Huaichuan Rural Commercial Bank: "Party Building + Finance" serves a new path of rural revitalization

Henan Economic Daily reporter Liu Fengmei correspondent Li Huayou Xu Zixian

In order to implement the requirements of the provincial federation to comprehensively promote the "party building + finance" service, recently, the Huaichuan Rural Commercial Bank adhered to the work concept of "grasping party building around the center, grasping party building and promoting development", and joined hands with the Organization Department of the Huaichuan County Party Committee to strive to open a new journey of "party building + finance" to serve rural revitalization throughout the county, and through the attempts of party organizations to "match", rural commercial banks to "set up a stage", and party members and the masses to "sing opera", a new path was opened for rural revitalization.

Party building and jointly building new deeds. The first is to organize the joint construction of positions. Relying on the county party committee and county government to take the lead in promoting "party building + finance" to serve rural revitalization, the bank has jointly built a three-level party organization of the county-level joint party committee, the township (street) joint party branch, and the village group (community) joint party branch, strengthening the leadership system and improving the quality and efficiency of services. The second is the communion of propaganda positions. Adopt the model of "one link, five gifts, three promotions" to carry out financial policy publicity. That is, the township branches of the bank plan to contact a village group every week to carry out activities such as sending party building knowledge, inclusive finance, legal knowledge, traditional culture, and health and health knowledge, so as to promote the improvement of the relationship between cadres and the masses, promote the steady development of rural commercial banks, and promote the high-quality and efficient development of the three rural areas. The third is policy information sharing. With the help of WeChat groups, public accounts and other self-media to open up communication channels with farmers, timely publicity and release of policy, finance, agricultural product markets and other information, so that farmers have more convenient and reliable information access channels, timely adjustment of the structure according to market demand, effectively reduce entrepreneurial risks.

Financial co-creation of new heights. First, the whole village is fully covered by credit. The bank regards "whole village credit" as an important starting point of the inclusive financial credit evaluation system, and jointly carries out credit township, credit village, and credit user creation activities with townships, towns, and village groups, and adopts the six-step work method of "adopting credit, granting credit, using credit, building credit, evaluating credit, and increasing (subtracting) credit", giving play to the financing function of rural economic entities in credit information services. The second is to create convenience in inclusive finance. In each township, we will build a multi-integrated "Jinyan Station" such as "financial e-station + self-service equipment + electronic banking + mobile payment + agricultural assistance service" with high standards, realize business functions such as loan acceptance, payment settlement, and living collection and payment, and realize the financial service system of "basic business does not leave the village, and comprehensive business does not leave the township". The third is strong innovation in financial products. Implement differentiated policy preferences for outstanding party members, economic leaders, rural craftsmen, etc., link social morality, professional ethics, and family virtues with financial services, and create a three-dimensional social credit system; Through in-depth cooperation with public services such as ecological protection, green agriculture, and targeted poverty alleviation, we will provide new financial services and products that are more in line with the strategy of rural revitalization.

A new leap forward in convenience services. The first is the service of the party-building alliance. Joint party organizations organize and carry out various party building activities not less than 100 times a year; Focus on promoting the alliance at the township and village levels to carry out no less than 500 activities to serve the masses, and achieve 100% service for the grass-roots masses. The second is offline online services. Gradually upgrade the existing inclusive financial service stations, huinong service points and agricultural withdrawal points to offline "Jinyan Station" and online "Cloud Station", so that financial inclusion points will become convenient points for government services, credit assistance points for rural revitalization, dissemination points for financial knowledge, and receiving and receiving points for express logistics. The third is credit assessment services. Focusing on the establishment of creditworthiness in Huaichuan, using the organizational advantages of party organizations and the advantages of multi-faceted coverage of rural commercial banks, the three-level "party building + finance" joint party organizations jointly exert efforts to build a credit information database covering rural areas throughout the county, promote the continuous extension of credit construction to the countryside below, and promote the construction of a new type of credit system for agricultural business entities.