Focus on the development of the county's economic economic development and do a good job of rural finance "vanguard"

Focus on the development of the county's economic economic development and do a good job of rural finance "vanguard"

In 2022, in the face of the complicated international situation, the rapid increase in domestic economic pressure, rural finance ushered in a new challenge. At the same time, during the "Fourteenth Five -Year Plan" period, the state implemented a rural revitalization strategy, and created new opportunities for rural finance. The issue of agricultural and rural peasants is the fundamental problem related to the national economy and people's livelihood. It must always solve the problem of "agriculture, rural areas" as the top priority of the work of the whole party, and implement the strategy of rural revitalization. Together, the beautiful rural development blueprints with prosperous industries, ecological livability, rural civilization, and wealthy life make the rural industry a "galloping" agriculture.

On the basis of the clear task of rural rejuvenation and a lot of downturn, Zhenfeng Rural Commercial Bank has always adhered to the spirit and requirements of the Party Central Committee, the State Council and the relevant rural rejuvenation of the State Council, Guizhou Province and the southwestern Guizhou. The purpose of serving rural, small and medium -sized enterprises is unchanged. In terms of financial products and services, breakthrough innovation and development have been maintained, using financial forces to help rural development and rural construction, and achieve good results.

Optimize the service to firmly keep the basic disk of "supporting agricultural support"

In order to strengthen organizational guarantee, Zhenfeng Rural Commercial Bank has established a leading group for the “Practical Practice for Private” with the leader of the leader of the leader to create a business development model from top to the next line of supervision and management. With the "five combinations" as the carrier, actively explore the road of rural revitalization strategic financial services. The first is to combine the re -loan of the People's Bank of China to reduce the cost of financing of farmers, consolidate the results of poverty alleviation, fully implement and promote rural revitalization; the second is to combine with credit engineering, adhere to the "supporting agricultural support" positioning, and tilt credit resources to the "agriculture, rural areas, and rural areas". , Create the "convenience edition" of rural revitalization financial services, comprehensively carry out the rating rating of farmers, individual industrial and commercial households, small and micro enterprises in the jurisdiction, consolidate the foundation, stabilize the market, and provide customers with more convenient financial services; Rural revitalization and precision poverty alleviation. Guide the supporting farm demonstration park as a platform with poverty alleviation and re -loan, optimize the credit structure, increase the credit structure of the three farmers, increase the credit support of the agricultural industrialization leading enterprises with strong role in making rich farmers and a wide range of radiation. ; Fourth, combine with "mobile service stations" and "village and village pass", use science and technology to empower digital finance, open up the last mile of financial services, deepen the service into the villages and groups, handle business in the village Essence As of the end of June 2022, there were 14 mobile service stations, including 5 fixed service stations, and 167 villages to help farmers withdraw money, achieving full coverage of 167 administrative villages in the county. Fifth, combined with party building work, innovate and precise poverty alleviation models, and realize the double couplet of party committees. In accordance with the concept of "grasping party building is to grasp the key, grasp the key is to grasp development", give full play to the core role of party organizations in economic construction and financial enterprise power, and do a good job of rural revitalization.

Product leadership is effective in inclusive finance

In order to help the rural revitalization, Zhenfeng Rural Commercial Bank launched a research and measure for work on inclusive finance, and combined with the actual situation of the county's economic development, through customer -centric business philosophy, improved the level of refined management, and helped the implementation agency Transformation and upgrading, do a good job of inclusive financial services, and consolidate the market foundation. Create inclusive financial products, such as: Guizhou Micro Loan, Tobacco Agricultural Loan, Tea Garden Loan, etc. Among them, the poverty alleviation and relocation of the "new citizen." Anxin Loan "is launched, and the rural economic organizations have launched unique loan products such as" village community revitalization loans ". The continuous and good development of the organization.

As of the end of June 2022, the balance of various loans of Zhenfeng Rural Commercial Bank was 459.205 million yuan, and the balance of small and micro enterprises' legal human loans was 293.71 million yuan, and the balance households were 54 households. Fast 9.82%, 5,523 household loans of inclusive small and micro enterprises. In the next step, Zhenfeng Rural Commercial Bank will continue to strengthen the later financing docking of special operations such as "hundreds of banks into thousands of enterprises" and "take thousands of visits" to understand the operation of small and micro enterprises in counties and micro enterprises in the county. Possented in place.

Green Finance Exploring High -quality Development Path

On the road of helping the rural revitalization, green finance is complementary to it, and it is also an inevitable choice for the sustainable development of Zhenfeng Rural Commercial Bank. At present, Zhenfeng Rural Commercial Bank combines the green industries related to the five major emerging industries and agricultural products. The green credit balance is mainly invested in energy conservation and environmental protection industries and ecological environment industries. Yuan, 2.6 million yuan of resource recycling in the recycling of waste resources; the ecological environmental industry is mainly for ecological agriculture's under -forest planting and under -forest breeding industries of 28.41 million yuan and carbon exchange forests, tree planting grass and forest seedlings and flowers and flowers.

As of the end of June, Zhenfeng Rural Commercial Bank's green credit balance was 174.3829 million yuan, an increase of 211.961 million yuan from the beginning of the year, an increase of 711.672 million yuan, a year -on -year growth rate of 68.95%. Among them, corporate loans were 68.82 million yuan, accounting for 39.46%, and personal loans of 105.629 million yuan, accounting for 60.54%.

By creating a good green financial brand, actively adjust the credit structure, carry out product innovation in the green financial field, and become the main financing channel for green investment. While meeting the demand for green industry financing, it also actively introduces financial water into the county's green economic construction in the county.High -quality development path.(Liu Qian Kong Delina) Editor -in -chief: Zhang Wei Guo Jinhui

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