Forge the original heart to the future Strive to sail and break the waves
——Lanzhou Rural Commercial Bank helps local economic development
Wang Wenyong, secretary of the party committee and chairman of the board of directors of the Gansu Rural Credit Cooperatives Union, conducted research and guided the work.
Lanzhou Rural Commercial Bank celebrated the 100th anniversary of the founding of the Communist Party of China and the commendation meeting of "two advantages and one first".
Du Yajun Wang Xiao
Those who fall into reality think of their trees, and those who drink from them cherish their sources. As a local commercial bank, Lanzhou Rural Commercial Bank has always adhered to the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, adhered to the principle that party building dominates corporate governance, party building promotes business expansion, and party building guides reform and development, and provides a strong political guarantee for high-quality development with high-quality party building.
Under the leadership of the Provincial Associated Press, the bank conscientiously implements the decision-making and deployment of the Party Central Committee, the State Council, the provincial party committee and the provincial government, thoroughly implements the new development concept, adheres to the general tone of the work of seeking progress in a stable manner, vigorously supports local economic development, practices social responsibility, gives play to financial advantages, focuses on preventing and resolving financial risks, forges ahead, reforms and innovations, and contributes solid financial strength to the comprehensive construction of a new socialist modernization in Gansu.
The party banner leads the way in a steady and far-reaching way to promote development
Lanzhou Rural Commercial Bank firmly grasps the "navigation" of party building, enhances the "four consciousnesses", strengthens the "four self-confidence", achieves "two maintenance", gives full play to the important role of the party committee in "taking the direction, managing the overall situation, and ensuring implementation", and creates a "red engine" for high-quality development.
Implement "party building + financial services" to open up the "last mile" of financial services. The bank actively gave play to the vanguard and exemplary role of party members in agriculture-related outlets, and carried out in-depth activities of "walking to hundreds of villages, entering thousands of homes, and visiting thousands of households". Party members lead employees to take the initiative to enter villages and households, provide farmers with high-quality financial services and credit fund support, and strengthen the cultivation and support for the new generation of farmers and professional farmers.
Create a platform of "party building + learning interaction", deepen the exchange and cooperation between the bank and the government, the bank school, and the bank-enterprise, actively carry out exchanges and cooperation with the Lanzhou University Science and Technology Park, hold the "Lanzhou Rural Commercial Bank Cup" Lanzhou University high-level talent innovation and entrepreneurship competition, take the initiative to dock the incubation enterprises in the science and technology park, provide personalized financial products, solve the financing difficulties and financing costs of scientific and technological innovation small and micro enterprises, help the transformation of scientific and technological innovation achievements into actual productivity and economic benefits, and promote cooperation between finance and innovation entities in a wider range and at a higher level. We will make every effort to provide high-quality financial services for scientific and technological innovation enterprises and potential projects. In order to solve the difficult problems such as the difficulty and difficulty of enforcement of litigation cases and the lack of legal knowledge of cadres and employees, procurators are invited to interpret the law by case, explore the misunderstandings that exist at key nodes such as case preservation, trial and enforcement, analyze the difficulties and crux of litigation enforcement, and effectively improve the enforcement rate.
The bank conscientiously studied and implemented the spirit of the Sixth Plenary Session of the Nineteenth Central Committee of the Communist Party of China and the spirit of General Secretary Xi Jinping's "July 1st" important speech, promoted the study and education of party history, and led various businesses to a new level. At the same time, we will actively implement the decision-making and deployment of the Party Central Committee, the State Council, the provincial party committee and the provincial government on resolving financial risks, take the initiative to adjust the credit structure, reduce the cost of funds, revitalize non-performing assets, and improve operational efficiency. By the end of 2021, the total deposits and loans of Lanzhou Rural Commercial Bank accounted for 8.05% and 6.86% of Lanzhou's banking financial institutions respectively, ranking in the top five.
The relationship manager of Lanzhou Rural Commercial Bank visited the customers.
The relationship manager of Lanzhou Rural Commercial Bank went deep into the field to serve the "three rural areas".
Help the "three rural areas" to add vitality to the service place
Serving the "three rural areas" is a special mission entrusted by the state to the agricultural cooperative institutions.
Over the years, Lanzhou Rural Commercial Bank has actively practiced the mission of supporting agriculture and supporting small enterprises, combined with the characteristics of serving the "three rural areas", sincerely doing practical things, doing good things and solving difficulties for the masses, vigorously improving the rural financial service system, devoting itself to solving the problem of "urgent difficulties and expectations" for the masses, actively playing the role of serving the "three rural areas", serving the community, and serving small and micro enterprises, and constantly improving the people's sense of gain, happiness and satisfaction.
The bank continues to innovate products and services, comprehensively improve the efficiency of loan delivery to agriculture-related small and micro enterprises, and optimize the structure of public customer groups. Through the introduction of new third-party inventory regulators, an internal competition mechanism will be formed to reduce the financing costs of agriculture-related small and micro enterprises. Through deepening cooperation with policy-based guarantee companies, exploring multi-level and different risk-bearing guarantee cooperation models with provincial agricultural undertaking companies, establishing new business cooperation relations, and vigorously promoting lanzhou rural commercial bank's special financial products such as "agricultural undertaking loans", "industrial and financial loans" and "agricultural undertaking through trains".
In order to continuously improve the rural financial service capacity, the bank continues to increase the layout of financial service terminals and maximize the role of the rural financial comprehensive service room.
In order to effectively cooperate with the Lanzhou Municipal Party Committee and Municipal Government to carry out the construction of rural comprehensive financial service rooms, the bank actively docks with the financial offices of various districts in Lanzhou City, combines the business of the agricultural financial room with the construction of the bank's convenient financial service points, on the one hand, provides personnel support to the agricultural financial room, selects the account manager with strong business ability as the financial service member of the agricultural financial room, and regularly carries out financial knowledge lectures and financial risk prevention publicity to regional farmers; on the other hand, selects the convenient financial service points with mature conditions as the financial service window of the agricultural financial room. Provide basic financial services to farmers. These measures have effectively met the needs of farmers in the gap of financial services for basic financial services such as deposits, withdrawals, payments, inquiries, and transfers.
In order to achieve the efficiency and convenience of financial services, the bank implements the integration of online and offline methods, actively introduces the support of third-party financial technology companies, makes full use of Internet thinking and tools, establishes a "new retail" business platform, and launches the "Jincheng e-loan" online loan business, which fundamentally solves the problems of customer loan difficulties, expensive loans, many materials and complicated procedures, effectively improves customer service and user experience, and wins good social response.
Lanzhou Rural Commercial Bank "popularize financial knowledge into ten thousand homes" business publicity activities site.
Active service Rural revitalization bright real moves
Based on consolidating and expanding the results of poverty alleviation and the effective connection between rural revitalization, Lanzhou Rural Commercial Bank adheres to the principle of "doing small, scattering, refining, and controlling risks", continues to deepen the main position of "three rural areas", takes the loan delivery of farmers and small and micro enterprises as an effective means to optimize the business structure, implement retail transformation, and improve the quality and efficiency of development, and continuously promotes financial service resources to the "three rural" field. By the end of December 2021, the bank had issued a total of 194 small loans to support agriculture, amounting to 9.2952 million yuan, driving poverty-alleviated households to develop production and improve their lives, and injecting financial vitality into rural revitalization.
Increase credit for key agricultural areas such as planting and aquaculture development. In view of the fact that farmers are generally faced with the problem of lack of effective collateral in the loan process, actively promote the way of credit loan delivery, take the initiative to strengthen business cooperation with the Provincial Agricultural Credit Guarantee Co., Ltd., and include large-scale agricultural machinery, machinery and equipment, inventory, enclosures, cattle and sheep livestock, and rural land contract management rights into the scope of counter-guarantee, focus on solving the problem of farmers' guarantees, and maximize credit lending for farmers.
At the same time, through innovating the development model of "bank + industrialized leading enterprise + peasant household" and "enterprise arrival (pledge) guarantee + guarantee company guarantee", we will actively launch financial products such as "rich people's industrial loan", "Xinglong cooperative loan" and "poverty alleviation assistance loan" developed by the provincial federation, issue special loans to leading agricultural enterprises in need, and solve financial difficulties for the development of farmers and agriculture-related enterprises.
Habancha Village, Yuzhong County, is the rural revitalization contact point of Lanzhou Rural Commercial Bank. In order to promote the economic development of the village, the party committee of the bank made in-depth investigations, and actively communicated and coordinated with the village committee, industry departments and other units, and on the basis of donating 300,000 yuan to solve the funding gap such as earthmoving construction, transmission line transformation, crop compensation, etc., won the quality improvement and transformation project of the rural revitalization demonstration road in Gansu Province by 2021, and successfully introduced 4.5 million yuan of road construction funds in Gansu Province. At present, the provincial rural revitalization demonstration road has been smoothly opened to traffic. Lanzhou Rural Commercial Bank has also developed 12 acres of river beach land leveled by road construction as an outdoor campground, which is expected to generate 80,000 yuan per year for the village collective.
Lanzhou Rural Commercial Bank donated 1 million yuan of anti-epidemic funds to the Lanzhou Municipal Government.
Responsible for dedication to epidemic prevention and control of new policies
At the end of 2021, our province will be affected by a new round of epidemics. Lanzhou Rural Commercial Bank gave full play to the advantages of local commercial banks, took active actions, timely established a leading group for epidemic prevention and control, formulated the "Epidemic Prevention and Control Emergency Plan and Outlet Safety Operation Tips", coordinated more than 900,000 yuan of funds for the allocation of epidemic prevention materials, and donated a total of 1.87 million yuan. At the same time, after the party committee of the bank issued the "Proposal to Fight the Epidemic", the majority of employees have always adhered to the front line, more than half of the outlets have operated normally, carried out 35 phases of epidemic prevention knowledge publicity, and handled more than 600,000 counter business.
In view of the financing needs of different market entities in the prevention and control of the epidemic, the resumption of work and production at different stages, and the financing needs of different market entities, Lanzhou Rural Commercial Bank has actively implemented the requirements of the Provincial Party Committee and the Provincial Financial Supervision and Administration Bureau, the People's Bank of China, and the Provincial Federation of Cooperatives, and has opened green channels for credit approval by increasing resource allocation, adjusting the repayment cycle, reducing loan interest rates, and reducing related fees, moderately reducing the access conditions for credit loans in the medical and other fields, helping the epidemic prevention and control and economic development to advance simultaneously, and contributing to resolutely winning the battle against epidemic prevention and control. It has won praise from local governments and customers. During the epidemic period, the cumulative deferred interest payment was 607 million yuan, 6.83 billion yuan of loans were renewed for 191 enterprises, and 1276 new loans of 1.03 billion yuan were added.
Lanzhou Rural Commercial Bank also set up a vanguard team of party members and a youth commando team for epidemic prevention and control, actively participating in the epidemic prevention work of street communities, highlighting the responsibility and responsibility of the main force of local finance. The bank has successively won the honorary titles of "Social Responsibility Enterprise" in Gansu Province to fight the epidemic, "Advanced Unit for Epidemic Prevention and Control" and "Advanced Unit for Loan Marketing" in 2020 by the Provincial Federation of Social Organizations.
Continue to exert efforts to increase the quality and efficiency of inclusive finance
Small and micro enterprises are an important pillar of the mainland's national economy, and supporting the development of small and micro enterprises is conducive to the development of the socialist market economy, the development of productive forces, the increase and stability of residents' employment, and the improvement of people's living standards.
Try to crack the small and micro puzzles. Lanzhou Rural Commercial Bank's special industrial development project loan is mainly used to support rural enrichment industries and county economic development, and the objects of support are characteristic industrial enterprises with good market prospects, large development potential, a certain scale, and a strong driving effect on farmers' income. Through the development of characteristic industries, promote industrial transformation and upgrading, expand the scale of advantageous industries, extend the industrial development chain, and improve their market competitiveness and anti-risk ability. Lanzhou Rural Commercial Bank has always adhered to the market positioning of "serving the 'three rural areas', serving small and micro enterprises, and serving the community", focusing on solving the problem of "lack of information and lack of credit" for small and micro enterprises, and actively docking the municipal and district governments according to the list of characteristic industrial projects recommended by the government, giving full play to the advantages of human connections, customer base and operating mechanisms, carrying out marketing and follow-up services door-to-door door-to-door, implementing list system warehousing management, and ensuring full coverage of investigation docking and information collection. By the end of 2021, the number of loans to inclusive small and micro enterprises of the bank increased by 918, with a completion rate of 462%, and the net increase of loans to inclusive small and micro enterprises was 350 million yuan.
Strive to serve the local economy. Lanzhou Rural Commercial Bank has taken the initiative to strengthen communication and docking with governments at all levels and relevant departments, and fully supports the financing needs of major projects such as local infrastructure construction and industrial precision poverty alleviation. During the "13th Five-Year Plan" period, nearly 133.6 billion yuan of various loans were invested, nearly 1.6 billion yuan of various taxes were paid, 22,899 households were rated and credited, 32 credit villages and towns were created, 170 convenient financial service points and 151 agricultural and financial offices were set up, and the interest rate was reduced by nearly 500 million yuan to customers. Sponsored Lanzhou "Spring Festival Lantern Exhibition", "Peach Conference", Sports Games, Friendship Meeting and other cultural activities and infrastructure construction of 10 million yuan; organized a number of financial knowledge publicity and public welfare activities, for local and small and micro enterprises to popularize relevant financial knowledge.
Standing at a new starting point and moving towards a new journey, Lanzhou Rural Commercial Bank will keep an eye on the strategic objectives of the "14th Five-Year Plan" of our province, continue to adhere to the general tone of the work of seeking progress in a stable manner, base itself on the new development stage, implement the new development concept, build a new development pattern, deeply implement the general requirements of party building in the new era, and step on the sonorous drum of the times to strive for high-quality development .