Farmers have "knocking on the door"!Zhejiang Digital Intelligent Financial Exploration Communist New Path

In response to the lack of mortgages and expensive financing, the Zhejiang Banking Regulatory Bureau explored the application of the "farmers' family balance sheet financing model" in Taizhou in 2020, that is: bank institutions collecting farmers' information by multi -channel collection and establishment of farmers' family asset liabilities Table, refine and valued the farmers 'family assets, and accurately evaluate the ability of farmers to repay. By cooperating with the village committees to conduct credit promises, and incorporate information such as farmers' morals and character into credit evaluations to determine the credit loan credit limit for farmers Essence Today, this model has achieved good results and promoted in the province. More farmers have a "knocking door" of the rich, helping, and richness.

Wake up "Sleeping Assets"

Right now is the season of blueberries. In the holiday rural blueberry base in Xiazhang Village, Xinhe Town, Wenling City, Taizhou, Zhejiang Province, workers pick, sort, and pack them.

"Blueberries with a diameter greater than 13mm are suitable for fresh food. This year, the price is 60 yuan-80 yuan/catties, and the supply is in short supply; blueberries with a diameter of less than 13mm soaked in wine, and the market demand is very strong." Said Su Renjun, a legal person in the base.

Su Renjun had been in business in Hangzhou for many years. With his parents at home, in 2013, after a market inspection, he decided to return to Wenling in his hometown of hometown to contracted more than 20,000 plants with 102 acres of land. Without the wandering and vicissitudes of business in foreign classics, the calmness and indifference of returning to their hometown to start a business.

However, two months ago, Su Renjun was worried about the gap in the current picking season flow. "This year, the entry price of organic fertilizers has risen, and transportation costs and workers' wages are also rising."

After learning the difficulties of Su Renjun, the Wenling Rural Commercial Bank Wenzhang Sub -branch quickly investigated his family assets.

"The term of the use of land for farmers is often 10 to 20 years, which should be counted as their assets; personal evaluation, if personal honor, is signed as an enterprise and institution for recruiting and picking and picking the cooperation base. This is the Municipal Federation of Trade Unions to him to him The recognition of product quality can also be used as a personal credit ... After the "farmer's family balance sheet 'system calculated, 1 million yuan of credit loan not only solves the demand for farmers' financing. . "Dong Yimi, president of Wenling Rural Commercial Bank, analyzed.

It is understood that the Taizhou Banking Insurance Supervision Bureau guides the pilot banks to define the scope and standards of farmers' family asset liabilities due to local conditions, and clarify 25 categories of 25 assets including fixed assets, rights assets, living assets, financial assets, intangible assets, and other assets. In terms of content, four major liabilities, including bank loan, civil loan, other liabilities, or liabilities, have effectively expanded farmers' financing channels.

Wenling Rural Commercial Bank personnel understand the sorting and sales of blueberries.

"There is virtue" must be "gain"

"I need to use 20,000 yuan to get 20,000 yuan today. This product is very convenient for our individual households." Recently, Shishi Village, Shishi Village, Chengbei Street, Wenling City, operating a supermarket. Why did Cai Xiaoping not expect that the first loan of 300,000 yuan was actually "earned" with his good family style and good reputation.

"We understand that Cai Xiaoping won the" Family Civilization Civilization Household "in the event of the" Zhejiang Style Ten Gift "Civilization Civilization" Family Style Civilization '"Family Style Civilization, Coupled with the information of his party members, after summarizing the "farmers 'family balance sheet' system calculation, he matched him with a" family style civilization loan "that was exempted from guarantee, pure credit, and borrowed." Wenling Rural Commercial Bank's retail business department General Manager Lin Zehui said.

Wenling Rural Commercial Bank integrates "positive incentives"+"negative information" management into the financing model of farmers' home asset pools, combined with the actual credit conditions of farmers to make dynamic adjustments, and teach the family model, moral model, five good moral models, five good moral models, five good tutors, and five good tutors. Farmers, party members, and other honorary farmers have increased their credit quotas; information involved, appeal, drug abuse, gambling, vocational lenders and other information are included in negative list management.

"Three -color management"

With the continuous advancement of digital finance, digital intelligence has been continuously injecting live water into rural revitalization.

Li Lingde, a farmer in Hengjie Town, Luqiao District, Taizhou City, is a diligent person. He contracts for more than 1,100 acres of rice, more than 120 acres of fruits, and 50 acres of vegetables. He also operates an agricultural wholesale store.

In recent years, a number of national agricultural subsidy policies have enhanced their confidence in developing agriculture for Li Lingde. With the support of Luqiao Rural Commercial Bank, last year, his grain planting scale expanded more than 200 acres.

There are funds in my hand, I have a confidence in my heart, and the planning is more complete. "Here is approaching the seaside, and the typhoon has arrived immediately. It is planned to invest 1.3 million yuan to build a greenhouse for vegetables."

The staff of Luqiao Rural Commercial Bank helped him apply for operation according to the actual situation of Li Lingde's family. "Specifies on the phone, no mortgage and guarantee, the procedures are simple, and the account is fast." Li Lingde was a little surprised.

"According to information such as farmers' income, assets, etc., we have established the" Zhizhi Finance to help the brain ", and the launch of Huang (the family's annual income of less than 200,000 yuan), the blue (annual income of 200,000 to 600,000 yuan), and the green More than 600,000 yuan) 'three -color management', when granting the amount of credit, set the parameters to low -income groups to tilt to the expansion and low, and realize the system automatic credit increase in the family basis. "Luqiao Rural Commercial Bank's retail business department General Manager Lin Gang introduced.

Customer manager of Luqiao Rural Commercial Bank in Li Lingde's fruit and vegetable base

Luqiao Rural Commercial Bank and the government's multiple departments, through digital means, enable the "farmers' family balance sheet financing model" to achieve the scientific allocation of credit resources in the "three -color management", and help farmers to achieve industrial efficiency improvement in limited production materials to help farmers achieve industrial efficiency improvement Essence As of the end of June 2022, the pilot paid in Taizhou City passed the "farmers' family asset -liability statement financing model" to add 352,700 new credit loans and 53.361 billion yuan. Among them, the number of small credit loans issued by farmers was 175,600 The household, the amount is 23.231 billion yuan.

Big data plus "sufficient engineering"

Zhejiang promotes the construction of a common prosperity demonstration zone. The 26 counties of mountainous areas are breakthroughs and key points. In November 2021, the Zhejiang Banking Regulatory Bureau and other government departments held the "Zhejiang Banking Insurance Industry Insurance Industry Supporting High -quality Development Site Promotion Meeting" in Luzhou City, and released the "Zhejiang Banking Insurance Industry Support High -quality Development and Construction Common Wealth Demonstration Zone Action Plan (2021-2025), and promotes the "farmers' family balance sheet financing model" in the province.

Farmers' family balance sheet financing model heat map.

"We cooperate with the local agricultural and rural bureaus and other departments to launch a full -amount project to help farmers' co -rich. With the support of the big data of Zhejiang Financial Comprehensive Service Platform, the Luzhou Banking Insurance Regulatory Bureau and the Municipal Government help us to open up information barriers. Walking the village to collect and improve the various types of information of farmers, combing with the basic information data and business data of the farmers in the bank, and the integration of business data to introduce and introduce the financing system of the farmers' family asset liabilities, and implement accurate credit for credit. " Waves.

"We cooperate with the Market Supervision Bureau and have obtained more than 35,000 data. According to the results of the market supervision bureau's intelligent evaluation results, the data model is established, and 5 levels are evaluated through the six major latitude and 20 indicators. Customers can get a one -time credit loan of 1 million yuan. "Zhu Jianming, the vice president of Kecheng Rural Commercial Bank, introduced that the bank has given credit to 110,000 people through the form of farmers' family balance sheets, with a quota of 22 billion yuan; The per capita credit amount of farmers increased from 110,000 yuan in 2020 to 200,000 yuan; the total amount of credit loans of small inclusive loans increased by 170%.

Multi -party joint efforts can be unblocked together

Zheng Jiankang, a villager from Yu Dongcun, Gulixi Township, Luzhou City, originally launched a small work and contracted small projects. In the past two years, due to the repeated epidemic, account receivables are difficult to collect. Seeing that his hometown is better and better, he decides to return to his hometown.

In order to help the rural youthful youth entrepreneurship, Kecheng Rural Commercial Bank incorporated the "farmers' family balance sheet financing model" into the future rural construction of Yudong Village, Guli Township, and derived new types of farmers such as "one -meter vegetable garden loan" and "rich people's loan". Erpuhui loan product.

"I used to feel that there was no way out of the countryside. Now I plant some vegetables and open a small restaurant at the door of my house. Tourist company's cooperation team meals, 10 households in the village are done together. "Zheng Jiankang is very satisfied with the current life.

Recently, Zheng Jiankang increased his loan by 100,000 yuan through Kecheng Rural Commercial Xinggouxi Sub -branch. "I plan to circulate some wasteland and build a vegetable base in accordance with the‘ one -meter vegetable garden ’standard.

It is understood that the standardized construction of the "One-meter Vegetable Garden" and the beautiful courtyard is one of the future rural construction projects of the Golixi Township Government. Fangouxi Township Household Registration and the age of aged 18-65 can apply to the Castle Rural Commercial Bank Gliti Sub-branch. The "one -meter vegetable garden" loan, the output value of the 1 -square meter vegetable garden can obtain 100 times the amount of loan, with a period of up to 3 years.

"The loan of the" farmer's family liability statement "loan, compared with other farmers' small inclusive loans, interest rates can be reduced by 50 basis points." Said Zhu Xiang, president of Kecheng Rural Commercial Bank of Shiliang Green Sub -branch.

Xia Jianjun, a large household of citrus transport, received the policy on the basis of his original credit loan on the basis of his original credit loan amount at the policy of the Pacific Life Insurance Luzhou Center Branch. Essence

As of the end of June, the farmers 'construction file covered by farmers under the "farmers' family balance sheet financing model" was covered by about 25%; the number of loans was 1.06 million households, and the balance was 194 billion yuan.

Source: Bank of China Insurance, reporter Mei Lin. The layout belongs to the original author.

- END -