分期乐普惠“冬枣专家”上门服务解难题 ，助力六元一颗的大荔冬枣不误农时

Core Insights - The article discusses the winter jujube cultivation in Dali County, Shaanxi, highlighting the three types of greenhouses used for different maturation periods, with the earliest harvest starting in May and the latest in October [1][2][12]. Group 1: Industry Overview - Dali County is recognized as "China's Jujube Town," with winter jujube cultivation covering tens of thousands of acres and the entire industry chain's output value exceeding 10 billion yuan [2][12]. - The winter jujube's market not only thrives domestically but also exports to Central Asia, Europe, and the United States, making it a pillar industry for local economic development [2][12]. Group 2: Financial Challenges - Farmers face significant financial pressure due to high costs associated with winter jujube cultivation, including heating equipment, daily maintenance, fertilizers, and labor during the busy season [2][4][12]. - A specific case is highlighted where a farmer, referred to as Old Dong, experienced cash flow issues and faced difficulties obtaining loans from traditional financial institutions due to collateral requirements and bureaucratic hurdles [5][15]. Group 3: Innovative Financial Solutions - The article introduces the role of Fenqi Le Puhui, a financial service provider that offers localized financial solutions without the need for collateral, addressing the challenges faced by small micro-businesses and individual entrepreneurs [7][19]. - Fenqi Le Puhui employs a localized service model, utilizing local staff familiar with regional agricultural practices to provide financial services directly to farmers, thus overcoming traditional financial service limitations [19]. - The service allows for quick loan approvals based on actual business performance rather than standard collateral, enabling farmers to access funds rapidly, often within minutes, to meet their operational needs [19].