Dairy Cow Commander Gets Rich by Raising Dairy Cows
At 5 a.m., 45-year-old Yang Pingzi gets up early to prepare fodder for nearly 100 dairy cows in the cowshed. In early summer, the weather is rainy, and the grass by the fields grows lush and thick. Amid the bustle, the sky gradually brightens. This is the start of an ordinary day for "Dairy Cow Commander" Yang Pingzi.
In 2012, Yang Pingzi rented a cowshed and bought 5 dairy cows, becoming a breeder at the "Hongfu" dairy farm in Sanjia, Jiaojiang. The milk freshly squeezed daily at the dairy farm is all purchased by dairy producers, so the sales channel is guaranteed. Increasing output is the key. All his savings were invested in buying new dairy cows, but where would the funds come from? Yang Pingzi thought of taking out a bank loan.
"As soon as they heard that I had only 5 dairy cows, that I was registered as a non-local resident, and that I had no assets at all, they wouldn't lend to me."
Just when Yang Pingzi was at his wit's end, he happened to meet a loan officer from Bank of Taizhou who was visiting the Sanjia farm for outreach and marketing. He told the loan officer his "business plan" and even led the loan officer to his cowshed. When the loan officer saw it on site, the dairy cows had clearly been carefully tended, each one full of energy, and the cowshed was also swept very clean. Two days later, a small-business loan of 30,000 yuan was granted to Yang Pingzi. After that, the scale of dairy farming grew larger and larger, reaching 40 cows in 2014 and nearly 100 by early 2016. As the scale grew, the need for funds also expanded, and the amount of the small-business loan handled at Bank of Taizhou rose from 30,000 yuan at the beginning to 80,000, and then to the most recent 100,000 yuan.
Through the hard work of the husband and wife, the dairy farming business has done better and better. Today, Yang Pingzi has become a major cattle-raising household at the Sanjia farm, with an annual income of nearly 200,000 yuan. Several years have passed, and as his eldest daughter married, his daughter and son-in-law also "set up their own household" and began engaging in dairy farming. Yang Pingzi also called his brother-in-law from his hometown to Taizhou to work in this industry. Today, his son-in-law Li Yong and brother-in-law Yao Jiahu have both become clients of small-business loans, following in Yang Pingzi's footsteps to prosper together.
The reporter learned that the "small-business loan" is a special loan product launched by Bank of Taizhou in 2006, mainly serving small and micro enterprises, self-employed industrial and commercial households, family workshops, and farming households. Over 10 years, small-business loans have cumulatively disbursed 71.6 billion yuan, supporting nearly 530,000 small and micro clients. Among them are many entrepreneurs like Yang Pingzi who went to other places to strive for success. Small-business loans do not emphasize collateral, have a low loan threshold, and loan officers also visit households to provide "one-on-one" considerate service, offering suitable financial products to laborers who previously could not obtain credit support from financial institutions. The successful road to wealth of the "Dairy Cow Commander" is being "replicated" in more and more cases.
(Ge Xingxing)