In recent years, Wenshang Rural Commercial Bank has always adhered to the market positioning of "basing itself on the locality, serving the three rural areas, and serving the real economy", adhering to the customer-centric, sinking the focus of service, promoting product innovation and service innovation, continuing to increase financial support for the "three rural" service areas, and continuously improving the ability to serve the real economy.
<b>Focus on local industries and fully</b> <b>support</b> <b>rural revitalization. </b>Focus on the local area, adhere to doing small and micro, vigorously develop inclusive finance, comprehensively and deeply carry out the work of inclusive financial services that go to villages and households without dead ends, and effectively increase the investment in loans to small and micro enterprises and entity enterprises. At the same time, it signed a strategic cooperation agreement with the county grain and coal center, and jointly issued the Implementation Opinions on Strengthening Bank-Enterprise Cooperation to Promote the Healthy and Rapid Development of the Grain Industry, and integrated the construction of model projects into the service of rural revitalization. Up to now, a total of 233 model projects have been carried out, including 204 villages, more than 4 billion yuan of rural revitalization loans have been issued, and the balance of agriculture-related loans has exceeded 7 billion yuan.
<b>Strengthen business innovation and improve the level of financial services. </b>The bank strengthens the innovation of financial products, actively cooperates with the departments of finance, agriculture, animal husbandry, market supervision and other departments to formulate credit policies that conform to the actual conditions of the jurisdiction, innovates and launches credit products such as "financial and financial inclusive loans", "golden seed harvest loans" and "agricultural and breeding loans"; increases the investment of policy-oriented loans such as "Lu Dan Hui Agricultural Loans" and "Entrepreneurial Guarantee Loans" for various entrepreneurial groups, jointly launches "intellectual property loans" with the Wenshang County Market Supervision and Administration Bureau, and jointly promotes "decoration installment loans" with large decoration companies. At the same time, we will carry out marketing activities for all loan staff, dig deep into the financing needs of migrant workers and business people, provide door-to-door loan services, optimize the paperless loan process, realize the centralized management of credit files, optimize the credit process, and continuously improve customer experience. As of now, the balance of the bank's physical loans is 8.171 billion yuan, an increase of 1.092 billion yuan from the beginning of the year.
<b>Led by party building</b><b>, the "red engine" is fully empowered. </b>The bank actively explores new ideas and measures for party building work, gives full play to the role of the platform for deputy mayors who are off-the-job, clarifies the new ideas of "party building + finance" work, innovates and carries out the party building model of "government-bank cooperation" and "bank-enterprise joint construction", realizes the full coverage of villages and towns within its jurisdiction, and truly takes party building as the guide, forming a new rural format with deep integration of party building, economy, society and finance. At the same time, we will carry out the activity of "electing the latter and promoting the advancement", taking the party members and cadres as an example, encouraging all employees to strive for excellence in the service work of the hall, and providing a strong guarantee for promoting the quality of the bank's workload.
(Correspondent Wang Jiahao Liu Qianqian)
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