Pratt for the "heart"

● Yueqing Rural Commercial Bank's inclusive finance three arrows

In the past four years of restructuring, we have always adhered to the "small and beautiful" differentiated business model. Zhejiang Yueqing Rural Commercial Bank has embarked on a road of distinctive inclusive finance, and at the same time achieved a balanced and balanced development of quality, scale and efficiency. The bank not only ranked first in the comprehensive evaluation of management and management in Zhejiang Rural Credit System for three consecutive years, but also was short-listed by the National Agricultural Commercial Bank Benchmarking Bank, the National Banking Small and Micro Enterprise Financial Services Advanced Unit, and the National Rural Finance in 2017. The institutional competitiveness evaluation (asset size below 50 billion yuan) ranked first.

The heart of the peasants, the love of the countryside, the use of live agricultural land, is the three effective ways for Yueqing Rural Commercial Bank to implement inclusive finance.

Heart-to-peasant "small loans" drive big development

"Thanks to the loans of the Rural Commercial Bank, the days are now very vivid." Ye Fei, who lives in Xianxi Town, said. With the support of Yueqing Rural Commercial Bank loan, Ye Fei, who planted watermelon in Hainan, covered the building and opened a small car to create a self-owned brand. Ye Fei is a microcosm of the foreign music, and the 100,000 loan customers of Yueqing Rural Commercial Bank are mostly “three rural” customers like Ye Fei. As of the end of December 2017, the bank's loan scale reached 26.8 billion yuan, and the proportion of agriculture-related loans exceeded 90%.

Yueqing Rural Commercial Bank has its own answer to the problem of “three rural” and small and micro enterprises financing and financing. On the one hand, in-depth practice of inclusive finance. Through the establishment of credit villages, comprehensive credit village (market) assessment and whole village credit granting work, Yueqing Rural Commercial Bank assumes the task of small-scale poverty alleviation loans in all poverty-stricken mountain areas of the city. Since 2011, the bank has distributed 420 million yuan of poverty alleviation loans to support more than 10,000 households. The bank first promoted the large-scale instalment of pensions in the province's rural credit system, and issued 560 million yuan of loan loans to land-losing farmers. At the same time, it launched the “Zhejiang Loan” pure online credit loan in the province's rural credit system, and the farmers relied on credit. You can get a loan without leaving your home.

On the other hand, Yueqing Rural Commercial Bank strongly supports small and micro enterprises, strengthens the credit quota and efficiency of small and micro enterprises, and implements the loan service commitment system on the line of Pratt & Whitney Express and small and micro-cars, and stipulates that the loan will be settled within one day. The loan will be completed and completed within 3 days. In order to reduce the financing costs of small and micro enterprises, the bank launched “micro-loan” from the perspective of enterprises, simplifying the data requirements such as financial statements; and launching the “continuing loan” review system loan, the loan can be “borrowed and renewed”; Micro-credit cards and entrepreneurial cards can be granted once, three years, and with the loan. Small and micro enterprises do not have to worry about short-term loans.

Up to now, Yueqing Rural Commercial Bank has formed a “two high and one low” credit structure, that is, the proportion of agriculture-related loans is high, the proportion of small loans is high, and the average loan per household is low, and “people have no people, people I have the misplaced advantage of being excellent, and being better and better, and effectively avoiding risks. As of the end of December 2017, the bank's non-performing loan ratio was only 0.96%, far below the Yueqing banking average.

Love the rural "village to village" service "last mile"

“To withdraw money from the Rural Commercial Bank, you don’t have to go to the town. You can take a few steps to the harvest station in the village. Now you can see the business of the Rural Commercial Bank’s door-to-door business and publicity of financial knowledge. It is convenient to withdraw money and loan. !! Wang Aunt of Longshantou, Dajing Town said sincerely.

The ordinary villagers like Wang Aunt can really feel the financial services are around, thanks to the fact that Yueqing Rural Commercial Bank has been based on “three rural issues” and small-scale services, multi-channel and multi-angle to meet the development of “agriculture, rural areas and farmers”. Diversified financial needs.

In terms of rural channel construction, the bank implemented a bumper harvest “village to village” project, and built a service system of “one town (street) one outlet, one community one service point, one village and one machine”, and regularly arranged mobile service vehicles and mobile The terminal provides on-site services to the villages, enterprises, and farmers, so that farmers can enjoy basic financial services without leaving the village. The bank has made great efforts to popularize mobile banking and mobile payment. The number of mobile banking customers reached 344,300, and the replacement rate of e-banking reached 89%, ranking first in the province's rural credit institutions.

In terms of services, Yueqing Rural Commercial Bank has freely represented more than 1 million households including urban and rural residents' endowment insurance, rural new-type medical insurance, and direct food supplements, and distributed 1.89 million copies of debit-based debit cards. Wan Zhang, accounting for 70% of the total bank card issuance in the city. The bank implemented the “five exemptions” for the income card and the free handling of mobile banking and online banking fees. In addition, the bank also carried out in-depth financial services such as “sweeping the streets, sweeping villages, sweeping the gardens, and sweeping households”, launching a special “Looking for the Loan Festival”, relying on the local cultural brand “People's Stage” to promote service to the countryside and culture. In the township, more than 20 such events have been held.

Activate sleeping capital with live agricultural land “agricultural housing loan”

Xu Da told the reporter about her own story: "I am a clothing dealer. Because the purchase of funds requires 500,000 yuan, I mortgaged the farmhouse property of my own collective land and applied for 'agricultural housing loan' to Yueqing Rural Commercial Bank. I thought that I got a loan of 500,000 yuan the next day. It was raining in time!"

It is understood that since the early 1990s, Yueqing Rural Commercial Bank has begun to explore rural mortgage loans, and treats rural houses built on collective land as mortgages on state-owned land. The cumulative amount of loans is over 20 billion yuan. After the pilot was launched, Yueqing Rural Commercial Bank was boldly exploring and stepping up its efforts to inject financial “live water” into the mortgage of rural houses.

At present, the bank's rural mortgage loan policy benefits the rural areas of Yueqing, confirming the rights, empowerment and living rights of the rural houses and housing sites, and realizing the realization of rural assets. The originally sleepy rural capital has begun to “make money” and effectively improve The potential value of farmers’ property has increased farmers’ income. In order to make profits as much as possible for farmers, Yueqing Rural Commercial Bank has made efforts in assessing fees, guarantee fees, and loan interest rates. According to reports, they negotiated the value of the real estate mortgage loan of less than 2 million yuan to determine the value of the property. Each household can reduce the loan evaluation fee by 500-750 yuan. At the same time, it does not require customers to purchase personal accident insurance and real estate insurance to effectively reduce the burden on farmers. In addition, the farmer's mortgage loan is also used to issue farmhouse mortgage loans. The interest rate is no more than 5.75%. The mortgage loan interest rate issued by using self-owned funds is generally lower than that of guaranteed loans.

Behind the situation of "three rural", rooted in "agriculture, rural areas and farmers", and returning to "agriculture, rural areas and farmers" is the strategic culture of Yueqing Rural Commercial Bank "hearts and farmers". Over the years, Yueqing Rural Commercial Bank, which serves the majority of “small” customers, has grown quietly. As of the end of 2017, the bank's deposit balance was 33.6 billion yuan, an increase of 16.2 billion yuan from the end of 2011, accounting for 54% of the new deposits in Yueqing; the balance of various loans was 26.8 billion yuan, an increase of 14.8 billion yuan from the end of 2011. Yueqing City's new loans increased by 46%; Inclusive finance was further upgraded, with 100,000 household loans, accounting for one quarter of the total number of farmers in Yueqing City. The bank's loans have covered 911 administrative villages in Yueqing City, achieving “winners in silver farmers”. "The good situation."

● Anji Rural Commercial Bank's convenient service is not enough to leave the village

In order to provide equal income and inclusive financial services to urban and rural residents, Anji Rural Commercial Bank of Zhejiang Province can enjoy convenient financial services for the villagers without leaving the village. In recent years, they have persistently invested a large amount of people, money and material resources to improve The payment and settlement environment has promoted the full coverage of basic financial services, and has realized the layout of townships and villages with branches, village facilities, and convenience.

Relying on "e-banking" to ease the withdrawal of people's withdrawal

Anji has 15 townships (streets) and 188 administrative villages (communities), and the farthest administrative village takes two hours to drive. “The bank that was closest to us in the past is the rural commercial bank in the town. It takes 10 kilometers to get the money to get the money and subsidies. Sometimes, because there are many people waiting in the queue, you have to run a few miles to get it done.” Wu Baocai from the village of Dongling Village talked about the past and seemed helpless.

At present, the bank has set up full-featured sub-branches capable of handling deposits, withdrawals and remittances in all 15 townships and towns in Anji County. Each sub-branch has a small credit loan counter, which makes the credit of user loans as convenient as deposits. Meanwhile, the bank also enable mobile service vehicles in-depth administrative villages, relying on the 4G Wireless Network technology, 603,883 people moved to the counter, attending stocks doorstep for folks to provide "not within the village into the city, financial services delivered to their doorsteps." "Zero distance" service. In addition, the bank fully utilized the functional advantages of “self-service banking”, and deployed 40 self-service outlets, 204 self-service equipment and 4,248 POS machines in the jurisdiction, which can self-service for deposit transfer, small cash withdrawal, information inquiry, etc. The service does not charge a service fee.

Relying on the “Fengfeng Station” to move the counter to the village

It is understood that in addition to layout outlets and services, Anji Rural Commercial Bank also actively launched special services such as customer manager station and inclusive financial liaison, and also spared no effort in promoting e-banking applications through mobile banking, online banking, and payment. In the construction of demonstration areas, the electronic replacement rate has been significantly improved.

It is worth mentioning that the bank's harvesting station project has gradually become a new carrier for serving the grassroots. It is understood that the "Fengfeng Station" service covers all kinds of financial business consulting, payment and settlement, agency payment, and e-banking services on-site, and can also accept on-site credit business, e-commerce business, wealth management business, etc. It not only meets the needs of various financial services of community residents, but also allows everyone to enjoy rich and affordable value-added services, which is welcomed by the people.

At present, the bank has 40 business outlets under the jurisdiction of the county, and has successfully established 194 harvesting stations to achieve full coverage of all administrative villages in the county. At the same time, the bank will continue to carry out the mobile “rich harvest station” into the village and into the community activities, through the combination of fixed stations and mobile station services, to fully enhance the radiation and penetration of the bank's community financial services.

● Jurong Rural Commercial Bank's spring ploughing and ploughing funds

This reporter reported that Wang Feng correspondent Qian Chen reported that this year, Jiangsu Jurong Rural Commercial Bank closely focused on the characteristics of local agricultural industry, went deep into the field, actively prepared for spring ploughing, and passed the 30 billion yuan of spring ploughing loan funds for the city's agricultural production. Provides strong financial support. As of the end of February, the bank's loan balance was 14.094 billion yuan, an increase of 544 million yuan over the beginning of the year.

It is understood that Jurong Rural Commercial Bank has continuously upgraded the level of service agriculture modernization based on the agricultural development strategy of “100-mu family farm, thousand-mu modern agricultural park and 10,000-mu high-standard farmland” proposed by the municipal party committee. On the one hand, the bank strongly supports modern agriculture, timely provides infrastructure investment projects loans, agricultural procurement loans, actively serves the modern agricultural industrial system, effectively supports vegetable permanent bases, horticultural standard gardens, standardized scale farms, forest fruit breeding, 000061 fresh produce, direct marketing and other diagnostic share of project development; on the other hand, the strong support of new business entities in rural areas, actively support family farms, farmer cooperatives and other new agricultural industries in rural areas, and increase efforts to support traditional agriculture, including farmers' cooperatives Large-scale rural operators such as model institutions, large-scale breeding households, large processing enterprises, and farmer brokers.

In order to fully understand the demand for spring farming production funds of the farmers under its jurisdiction, Jurong Rural Commercial Bank formulated a work plan in a timely manner, combined with the “Sunshine Credit” work carried out in recent years, deepened into the rural and rural households, improved customer information, and established and improved various electronic files. . The visit process has realized the full coverage of the growers' visits, the full coverage of the well-developed growers, and the credit coverage of the growers with loan intentions, which further improved the sunshine visit rate. At the same time, through the investigation, the bank collected first-hand information and materials, carefully measured the total amount of spring farmer's funds required by farmers this year, and provided sufficient funds for spring plowing.

Jurong Rural Commercial Bank also launched a simple loan product to further optimize the process, seamlessly connect the lending link and the credit link, and significantly reduce the time for loan. As of the end of February, the bank issued 376 simple loans with an amount of 16.52 million yuan. At the same time, the bank actively recommended small-scale poverty alleviation loans, entrepreneurial guarantee loans and other special credit products during the visit, further reducing the financing costs of farmers. As of the end of February, the bank had 20 small-scale poverty alleviation loans, an amount of 310,000 yuan, and 1034 business-guaranteed loans, with an amount of 70.54 million yuan.

● Kaihua Rural Credit Cooperatives

The picture shows the customer manager of Kaihua Credit Union is handling loans for farmers in Taoxi Village, Qinyang Office. Qi Zhensong Zhuge Hong photo

In the past few days, the account manager of the Kaihua Rural Credit Cooperative, Chengguan Credit Cooperative of Zhejiang Province, came to the villages with the loan forms, materials and laptops, mobile terminals and other equipment to go through the endowment insurance business for the landless farmers, which is convenient for farmers. You can borrow from the village.

In view of the fact that some land-losing farmers are mostly insured with large age, low income, and no collaterals, since 2017, Kaihua Rural Credit Cooperative has launched the “lost farmer's pension insurance loan”, which is tailor-made for the urban and rural residents' pension insurance system. Huimin products mainly help difficult personnel, especially land-losing farmers, to solve the problem of financial difficulties in paying basic pension insurance at one time. The product will widen the client's age to 70 years old, and the same family can apply for multiple households; the loan credit is guaranteed by the personal pension account; the loan term is flexible and can be determined according to the age and economic situation of the borrower. Up to 15 years; implementation of the benchmark interest rate. Up to now, this loan product has accumulated 2,461 land-losing farmers in the county, with a loan amount of 75.98 million yuan.

● Guangxi Rural Credit Cooperatives trillions of funds to revitalize the countryside

This reporter reported that Xu Youren, a correspondent of Xu Youren, reported that in Guangxi, 88 out of every 100 permanent residents chose the services of Guangxi Rural Credit Cooperative.

In recent years, Guangxi Rural Credit Cooperatives have played a major role in rural finance, inclusive finance and people's livelihood finance. From the beginning of 2013 to the end of 2017, the rural credit cooperatives accumulated 1,144.8 billion yuan of loans, accounting for about 22% of the banking strength of the Guangxi banking industry, and distributed more than 99% of the poverty alleviation loans and 64.12% of the farmers in Guangxi's banking industry. Loans, more than 60% of poverty alleviation leading enterprise loans and nearly 50% of agriculture-related and small-micro enterprise loans have laid a solid foundation for the rural revitalization strategy.

Guangxi has a permanent population of more than 48.85 million, while Guangxi Rural Credit Cooperative has more than 43 million customers. As an important force in the financial institutions of the region, Guangxi Rural Credit Cooperatives set off half of the local support for agriculture, and ensured the provision of responsible and sustainable “three rural” financial services by deepening the construction of service mechanisms. At the same time, in accordance with the “sustainable growth” of agriculture-related credits and the “three no less than” work objectives of small and micro enterprise financial services, the agency has separately listed the agriculture-related and small- and micro-enterprise credit plans, formulated a small financial service work plan for supporting agriculture, and strengthened work. Measures, refine the assessment methods, formed a relatively sustained and steady support mechanism for supporting agriculture, and gradually developed into the main channel for credit support for “agriculture, rural areas and farmers” and the development of small and micro enterprises, increasing agricultural production in Guangxi, increasing farmers' income and rural economic society. Development has made unremitting efforts.

In the process of helping to get rid of poverty, the agency actively carried out financial support for characteristic industries such as agriculture, tourism, and national culture in poverty-stricken areas. The bananas in Longan, the vegetable baskets in Youjiang River Valley, the tourism industry in Bama and Longsheng, The aluminum processing of Pingguo is deeply benefited. The agency accurately meets the financial services needs of poor areas and poor people, and actively promotes industrial poverty alleviation, so that it can “pay for loans”. As of the end of 2017, the number of credits granted by the poor households reached 94.93%, and the number and balance of loans to poor households were 480,700 and 22.57 billion yuan respectively. The amount of small-scale poverty alleviation loans issued by Guangxi Rural Credit Cooperatives accounted for more than 99% of the banking industry in the whole region. The amount of loans issued in 54 poverty-stricken counties, the credit coverage of poor households, the amount of loans issued by poor households, and the number of households with poor households Poverty alleviation work has achieved the first score in the region, providing a solid financial support for the region to win the fight against poverty.

At present, Guangxi Rural Credit Cooperative has built the largest and only inclusive financial system in Guangxi (autonomous region), city, county, township and village (street), and opened the “last mile” of rural financial services. At the same time, the agency will implement a benchmark interest rate of 10% for the production and living loans of the immigrants in the reservoir area, and the benchmark interest rate for the poverty-stricken households to purchase (build) housing loans will drop by 20%. The children of poor households go to school, treat medical treatment, poverty alleviation and development, family planning and honesty, etc. The poverty alleviation of rural households to implement the benchmark interest rate, the general farmer operating loan interest rate floating benchmark interest rate between 10% and 20%. These measures can reduce interest expenses by about 1 billion yuan per year for the resettlers and poor farmers in the reservoir area.

In addition, Guangxi Rural Credit Cooperatives continued to implement the banking service charges in the Nanning, Beihai, Qinzhou and Fangchenggang four cities in the Beibu Gulf Economic Zone, and launched 17 overseas welfare policies such as Guishengka Global ATM withdrawal, which will benefit the society 300 million each year. Diversified, and for nearly 11 million farmers in Guangxi, free of charge for nearly 40 projects of various benefits subsidy accounts, the benefits of farmers directly distributed to farmers, the Huimin policy to thousands of households, set up A bridge between the party and the government and the peasants.

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