In the context of the era of rural revitalization, how to take the "road home"? How to build a more beautiful home? How to make the fathers and fellow villagers live a better life? For rural commercial banks, it is both a test and an opportunity.
Yaodu Rural Commercial Bank takes root in the fertile soil, does not forget the original intention, with the "five full coverage" of "outlets to support agriculture, the whole village to grant credit, benefit agricultural products, farmers small credit online loans, and accurate poverty alleviation", take the "road home", so that the villagers are richer and the countryside is more beautiful. "We must let the peasant households say from the bottom of their hearts that the Communist Party is good and the rural commercial banks are good!" It is their simplest wish.
"After collecting the sticks from the field, I ran over to feed the cattle and sheep, and now I have something to do every day, and I can't idle for a moment." Zhuo Sanping, a villager in Tunli Village, Wucun Town, Yaodu District, Linfen City, Shanxi Province, said with hot sweat and gasping for air.
"Sanping was originally a poor household in our village, living a rare life (dialect, meaning "poor")," the daughter-in-law was depressed and could not work, the whole family pointed to the income of farming, so that Sanping poverty alleviation became a "big difficulty" problem in the village. Later, it was only because the rural commercial bank gave him a 50,000 yuan poverty alleviation loan to help him build the sheep pen. Chen Yongfeng, secretary of the village branch of Tunli Village, added: "Now Sanping is in a good state, raising more than 30 sheep and 10 cows, earning 50,000 or 60,000 yuan a year, and her daughter-in-law's illness is also better, so she works with him." ”
With financial support, there is hope of getting rich; with the hope of getting rich, life has a head start. Now not only Zhuo Sanping and his wife are doing a good job, but also pulling the couple together. "When I run outside, I let my relatives take care of the cattle and sheep at home, so I can rest assured." Zhuo Sanping grinned, the sweat on his forehead flowing down his thick face.
In recent years, under the party's good policies, farmers like Zhuo Sanping in the vast rural areas of Yaodu District have rekindled their hopes of getting rich, and behind them is the "five full coverage" agricultural support services of Yaodu Rural Commercial Bank.
"We take the 'five full coverages' of 'outlets to support agriculture, the whole village to grant credit, benefit agricultural products, farmers' small credit online loans, and accurate poverty alleviation' to help fathers and fellow villagers run to a well-off and build a hometown." Guo Ruixia, president of the Sannong Division of Yaodu Rural Commercial Bank, introduced.
The outlets support the full coverage of agriculture
Wherever there are farmers, there are rural credit services
The Party Committee of Yaodu Rural Commercial Bank fully carries forward the "five major advantages" of the rural credit cooperative, such as "grassroots advantages, convenience advantages, team advantages, cooperation advantages, and strong leadership advantages", combined with the practical activities of "I do practical things for the masses", creates 18 "party member demonstration villages" in the service jurisdiction, and classifies villagers into white, black, green, gray and other list customers through list management, so as to achieve "one-to-one" differentiated financial services.
Relying on 356 rural financial comprehensive service stations throughout the townships under its jurisdiction, farmers can enjoy a package of financial services without leaving their homes. For 24 townships, 1125 natural villages, 120,000 farmers, and 387 cooperatives under its jurisdiction, it has achieved full service coverage, and achieved "24-hour financial services from point to township, machine to village, card to household, 7 ×".
Up to now, the monthly business handled by financial service stations has reached 69,000, with an average of 2,300 daily transactions, accumulatively collecting 1,621 households with credit information from farmers, recommending 234 households, and successfully issuing loans to 196 households with an amount of 12.61 million yuan, opening up the last "kilometer" of financial services.
Full coverage of credit granted throughout the village
Where there is a need for funds, there will be rural credit help
"Since the Yaodu Rural Commercial Bank fully granted credit, more and more villagers have rated the letter users, and now who in the village is in a hurry to use money, as long as it meets the conditions, a little on the mobile phone, the loan will be released." Old Chen, a villager in Goushang Village, Tunli Town, could not stop talking about his loan application experience in the Rural Commercial Bank.
Lao Chen is an authentic "cropper", down-to-earth and hard-working, and in his words, farmers can earn money with strength. With his hard work, the vegetable greenhouse has developed into 6. However, seedlings, seeds, agricultural film, and fertilization are all not a small expense, and there is still a funding gap of tens of thousands of yuan after the old Chen Dong pieced it together. Just when he was at a loss, he saw the phone number of Meng Baogui, the account manager of the Rural Commercial Bank, on the public notice board of the entire village credit package at the entrance of the village committee. After Meng Baogui learned of Lao Chen's loan needs, he immediately went to the door to investigate, from acceptance, investigation to approval and issuance, in just 2 hours, the loan of 100,000 yuan was sent to Lao Chen's bank card, solving the big problem of his spring farming funds.
In order to solve the financial problems of the vast number of peasant households to get rich in the industry, Yaodu Rural Commercial Bank has carried out the "whole village credit" activity throughout the jurisdiction, held 138 "whole village credit" and "hui agricultural loan" promotion meetings, and built a three-level credit system of "rural financial comprehensive service station - regional loan center - credit approval center", from the mountain village to the field, from individual farmers to township enterprises, all conditions can be granted.
In the process of granting credit, they explored a new model of "one teaching and four innovations", that is, through service leadership, capital diversion, publicity guidance, knowledge guidance, and create convenient experience, prosperous industry, honest environment, and civilized rural style with farmers in the jurisdiction, to help realize the new atmosphere of rural revitalization of "agricultural prosperity, farmers' prosperity, and rural beauty".
Up to now, Yaodu Rural Commercial Bank has achieved full coverage of credit granting and credit user assessment to all townships and towns under its jurisdiction, with a credit amount of 2.951 billion yuan and more than 96,000 credit users.
Full coverage of beneficial agricultural products
Where there is hope of getting rich, there will be a footprint of rural credit
Yaodu District Tumen Town Jingjiazhuang Village is closer to the city, convenient transportation, in the past the village young and middle-aged labor force often choose to go to the city to work for a living, the direct impact of the loss of young and middle-aged labor force is the village popularity is sparse, economic depression. In this regard, the village director Cui Yunwei felt very deeply: young people go out to work, the only left is the elderly and children who can't go out, the industrial development of the village cannot be developed, and the cycle has entered the vicious circle of "hollow village".
In order to enable "hollow villages" like Jingjiazhuang Village to develop industries and retain villagers, the staff of the Sannong Division of Yaodu Rural Commercial Bank spent a full 2 months running through the townships and villages in Yaodu District, and on the basis of accurately grasping the needs of the industries under its jurisdiction, developed and promoted 12 special credit products for farmers in 5 categories, such as fruit farmer loans, vegetable loans, golden grain loans, medicinal material loans, and seedling loans, covering all aspects of farmers' planting, breeding, transportation, self-employment, and living consumption, so as to meet the credit needs of different loan subjects. "One-time credit, recycling, on-demand loan, as-you-go repayment, flexible and convenient", Huinong series of loan products with low interest rates, flexible terms, high amounts, diversified guarantee methods, a wide range of uses, to solve the problem of farmers "difficult to lend" and "expensive loans", so that those with credit can lend.
Up to now, the bank has handled a total of 9830 products with an amount of 584 million yuan, using real money and silver to help farmers in the jurisdiction to get rich and increase income. From January to October 2021, the number of rural small credit loan households increased by 2,040 households, which was 345.76% of the net increase last year; the amount of small credit loans for rural households increased by 187 million yuan, an increase of 242.69% over the whole of last year.
The days are better, and the villagers don't want to leave.
In the words of Lao Meng, a farmer in Jingjiazhuang Village, "In the past, our village was poor, and people all ran outside to work and earn money, but now with the support of the Huinong loan from the Rural Commercial Bank, we don't have to run out, and we can make money by engaging in industry in the village." "Old Meng used to run a big car outside, he couldn't earn a few dollars a year, he couldn't take care of his family, and now he raises pigs in the village and farms, and his income has doubled compared with the past."
"As long as we have a dry industry, the rural commercial bank has the corresponding products to support us." The industry has developed, the popularity has gathered, how can the days not be prosperous? Why can the village not prosper? Cui Yunwei talked about the contrast between the present and the past, and could not hide his full pride.
Rural households have full coverage of small credit online loans
Where farmers can be convenient, rural credit will exert its strength
Most of the townships around Yaodu District are located in mountainous areas, with ravines and rugged mountain roads, and it often takes more than half a day to travel back and forth. Under such difficult terrain, how to make farmers borrow good money and loans? How to make farmers run less and not run?
Yaodu Rural Commercial Bank decided to start with technology empowerment, combine the innovative exploration of financial technology with the local advantages of familiarity, give full play to the linkage effect of "finance + technology", and vigorously promote the "green channel" of online loan application.
Relying on the rural credit whole village credit platform and online loan platform, they added the "huinong loan" credit business in the online loan system, through the mobile pad "on-site investigation + on-site credit", so that the loan delivery is more speedy, to achieve same-day application, same-day approval, same-day lending, shorten the loan processing time, strengthen service efficiency, so that loans from "out of reach" to "within reach", so that farmers from the past to handle loans "a trip all day" to the current "no need to run".
"Since the micro-credit online loan is fully covered, a small credit loan for farmers can be released in as soon as 38 minutes, saving valuable time for farmers." Li Hongmei, vice president of the Sannong Division, said.
Up to now, yaodu rural commercial bank farmers small online loan business covers the whole jurisdiction, with a total of 4499 households with a total of 328 million yuan, a total of 4449 households with 10,141 transactions of 354 million yuan, and less than 100,000 yuan of small farmers' credit loans have all been released online.
Targeted poverty alleviation is fully covered
Where there is a need to get rid of poverty, there will be rural credit support
Fenxi County, located under the Gushe Mountain, was once a well-known national poverty county, and the high mountains, between the hills and ravines, the inconvenience of transportation, and the lack of resources made this mountainous county a difficult "hard bone" in Shanxi's poverty alleviation battle. As the only rural credit institution with outlets in the county, Yaodu Rural Commercial Bank has the unshirkable responsibility to provoke the heavy responsibility of finance to help Fenxi get rid of poverty.
In order to support the local poor households to establish cards, the bank drew more than 200 elite personnel from the head office and the city branch, rushed to Fenxi County in five batches, concentrated on operations, concentrated on tackling tough problems, and completed the collection, rating and credit granting of credit basic information for 9698 poor households in only two months. Focusing on the establishment of archives and cards for poor households, the Fenxi sub-branch has issued a total of 1,685 microcredits for poverty alleviation, with a total amount of 79.571 million yuan, covering all 8 townships in Fenxi County.
It is better to teach people to fish than to teach people to fish, Yaodu Rural Commercial Bank fully considers the geographical advantages of Fenxi with sufficient illumination, and has issued nearly 200 million yuan of agriculture-related loans to the leading agricultural enterprises Sun Mountain Photovoltaic Power Generation Co., Ltd. and Hongchang Enterprise, directly solving nearly 800 employment opportunities, driving thousands of poor households to get rid of poverty and become rich, forming a compound benefit of "photovoltaic + agriculture + employment", truly realizing the sustainable assistance of "blood transfusion + hematopoiesis", and effectively activating the endogenous power of the county economy.
In February 2020, during the critical period of fighting the epidemic and supporting the resumption of work and production, a pennant engraved with "efficient and fast, intimate service, spring wind and rain, and overcoming difficulties together" was sent to Yaodu Rural Commercial Bank. The pennant was presented by Fenxi County Chaoyang Agriculture and Animal Husbandry Co., Ltd.
After the outbreak of the epidemic, the company experienced a funding gap due to a sudden and significant reduction in orders. After Yaodu Rural Commercial Bank learned of this situation, it immediately launched the rapid response mechanism of epidemic prevention and control services, arranged special personnel to investigate and review, and invested 9.5 million yuan in credit funds to the company in just one day to help it tide over the difficulties in a timely manner. With the full support of Yaodu Rural Commercial Bank, Fenxi County was lifted out of poverty in February 2020, and Yaodu Rural Commercial Bank achieved comprehensive poverty alleviation for poor households in the jurisdiction.
The more the wind and rain are sudden, the more we can show the love of the rural commercial bank and the peasant households; the more difficult and dangerous the moment, the more we can verify the bold loyalty of the party members of the rural credit.
If you ask the farmers deep in the mountains, "What is the Communist Party?"? They will tell you: "The Communist Party is the village cadres and peasant trust people who think what the peasant households think first and what the peasant households are anxious about first."
If you ask those rural credit people who brave the wind and rain to go to the village and enter the household, "What is your duty"? They will tell you: "We just want the peasants to say from the bottom of their hearts that the Communist Party is good and the rural commercial banks are good!" ”
Born from farming, accompanied by farmers for life. As a rural credit institution under the leadership of the party, the "five full coverage" is just a new starting point for Yaodu Rural Commercial Bank to support agriculture, and they will seize the opportunity of the times of rural revitalization, and use greater strength, more practical measures, and newer models to send better services to their hometown fathers and elders, so that more farmers can live a better life!