Henan Economic Daily reporter Yang Lei correspondent Gao Haoxin
"Manager Lu, I'm here again, can there be a preferential loan interest rate this year?" In early November, in the credit office of the Donghua branch of Dengfeng Rural Commercial Bank, Ma Zhongsheng from Beiyinpo Village came to lu Chuanlin, an account manager, with his wife. Brother Ma was the earliest critical letter user of Donghua Sub-branch, and he was also an old customer of Lu Chuanlin.
When he was young, Hemp learned cattle breeding techniques and now has more than 20 years of breeding experience. This year's beef prices are good, Ma Big Brother wants to continue to use credit loans, heard that there is the latest policy, he came with his wife with documents.
"Come, big brother and sister-in-law, I'll tell you about the preferential policies." You use the loan to repay the principal and interest in a timely manner, and you have rich breeding experience and high risk resistance, which is a high-quality customer of our bank. This afternoon I went to my home with my colleagues to investigate..." Lu Chuanlin, the account manager, patiently explained to Brother Ma and his wife.
In the afternoon of the same day, the account manager Lu Chuanlin and colleague Yuan Peipei came to the home of Brother Ma to investigate, Brother Ma currently breeds 23 large cattle and 8 calves, because he wants to enter another batch of calves and feed, so he wants to apply for a loan of 150,000 yuan to expand the scale of breeding. After the household investigation, Big Brother Ma pulled the account manager Lu Chuanlin and said: This has just experienced the disaster, I did not expect that we Dengfeng Rural Commercial Bank also vigorously supported our farmers to resume work and production, it is really warm! I still have a question on my side, is it affected by the disaster, and our procedures will be slower?"
Lu Chuanlin smiled and said to Brother Ma: "Rest assured, our lending speed is absolutely fast, and it is very convenient to use the money, which is just a matter of these two days!" Manager Lu's words dispelled the superiority of Big Brother Ma's worries and made Big Brother Ma also eat a reassuring pill.
"Ding-dong, you have new information." At the door of the Donghua branch, Brother Ma's mobile phone rang.
"Okay, that's it, you can bring it up on our mobile bank." Account manager Lu Chuanlin said to Big Brother Ma. "So soon? And really!" Big Brother Ma rubbed his eyes, and when he saw the SMS reminder of the loan arriving, it was difficult to hide the excitement in his heart.
Doing a good job of establishing a social credit system is not only conducive to improving the rural creditworthiness environment, preventing and defusing rural financial risks, and accelerating the establishment of rural credit culture and spiritual civilization, but is also conducive to optimizing the financing environment, solving the problem of difficulties in obtaining loans from farmers, promoting peasants' income increase and agricultural efficiency, ensuring the development of the "three rural areas" and social stability, establishing a good rural economic order, and promoting the comprehensive, coordinated, and sustainable development of the county economy.
In the future, the vast number of employees of Dengfeng Rural Commercial Bank will still be like golden swallows, riding on the gentle spring breeze, sending family reserve funds to thousands of households, and working with the people to sow a golden seed called "credit", and look forward to the joy of harvesting in the future.