“Previously, we couldn’t get a loan because we lacked collateral. Now, beef cattle can serve as ‘liquid assets,’ and our first loan of 5 million yuan was quickly approved and disbursed!” said Mr. Yang, Chairman of Guizhou Wanshan Ruichang Fei Food Co., Ltd., recently.

  In recent years, the “Enterprise Home” in Wanshan District has focused on addressing the financing challenges faced by livestock and poultry farmers. It has innovatively introduced a model featuring “precise matchmaking between government, banks, and enterprises + innovative specialized financial products + end-to-end assistance and agency services,” successfully overcoming the longstanding difficulties in the livestock and poultry breeding sector—including “difficulties in obtaining financing, challenging collateral requirements, low loan amounts, and cumbersome procedures”—and helping three breeding enterprises achieve transformation and upgrading. As of October 2025, banking institutions have extended cumulative credit exceeding 30 million yuan through live livestock and poultry collateral loans, injecting strong momentum into the scaled and standardized development of the local livestock and poultry breeding industry.

Precise alignment—breaking through information bottlenecks and providing demand-driven, “point-to-point” services.

  “What enterprises lack and what banks have—previously, these pieces of information didn’t match up, leaving financing consistently stuck.” This was a common challenge faced by many aquaculture enterprises in the past.

  To break down information barriers, the “Enterprise Home” in Wanshan District has established a closed-loop service mechanism featuring “demand collection—categorized promotion—follow-up implementation.” In collaboration with units such as the Wanshan District Bureau of Agriculture and Rural Affairs and Tongren Rural Commercial Bank, the team conducted on-site visits to more than 10 large-scale livestock enterprises—including Guizhou Huacheng Pastoral Industry and Zhonghua Agriculture—and compiled a clear list of financing needs. In response to common issues, they submitted a proposal to the district government for the issuance of the “Implementation Plan (Trial) for Livestock and Poultry Live-Animal Pledge Loans in Wanshan District, Tongren City,” integrating agricultural and rural, financial, and insurance resources to build a comprehensive service system covering the entire process—from registration and appraisal to credit approval and loan disbursement.

  Meanwhile, we regularly organize “Government-Bank-Enterprise Symposia,” inviting banking experts to provide on-site interpretations of policies and introduce financial products, enabling enterprises and financial institutions to connect “face-to-face” and significantly boosting financing efficiency.

Product Innovation—Turning Beef Cattle into “Living Collateral” and Developing “Loans” That Don’t Wait for Equal Terms

  “With 162 beef cattle pledged as collateral, a loan of 2.106 million yuan was immediately credited to our account—and we promptly used it to pay the deposit for the purchase of 800 beef cattle!” In August 2025, Mr. Zhao, the head of Guizhou Huacheng Pastoral Industry, experienced this firsthand, making “live-asset pledging” a hot topic among local livestock farmers.

  This is the “Live Cattle Collateral Loan” jointly launched by Wanshan District’s “Enterprise Home” and Tongren Rural Commercial Bank, marking the first time that living biological assets have been included in the legal scope of collateral. The product adopts a “one-time credit approval, revolving credit usage” model, built on a framework of “Bank + Insurance + Live Cattle Collateral + Technology-Based Supervision.” It leverages smart ear tags to enable dynamic monitoring of the collateral and is paired with insurance coverage to mitigate credit risks.

  Even better, thanks to the successful matching of this loan with the People’s Bank of China’s relending funds for supporting agriculture and small businesses, the annualized interest rate has been cut in half compared to conventional rates! Mr. Zhao, the company’s head, said happily, “The live-asset pledge has truly relieved our urgent need—now we feel much more confident about our future development!”

　　 Full-Process Assistance—Dedicated Specialists “Help and Handle on Your Behalf,” Accelerating the Financing Process

  To address the cumbersome nature of corporate loan procedures, the “Enterprise Home” in Wanshan District has introduced a “one-on-one” dedicated assistance and agency service that covers the entire process—from loan application and document preparation to disbursement. When Guizhou Huacheng Animal Husbandry applied for a loan, a dedicated official from the district’s Bureau of Agriculture and Rural Affairs proactively visited the company to provide guidance on preparing documents such as registration forms and farm layout diagrams, and also coordinated with the bank to establish a “green channel,” enabling the company to successfully secure financing.

  As the only Class-A slaughtering enterprise in Tongren City, Guizhou Wanshan Ruichang Fei Food Co., Ltd., with the assistance of the “Enterprise Home” in Wanshan District, has successfully secured a credit line of 20 million yuan for the renovation of its Hong Kong-standard production line, effectively promoting the development of an integrated industrial chain across the district encompassing “breeding—slaughtering—processing—cold-chain logistics—sales.”

  Next, the “Enterprise Home” in Wanshan District will continue to focus on the challenges faced by enterprises throughout their entire lifecycle and across all stages of development. It will also step up efforts to promote policy and financial products, enabling more livestock and poultry breeding enterprises to operate with greater agility and efficiency, thereby injecting strong momentum into the high-quality development of the district’s animal husbandry industry.

   (Source: WeChat public account “Wei Wanshan”; if there is any infringement, please contact us for removal.)