Chain-type inclusive finance breaks through the sands of CBHB (09668) to help "green prosperity and common development".

Recently, CBHB (09668) launched an inclusive financial innovation practice in the hinterland of the Ulan Buh Desert in Inner Mongolia. In response to the long-standing problem faced by upstream growers of national-level agricultural leading enterprise Shengmu Grass Industry, which is the difficulty in obtaining loans without collateral, the bank abandoned the traditional reliance on hard assets such as real estate for credit, and pioneered a chain financing model of "bank credit + core enterprise guarantee + farmers' use of funds", injecting financial liquidity accurately into desert ecological management and organic industry chain. By January to May 2026, CBHB had cumulatively issued loans totaling over 45.37 million yuan to growers, effectively supporting the ecological restoration project of turning 200 square kilometers of desert into an oasis, and forming a replicable "industry chain + finance" collaborative model. This model not only solved the periodic financing difficulties of farmers in terms of "short, small, frequent, urgent", but also established a three-dimensional risk control system to ensure a security bottom line, achieving the coordinated growth of ecological, economic, and social benefits, providing a vivid example for financial assistance in rural revitalization and green development. Precise irrigation nurtures good fields, and chain services break through financing bottlenecks. In the hinterland of northern Xinjiang, on the edge of the Ulan Buh Desert, a 200 square kilometer oasis is witnessing the miracle of turning sand into gold. Shengmu Grass Industry has turned the desert into an organic pasture over fifteen years, establishing an organic recycling system of "grass-livestock-manure-field-grass", and won the "People's Enterprise Social Responsibility - Green Development Case" by People.cn Co., Ltd. in 2025. However, the majority of upstream growers faced long-term financial pressure of "short, small, frequent, urgent" due to the lack of effective collateral and narrow financing channels, directly constraining the stable expansion of the industry chain. CBHB conducted in-depth field research and innovatively introduced credit products tailored for farmers. This model does not require government credit enhancement, nor does it require farmers to provide hard assets such as real estate. Instead, it relies on the historical cooperative data between the core enterprise, Shengmu Grass Industry, and the growers, the land management status, and individual credit profiles to establish a dynamic "white list". The loan funds are specifically used for land rent payments and agricultural inputs, with entrusted payments directly transferred to the counterparty, ensuring "precision irrigation, dedicated use of funds". Customer managers actively collect documents, verify the planting area and soil moisture in person, allowing farmers to complete the application, approval, and disbursement process without leaving their homes. The loan term is highly matched with the grass growth cycle, and the repayment dates seamlessly coincide with the sale of grass and the return of funds, effectively reducing the periodic repayment pressure brought by concentrated investments of farmers. In terms of efficiency, CBHB relies on a working mechanism of "leadership coordination, multi-department collaboration, and total division linkage" to open a green channel for approval, establish a "wholesale + retail" service model, and meet the overall supply chain needs of the core enterprise while flexibly responding to the financing timeliness requirements of farmers, truly achieving convenience and efficiency. Building a three-dimensional risk control system to erect barriers, calculating a long-term ecological bill While improving financing convenience, CBHB established a three-dimensional risk control system of "customer white list + core corporate guarantee + full-process fund supervision" to build a defense line for sustainable development of inclusive finance. The core enterprise, Shengmu Grass Industry, provides joint liability guarantees for upstream growers, transmitting the core credit of the industrial chain to the end. The bank monitors the growers' planting records, land lease contract performance, and grass industry procurement data dynamically, forming a closed-loop management of information flow, fund flow, and logistics flow. After the loan is issued, the funds operate in a closed account, and during repayment, Shengmu Grass Industry assists in deducting the principal and interest, greatly reducing the post-loan management costs and default probabilities. This triangular stable structure of "core enterprise taking risks, bank managing funds, farmers focusing on production" not only ensures the security of the bank's debt rights but also compels farmers to value their credit records, forming a virtuous cycle. The results brought by this model are not limited to financial data. The stable supply of funds allows Shengmu Grass Industry to expand its organic pasture planting scale, further consolidating the achievements of desert ecological restoration, and promoting a virtuous cycle of "ecological restoration - industry development - farmers' prosperity". Former desert farmers and herders have transformed into industrial workers, with per capita income steadily increasing, achieving a win-win-win situation of "desert greening, enterprise efficiency enhancement, and farmers' income increase". CBHB is using this cooperation as a blueprint, replicating and promoting the experience of "chain-based inclusive finance" to more characteristic agricultural and animal husbandry scenes, continuously optimizing credit models and operational processes, enhancing service coverage and satisfaction around key agricultural seasons such as spring sowing and autumn harvest, and contributing a more solid financial strength to rural revitalization and the construction of a "beautiful China".