"Jinyan Fast E-Loan" fuels rural self-employed people to start a business and get rich - Mengzhou Rural Commercial Bank's "Party Building + Finance" dresses up the beautiful rural development documentary

Henan Economic Daily reporter Liu Fengmei

"It's so convenient, if I hadn't experienced it myself, I really can't believe it, online loans are really fast, Mengzhou Rural Commercial Bank is our self-employed individuals' own 'capital pool'!" Recently, Sister Li, who lives in Lanyao Village in Mengzhou City, is overflowing with joy. Right in front of his own store, it took less than an hour from consulting the loan to the successful arrival of the loan, and the things that bothered Sister Li for a few days were easily solved.

In recent years, with the rise of the boom in returning to the hometown to start a business, there are more and more individual industrial and commercial households in the city. How to make this group of people who are concerned with the employment of millions of families grow and grow? As the main force bank that has the responsibility to guard the land, serve the people's livelihood and support the development of the three rural areas, Mengzhou Rural Commercial Bank takes the party building as the guide, makes a fuss with the word "agriculture", and adheres to the concept of "loan" to move small business and serve the people's livelihood, focusing on the expansion of the face and the increase of the quota, innovative products, policy incentives, etc., and constantly injects financial "living water" into the revitalization of the regional countryside and the development of the real economy.

Originally, Sister Li opened a shop in the village, dealing in tobacco and alcohol, department stores, food, agricultural and daily necessities, while also taking into account the express delivery of goods, etc., she easily kept the small shops in order. Since the summer of this year, due to the impact of the disaster and the epidemic, a large number of goods need to be hoarded, coupled with the purchase of a new car last year, and the support of children to buy a house in the city, most of the savings of two generations of a family have been spent almost the same. "The capital turnover can't be opened, what can I do?" During that time, Sister Li has been worried about the shortage of working capital. One day, Sister Li was cleaning at the entrance of the store, and saw several people wearing white shirts and holding paper and pencils walking from street to door in the village, while publicizing the policy of rural revitalization and benefiting rich peasants, while inquiring about the "family background" of the people. "What the hell are they doing?" Sister Li said to herself, slightly confused. When the financial commissioner of Mengzhou Rural Commercial Bank brought the account manager to her shop, Sister Li finally knew that Mengzhou Rural Commercial Bank took the initiative to send "money" to everyone. Sister Li quickly explained her situation to Tang Yongqiang, the village commissioner. After understanding, Tang Yongqiang believes that Sister Li is very suitable for the online loan "Golden Swallow Fast E Loan" launched by Mengzhou Rural Commercial Bank for rural revitalization, and after on-site testing, The amount of Sister Li is completely sufficient, and the interest rate is also very appropriate. From the time Sister Li began to understand the situation with Tang Yongqiang to the successful use of the letter, it was less than an hour, which made her both surprised and surprised. Tang Yongqiang also told Sister Li in detail about the follow-up operation of mobile banking and told her how to return the loan on her mobile phone.

"After this, the money only needs a little on the mobile phone, tens of thousands of yuan will arrive at once, it is really fast and convenient, and the service for the benefit of the people launched by Mengzhou Rural Commercial Bank is real!" Sister Li sighed.

It is understood that since the first half of this year, Mengzhou Rural Commercial Bank has opened a financial sinking mode in the service model, gone deep into the countryside to carry out credit granting throughout the village, entered the rural block to "sweep the street" marketing credit, and implemented dynamic management of the credit line of individual industrial and commercial households, and increased the credit line year by year without bad credit records; In terms of innovative products, in view of the characteristics of "frequent, small and urgent" capital needs of individual industrial and commercial households, while improving the guaranteed loan for entrepreneurship, a series of pure credit and pure online credit products such as "Jinyan e-loan", "People's Wealth and Strong Loan" and "Small and Micro Happy Loan" are launched; In terms of policy incentives, we will increase credit support for first-loan customers, introduce internal policies, shorten the loan processing time for small and micro enterprises, simplify procedures, and improve the initiative, enthusiasm and sense of gain of customer managers to support the entrepreneurial development of individual industrial and commercial households.

"To serve rural revitalization is to serve the revitalization of rural industries, to refuel the vast number of peasants in starting a business and getting rich in one stop, and to deepen the strategy of rural revitalization, to blossom on the ground, and to go among the people." At the city's rural revitalization conference, the head of the party committee of Mengzhou Rural Commercial Bank said.