In order to comprehensively promote the construction of an inclusive financial system, effectively meet the needs of modern financial services in rural areas, and increase the strategic support for financial services and rural revitalization, Zhangye Rural Commercial Bank has implemented the "whole village credit" work in 18 townships and 245 administrative villages in Ganzhou District in combination with the actual situation, and strives to create a regional three-rural service model.
Since mid-April, Zhangye Rural Commercial Bank has actively docked with townships and towns, obtained strong support from townships for the work of "granting credit to the whole village", held mobilization meetings in various townships, and issued a plaque of "Total Credit Granting degree of credit village credit" to villages that meet the criteria for the creation of credit villages. After the meeting, bank staff and township and village committee cadres went deep into the homes of peasant households and fields to carry out the work of "granting credit to the whole village" and the publicity of financial knowledge, and learned in detail about the production and operation of residents in the jurisdiction, family and neighborhood relations, honest performance and other first-hand information, and built a rural commercial bank marketing system integrating townships, village groups, and customers, and opened up the "last kilometer" of rural financial services.
Ren Junnian, a villager in Sanzha Town, Tianqiao Village, said: "I have borrowed a lot of money in order to cultivate land and raise cattle, and the policy of the Rural Commercial Bank is also very good, and the interest rate of the loan is relatively low, which is of great help to our development." Zhang Wanqiang, secretary of the party branch and director of the village committee of Tianqiao Village in Sanzha Town, told reporters that the credit granting activities of the Rural Commercial Bank have brought great benefits to the masses of the village, and have also solved the problems of difficult loans, guarantees and high interest rates for the masses, and directly supported the economic development of the village.
"We will combine the Zhangye Rural Commercial Bank's 'whole village credit' work, increase publicity, seriously investigate and explore the bottom, grasp the loan demands of the masses, solve the problems of loan difficulties and guarantee difficulties, and inject financial 'living water' into the high-quality economic and social development of Longqu Township." Zhang Sen, deputy mayor of Longqu Township, said.
The "whole village credit" work is an inclusive financial service that Zhangye Rural Commercial Bank actively responds to the rural revitalization strategy and provides financial support to the vast number of farmers, with a total credit amount of 9.934 billion yuan for the townships and towns in Ganzhou District. The work takes the implementation of the "three inputs, three questions and three investigations, ensuring stability and promoting development to benefit the people's livelihood" as the starting point, sends credit funds and financial services to customers' homes, moves the loan investigation and credit signing link forward, comprehensively solves the problems of difficult, slow and expensive loans, and comprehensively improves the credit coverage, signing rate and credit usage rate of farmers in Ganzhou District.
Wang Tao, member of the Party Committee and vice president of Zhangye Rural Commercial Bank, said: "In the next step, our bank will closely focus on the creation of '100 demonstration villages' in Ganzhou District, and further contribute to the economic and social development of Ganzhou District by increasing the credit line for farmers and reducing the interest rate of loans for farmers in credit villages. ”