltd.—the province’s leading slaughtering enterprise—and its upstream breeding companies, helping to build an integrated base covering “breeding-slaughtering-processing-cold-chain-sales.” As the city’s only A-level slaughtering enterprise, Guizhou Wanshan Ruichang Fei Food Co., Ltd. is currently upgrading its production lines to meet Hong Kong’s supply standards. Its upstream partners, including Huacheng Animal Husbandry and Zhonghua Agriculture—large-scale breeding enterprises—are simultaneously benefiting from this financial boost, forming a new industrial landscape characterized by “leading enterprise driving growth and collaborative chain enterprises working together.” Innovative Products, Excellent Service Traditional collateral often fails to meet enterprises’ financing needs. However, the emergence of the innovative live-cattle collateral model has brought new hope to Guizhou Huacheng Animal Husbandry Co., Ltd. Zhao Shiguo, the company’s head, said: “The live-cattle collateral has truly made us feel the convenience of turning ‘cattle assets’ into ‘liquid funds’! In the past, due to the lack of hard collateral such as factories or land, our financing channels were severely restricted. Now, thanks to the live-cattle collateral loan, not only are the procedures simple and interest rates favorable, but we’ve also promptly addressed the funding gap for procurement. This loan provides solid support for expanding our breeding scale, and we’re full of confidence in deepening our involvement in the beef cattle industry and boosting regional incomes!” With the financial support of Tongren Rural Commercial Bank, beef cattle farmers are brimming with confidence in their development. The successful launch of Tongren Rural Commercial Bank’s “Live Beef Cattle Collateral” loan product has opened up a brand-new path to solving the longstanding challenges of “difficult loans, difficult guarantees, and difficult collateral” in the traditional livestock industry. By leveraging financial innovation, the bank is putting into practice the concept of “turning cattle production into assets and assets into funds,” laying a solid foundation for the scaled and standardized development of the beef cattle industry in Wan Shan District. Contributed by: Tongren Rural Commercial Bank Edited by: Xiao Yin Reviewed by: Wang Wenping (This article is sourced from the “Guizhou Rural Credit” official account.)
Editor's Note
“As rich as one may be, anything with fur on it doesn’t count.” This popular saying vividly illustrates just how challenging it is to be in the livestock industry. Due to numerous obstacles—such as limited fixed assets and the difficulty of securing third-party guarantees—the funding gap for purchasing livestock and feed has become a major hurdle for farmers seeking to expand production and boost their incomes. “But now, even ‘things with fur’ can be counted as real, tangible assets! That means my farm will definitely be able to expand several times over…”
Asking Farmers for Their Needs to Solve Loan Difficulties
Recently, Guizhou Huacheng Animal Husbandry Co., Ltd. successfully obtained a credit line of 10 million yuan from Tongren Rural Commercial Bank and secured its first live-cattle-backed loan of 2.106 million yuan—using 162 beef cattle as collateral—to pay an advance deposit to upstream enterprises for the purchase of 800 beef cattle. This loan marks the first-ever live-cattle-backed lending transaction in the beef cattle breeding supply chain in Wanshan District, providing targeted support for the company to expand its production scale and fostering coordinated development across the upstream and downstream sectors.
Addressing the pain points of “difficult financing and high collateral costs” faced by livestock enterprises, Tongren Rural Commercial Bank has innovatively launched a “live cattle collateral” loan product. This model uses live biological assets—specifically, beef cattle—as the core collateral. Through a “single credit approval with revolving credit utilization” mechanism, the entire process—from loan application and collateral registration to loan disbursement—can be completed on the same day, and the product supports “borrow as needed, repay as desired.” Relying on a comprehensive service framework integrating “banking + insurance + live-cattle collateral + technology-based supervision,” the product leverages IoT technologies (such as smart ear tags) to dynamically monitor the collateral. Coupled with complementary insurance risk coverage, this approach effectively addresses the challenge faced by agricultural entities lacking traditional forms of collateral, transforming “cattle production” into “asset value” and turning “local cattle” into “golden cattle.”
Fast loan disbursement helps farmers transform.
Tongren Rural Commercial Bank has extended a unified credit line of 37 million yuan to Guizhou Wanshan Ruichang Fei Food Co., Ltd.—the province’s leading enterprise in slaughtering volume—as well as to its upstream livestock-raising enterprises, helping to build an integrated base spanning “raising, slaughtering, processing, cold-chain logistics, and sales.” As the city’s sole Class-A slaughterhouse, Guizhou Wanshan Ruichang Fei Food Co., Ltd. is currently upgrading its production lines to meet Hong Kong supply standards. Meanwhile, its upstream large-scale livestock-raising enterprises, such as Huacheng Pastoral and Zhonghua Agriculture, are also benefiting from this financial support, thus fostering a new industrial landscape characterized by “leading enterprise driving growth and collaborative efforts among chain enterprises.”
Innovative products, excellent service.
Traditional collateral assets have proven insufficient to meet the financing needs of enterprises. However, the emergence of the innovative live-cattle-pledge model has brought new hope to Guizhou Huacheng Animal Husbandry Co., Ltd. Zhao Shiguo, the company’s head, said: “The live-cattle pledge has truly allowed us to experience the convenience of turning ‘cattle assets’ into ‘liquid funds’! In the past, due to the lack of hard collateral such as factories and land, our access to financing was severely limited. Now, thanks to live-cattle-pledge loans, not only are the procedures simple and the interest rates favorable, but we’ve also been able to promptly address the funding gap for procurement. This loan provides a solid foundation for expanding our breeding operations, and we’re full of confidence in deepening our involvement in the beef cattle industry and boosting income growth in the region!”
With financial support from Tongren Rural Commercial Bank, beef cattle farmers are full of confidence in their development.
The successful launch of Tongren Rural Commercial Bank’s “Live Beef Cattle Pledge” loan product has opened up a brand-new pathway to address the longstanding challenges faced by the traditional livestock breeding industry—namely, difficulties in obtaining loans, securing guarantees, and providing collateral. By leveraging financial innovation, this product puts into practice the concept of “turning cattle production into assets and assets into capital,” laying a solid foundation for the scaled and standardized development of the beef cattle industry in Wanshan District.
Contributed by: Tongren Rural Commercial Bank
Editor: Xiao Yin
Editor-in-chief: Wang Wenping
(This article is sourced from the “Guizhou Rural Credit” official account.)
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