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"

Liu Qian Kongdena

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 country's comprehensive implementation of the rural revitalization strategy has created new opportunities for rural finance. The report of the 19th National Congress of the Communist Party of China pointed out that the problem of agricultural and rural peasants is a fundamental problem related to the national economy and people's livelihood. It must always solve the problem of "agriculture and rural areas" as the top priority of the work of the whole party. The beautiful rural development blueprints of livable, rural civilization, and wealthy life make the rural industry a "galloping" agriculture.

On the basis of the clear task of rural rejuvenation and great promotion, Guizhou 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 and Guizhou Province and Qian Qian. The purpose of serving the rural and small and medium -sized enterprises in the countryside is unchanged. In terms of financial products and services, breakthrough innovation and development have been maintained, using financial power 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 established the leading group of the "practical work 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. "As a carrier, actively explore the road of rural revitalization strategic financial services. The bank combines the re -loan of the People's Bank of China to reduce the cost of financing of farmers, consolidate the results of poverty alleviation, comprehensively implement and promote rural revitalization; combine with credit engineering, adhere to the positioning of "supporting agricultural support" Rural revitalization financial services "convenient edition", comprehensively carry out the establishment of files for 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; combine with the industry to promote rural revitalization and precision Poverty alleviation, guide the poverty alleviation and re -loan to guide the supporting farm demonstration park as the platform, optimize the credit structure, increase the credit structure of the three farmers, increase the credit support of the agricultural industrialized enterprises with strong role in rich farmers and have a strong radiation range, and drive farmers to drive farmers Increase income and get rich; combined with "mobile service stations" and "village and village", use science and technology to empower digital finance, open up the "last mile" of financial services, go deep into the villages and groups, handle business in the villages, provide finance Services, as of the end of June this year, there were 14 mobile service stations, including 5 fixed service stations, and 167 units of village villages to help farmers withdraw money, achieving full coverage of 167 administrative villages in the county; combined with party building work, innovation and accurate innovation and precision The poverty alleviation model realizes the dual couplet of the party committee. 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, "new citizens. Xinxin Loan" for poverty alleviation in different places, launching "village community revitalization loans" on rural economic organizations, etc. The unique service loan products have solved the financing needs of most county economy and the sustainable and good development of rural economic organizations.

As of the end of June this year, 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, the balance households were 54 households, and the loan balance of inclusive small and micro enterprises 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 10,000 enterprises", "take thousands of visits and thousands of visits" to understand the operation of small and micro enterprises in counties and micro enterprises in the county. Putting 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%. 10,000 yuan, accounting for 60.54%.

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