Huancui District is the central urban area of Weihai City, which is located in the easternmost part of the Shandong Peninsula, surrounded by the sea on three sides, with beautiful scenery and pleasant climate.
In recent years, Huancui District has continued to create a new situation of high-quality development, focusing on the economy, seeking development, and benefiting the people's livelihood, and its comprehensive strength has continued to rise, with a GDP of 45 billion yuan in 2023, and it has been rated as an advanced county for high-quality economic development at the county level in the province for four consecutive years.
Weihai Rural Commercial Bank plays the role of the main force of rural finance, actively integrates into the overall situation of local economic development, improves the financial service model, and helps industrial upgrading. At present, the balance of various loans is 17.72 billion yuan, providing strong support for high-quality economic development.
Help draw a "new picture" of the beautiful countryside
Walking into Beicao Village, located in Yangting Town, Huancui District, Weihai, surrounded by mountains on three sides and facing water on one side, apricot trees are planted in front of and behind every house, as if you are in the "apricot garden outside the world", and there is an endless stream of citizens and tourists who come to travel and vacation.
In the cultural and creative exhibition base in the village, tourists are processing waste apricot branches and experiencing the production of cultural and creative crafts such as "happiness pen".
"Relying on the original ecological resources of the village, we have jointly established a tourism development company with the village collective, built a red exhibition hall, a cultural and creative center, a conference and training base, etc., and created a rural service format integrating red education, parent-child research, and homestay experience. Since the operation of the company, it has increased the collective income of the village by 370,000 yuan, driving the villagers to increase their income and become rich. Wang Enmao, secretary of the Party branch and director of the village committee of Beicao Village, said.
In the process of the development and transformation of Beicao Village, Weihai Rural Commercial Bank actively integrated into the rural tourism construction of the village, provided financial support for the tourism development company it established, helped build rural characteristic industries, and injected financial momentum into the prosperous development of the village's collective industry. In 2023, Beicao Village will be awarded the honorary title of "National Beautiful and Livable Village".
Weihai Rural Commercial Bank focuses on the key areas of rural revitalization, formulates an implementation plan for comprehensively promoting the key work of rural revitalization, actively connects with relevant agricultural departments, and increases credit support for planting and breeding, fishery, characteristic tourism, and agricultural industry chain. We will continue to improve the ability of financial services for rural revitalization, select branch presidents and account managers to take temporary posts in towns and villages, carry out on-site offices and credit extension for the whole village, actively build a financial model village for rural revitalization, timely grasp the financial needs of various agriculture-related entities, and make every effort to be a good "propagandist" of financial policies and "waiters" for rural revitalization, and issue a balance of 1.25 billion yuan of agriculture-related loans in 2023, so as to stimulate new vitality for rural revitalization and development with the hard power of financial services.
"Add momentum" to the development of manufacturing industry
"With this loan for the transformation of scientific and technological achievements, it helped us solve the financial problem in a timely manner, thank you very much to the Rural Commercial Bank!" Seeing the staff of Weihai Rural Commercial Bank who came to visit, the person in charge of a filter limited liability company in Weihai said sincerely.
As a specialized, special and new high-tech enterprise, the company is mainly engaged in the production, R&D and sales of polymer raw materials and recycled raw materials, synthetic fibers, melt filters, melt pipelines, machinery and equipment, with dozens of invention patents and utility model patents, and good market prospects.
Due to the needs of production and operation, it is urgent to purchase a batch of raw materials such as steel and chemical fiber, and it is difficult to have no collateral, so it is worried. After learning about the financial needs of the enterprise during the visit, the customer manager of Weihai Rural Commercial Bank provided door-to-door service at the first time, comprehensively considered the situation of the enterprise, and took its invention patent as the entry point to issue a "loan for the transformation of scientific and technological achievements" of 9.5 million yuan, which not only revitalized the intangible assets of the enterprise, broadened the financing channels, but also effectively reduced the financing cost of the enterprise.
In promoting high-quality development, Huancui District adheres to strengthening the leader, supplementing the chain, and gathering groups, and the advanced manufacturing industry continues to grow.
Weihai Rural Commercial Bank included the key industrial chain and industrial cluster enterprises determined by the district government into the list of financial service enterprises, carried out "big visits, big research, big marketing" and the "ten hundred thousand" activities of senior executives going to the grassroots level, and formulated financial service plans for each household and one policy according to the characteristics of enterprise development through in-depth visits and docking, and a total of 7,642 households were visited and docked.
Solidly carry out the first loan cultivation action, combine financial counseling with first loan cultivation, create a "park + enterprise" service model, and strive to meet the capital needs of enterprises. Strengthen cooperation with the Science and Technology Bureau, the Intellectual Property Office, the Finance Bureau and other departments, and vigorously promote policy-based loans such as "intellectual property pledge loans", "talent loans" and "scientific and technological achievements transformation loans" to help the development and growth of specialized, special and new enterprises. In 2023, the balance of loans to private enterprises will be 9.68 billion yuan.
Polishing the ecological background of green development
"It is with the financial support of the Rural Commercial Bank that we can purchase relevant raw materials in a timely manner, ensure production, and save us a lot of costs." The person in charge of an environmental protection technology company in Weihai praised the service of Weihai Rural Commercial Bank.
As an enterprise engaged in the manufacture of special equipment for environmental protection, its business covers Shandong, Hebei, Jiangsu, Gansu and other provinces and cities in China, whether it is an integrated sewage intelligent purification device for the treatment of decentralized domestic sewage treatment, or a special river microbial agent for the treatment of black and odorous water bodies in rivers, there is a large market.
Due to the increase in business volume, enterprises need to purchase a batch of raw materials for equipment manufacturing, and there is a shortage of working capital.
At this time, the staff of Weihai Rural Commercial Bank visited the industrial park, and after understanding the situation, they connected with the enterprise in a timely manner, and issued a loan of 2 million yuan according to the patent situation of the enterprise, which met the capital turnover of the enterprise, and also obtained financial discount support, injecting "gold" momentum into the development of the enterprise.
Weihai Rural Commercial Bank actively integrates into the construction of Weihai Green Finance Reform and Innovation Pilot Zone, adheres to the guidance of planning, formulates an action plan for financial support to deepen the conversion of old and new kinetic energy to promote green, low-carbon and high-quality development, and a three-year action plan for financial support for the construction of a green, low-carbon and high-quality development pilot zone, applies for the construction of green branches, and continuously improves the mechanism guarantee for promoting the development of green finance. Adhere to precise services, actively connect with enterprises in green and low-carbon manufacturing, marine industry and other fields, and provide regular follow-up services.
At the same time, we will strengthen product innovation, rely on credit products such as "Loan for the Transformation of Scientific and Technological Achievements" and "Intellectual Property Pledge Loan" to create a "technology + green" service model, and launch mortgage credit products such as the right to use sea areas to empower the development of enterprises.
At present, the bank's physical loans have increased by 1.03 billion yuan compared with the beginning of the year, of which the balance of green loans has increased by 56%, and the growth rate has exceeded the growth rate of various loans in the same period for three consecutive years. (Wang Qun)