Zhangpu Rural Commercial Bank: Create a characteristic agricultural finance brand facing the sea

In recent years, Fujian Zhangpu Rural Commercial Bank has closely followed the pace of the local party committee and government's in-depth implementation of the four major projects of "blue sky, green water, pure land and blue sea", and continued to do a good job in the two major articles of "green economy and marine economy", drawing a beautiful picture of "ecological beauty, green industry and rich people" in Zhangpu.

Kan Kun Jiang Yinghong

Zhangpu and Taiwan across the sea, is a rich cultural "thousand-year-old county", facing the sea "romantic capital", with a land area of 1,708 square kilometers and a sea area of 3,560 square kilometers, is the "Top 100 County Tourism Brand Counties in China" and "Top Ten Demonstration Counties of Beautiful China Ecotourism". In recent years, Fujian Zhangpu Rural Commercial Bank has closely followed the pace of the local party committee and government's in-depth implementation of the four major projects of "blue sky, green water, pure land and blue sea", and continued to do a good job in the two major articles of "green economy and marine economy", drawing a beautiful picture of "ecological beauty, green industry and rich people" in Zhangpu. As of the end of March, the green credit balance of Zhangpu Rural Commercial Bank was 2.779 billion yuan, an increase of 409 million yuan or 21.88% over the beginning of the year, accounting for 17.36% of all loans, achieving the goal of "four not less than" green credit.

Establish a green management system from a strategic height

Zhangpu Rural Commercial Bank has firmly established the development concept of "lucid waters and lush mountains are invaluable assets", established and improved the green financial management system, and helped improve the quality and efficiency of the green economy and marine economy.

The bank has set up a leading group for green finance and set up a special sub-branch to serve the green agriculture and forestry economy and the blue ocean economy, so as to promote the upgrading and development of the green economy and marine economy industries.

At the same time of organization and promotion, strengthen the establishment of rules and regulations. It has successively formulated and improved the "Implementation Plan for Promoting Green Finance of Zhangpu Rural Commercial Bank", "Notice on Promoting the Work of Green Financial System" and "Special Party Building Activity Plan of Zhangpu Rural Commercial Bank for Helping the Upgrading of Flower and Seedling Industry" to promote the development of green finance from a strategic height.

On this basis, strengthen the assessment and standardize access. Establish a performance appraisal system for green finance operations, include green finance in the annual performance score assessment, link it with the annual evaluation of each sub-branch, set up green finance winning awards for each sub-branch, and promote the development of green finance with the performance appraisal baton.

In accordance with the spirit of the Green Credit Guidelines, the Guiding Opinions on Building a Green Financial System, the Green Industry Guidance Catalogue and other documents, the bank subdivides its customers, admits them to encouraged and guided industries, and sets up special funds for the development of green credit, which are specially used to give priority to the development of green industries.

Strive to create a bright business card of "green bank".

The bank is deeply engaged in green finance, polishes the business card of "green bank", and strives to create a fresh sample of financial "living water" to irrigate the county's green economy.

First, the establishment of specialized agencies. The bank has injected new financial momentum into the county's green transformation and upgrading development with the "three specializations" model of specialized institutions, professionals and exclusive products. At the same time, we will give full play to the role of "multi-community integration", establish a strategic cooperative relationship with Zhangpu County Forestry Bureau for information sharing and development and promotion, and create a "1+N" credit service model of "bank + government + market + farmer".

Second, allocate professionals. The bank arranges for the backbone of the credit business to be stationed in the countryside for a long time as financial instructors to strengthen market research and promote policies benefiting farmers, which is both financing and "financial wisdom". At the same time, professionals from the agriculture, rural and forestry departments of Zhangpu County were hired as industrial development instructors, and special training sessions were held in conjunction with relevant departments to carry out national and local agricultural policy publicity, agricultural planting knowledge popularization, industrial development guidance, financial knowledge popularization, etc., so as to improve the professional quality and financial literacy of regional customers.

Third, it is equipped with exclusive products. The bank is equipped with exclusive products such as Fuhui Loan, Fuhui Card, Landmark Loan, Shini Flower Loan, etc., and optimizes the guarantee model of "batch sum to sum loan", so as to solve the problem of loan guarantee for the agricultural industry. Relying on the credit model of farmers' factor assets, the evaluation of farmers' land, inventory, biological assets, labor and other production materials and daily necessities is carried out as factors, and the "factor loan" is innovatively launched, which converts production factors into credit lines and innovates the factor guarantee model.

Fourth, support the "four major areas". The first is to support the construction of beautiful villages. We have launched special products such as Fucun Loan and Fuju Loan to support the development of agricultural industry, rural housing construction, rural bare house renovation and new housing, etc., to help the construction of "green, rich and beautiful" villages at the county level. As of the end of March, 320 loans have been issued to support the "construction of beautiful villages", with an amount of 67.1431 million yuan. The second is to support the upgrading of green leading enterprises. Xinmei Biotechnology Development Co., Ltd. is mainly engaged in the research and development, planting, processing and sales of Dendrobium officinalis. Leisure and sightseeing agriculture and forestry development, agricultural tourism and picking services. In recent years, the bank has provided a total loan of 1.5 million yuan to support Xinmei Biological Company to expand production and drive farmers' income. In order to support the development of the orchid industry of Jubao Biotechnology Company, the bank issued a green loan of 8 million yuan to help it develop the cultivation and breeding of Phalaenopsis seedlings, and the company has bred more than 9,000 kinds of seedlings. At the same time, the bank also granted a credit balance of 33.9 million yuan to industries such as understory economy, bionic biology and organic fertilizer production, and granted 37.36 million yuan of credit to 19 energy-saving building materials production and suppliers. The third is to support the reform and development of forestry. Steadily promote a series of products such as forest right mortgages, "forint loans" and "huilin loans" to support the revitalization of forestry assets, boost forestry development, increase forest farmers' income and ecological protection, and continue to improve the quality of the ecological environment. As of the end of March, the bank had issued a total of 9.9073 million yuan of forest right mortgage loans, and the balance of forest-related loans was 1.38 billion yuan. Fourth, support new agricultural business entities. Relying on "party building + financial assistant + multi-community integration", the bank and Zhangpu County Agriculture and Rural Bureau jointly promote the promotion and application of the comprehensive platform of Funong. As of the end of March, 3,192 new agricultural entities have been filed on the Funong comprehensive service platform, with 2,353 ratings, and the balance of loans for new agricultural entities is 339 million yuan.

Supporting the Featured "Marine Economy"

Zhangpu is an important marine aquaculture base and a natural breeding base for marine treasures. Puffer fish, prawns, oysters, seaweed, kelp farming and so on have become the pillar industries of Zhangpu County. Zhangpu Rural Commercial Bank actively connects with local marine aquaculture projects and gives full support. As of the end of March, Zhangpu Rural Commercial Bank had 14,062 marine fishery loans with a balance of 2.77 billion yuan, of which 13,036 were credit-supported marine aquaculture loans, with a balance of 2.532 billion yuan.

Stimulate the vitality of the "blue economy". Zhangpu Rural Commercial Bank has set up special sub-branches in towns and villages with relatively developed marine industries and large credit needs, focusing on supporting industries such as fishery aquaculture, coastal tourism, and marine science and technology, and improving the financial service capacity of marine economy. Through the "marine fishing/aquaculture/fishery processing + Funong e-purchase" and other models, promote the export of local aquatic products, broaden sales channels, with the help of a new sales model integrating maritime communication, warehousing, cold chain, and sales, reduce the intermediate circulation of seafood, greatly improve the income of fishermen, and realize "from the sea to the table".

"Multi-community integration" innovative cooperation model. Zhangpu Rural Commercial Bank signed a strategic cooperation agreement with Zhangpu County Oceanic and Fishery Bureau to innovate and promote a series of "Fuhai Loan" products such as "Sea Area Loan", "Marine Aquaculture Loan" and "Ship Loan", vigorously develop "blue finance", and support the development of marine economy such as ocean fishing, modern fishery breeding, aquatic product processing and marine tourism. At the same time, the two sides actively promote the construction of coastal credit villages and credit towns, and implement the "three excellent" services of "preferential loans, preferential quotas, and preferential interest rates". As of the end of March, the bank's "Fuhai" series of loans was about 2.532 billion yuan, an increase of 292 million yuan from the beginning of the year.

The integration of culture and tourism taps the development potential. The first is to increase the proportion of blue tourism credit. For customers in the blue tourism industry, the bank has increased credit delivery, optimized financial products and services, and formulated personalized loan products and service plans according to local tourism culture and folk customs, so as to ensure that the proportion of the blue tourism industry in credit delivery is increasing. The second is to create a new business card for blue tourism. Promote the integrated development of ocean and tourism, fully cooperate with Zhangpu County to build an important tourist destination in the western part of the Taiwan Strait and create an excellent tourism county, optimize the tourism development pattern of Zhangpu County, enhance the momentum of tourism development, and promote the full use of tourism resources and the simultaneous growth of social benefits. In order to improve the comprehensive development of the Emerald Bay Tourism and Resort Center in Zhangzhou, Fujian, the bank issued a credit fund of 5 million yuan to help the scenic spot become a leisure tourism resort integrating catering, characteristic homestays, leisure and entertainment. The third is to improve the construction of blue tourism scenes. The bank has accelerated the expansion of financial cooperation with special tourism merchants, combined with scene construction, to provide basic financial services such as cash withdrawal and transfer for tourists in scenic spots, and improve the convenience of payment services in the tourism industry. Relying on mobile payment services such as mobile banking and QR code acquiring, it provides services such as ticket management and passenger flow statistics for scenic spots, and provides tourists with all-round services such as ticket booking, car booking, special product booking, and smart parking, and creates a "smart scenic spot" through diversified and all-round financial services to drive the integrated development of blue culture and tourism in the county.