Let the "live water" flow on the rural hot soil

Let the "live water" flow on the rural hot soil

Song Jianbo

When I was dazzling, when I was wearing a star, I was ready to go with my colleagues, and I went into the next inclusive finance "small pond" -West Hanling Township South Village. As a client manager of a Shanxi Datong Rural Commercial Bank, it is my daily work with the dawn survey of the morning dawn. Since the establishment of the "Credit Credit" working group of Datong Rural Commercial Bank, since the establishment of the village, the village inspection, information registration, file assessment, and credit tracking after loan, and the credit tracking of the loan step by step. This is our most bland work daily life, and it is also the "source living water" for the "whole village credit" work.

Mobs beside the golden wheat field

This time we looked at Shangwo Village, 25 kilometers southwest of Datong City. The total area of ​​3977 acres, the 1130 acres of cultivated land has more than 300 villagers. Most of the economic sources are transportation energy slag. The annual income has exceeded 20 million, and the average households are divided into 5,000 yuan. During the inspection, the staff found that the villagers had a high overall consciousness, developed the whole village into their own responsibility, and the credit environment was good. After understanding the basic situation, the working group actively contacted and communicated with the Shangwozhai Village Committee to conduct credit feasibility assessment. "We don't lack technology now, there is no shortage of manpower, and there is no shortage of motivation, we lack policy funds to help." From the leadership of the head office and the data assessment of credit reporting, assets, income, expenditure, and liabilities, the credit work is formulated in detail, and the implementation of publicity, on -site registration, and answering questions for villagers, the credit work gradually systematized, scientific, human nature, humanity The method of high efficiency communication is praised by the villagers. "Datong Rural Commercial Bank is really a bank of ordinary people. It is really the idea of ​​rural development."

The true feelings of this kind of charcoal in the snow are the bridge of industrial development in the hearts of the villagers, and it is more rural to revitalize the seeds of finance to become rich. out. Next to the golden wheat fields, they took the farmer's heavy expectations to move forward. They did not know how tired they were, and built a little strengthening of the "Bridge of the Rich Bridge" of rural rejuvenation, and sent the warmth of Datong Rural Commercial Bank to every villager.

The road to breaking the "new citizen"

"I am worried about the days in the future. It is not realistic to rely on the demolition of the funds in my life." After the house was demolished, Xiao Li, a villager of Wangjiayuan, who would only work farmers, was full of concerns about the future life. After understanding the "Credit Credit" policy of Datong Rural Commercial Bank, he took up the courage to apply for a loan, opened a convenience store in the market, and now the business is booming. Essence During the development of rural economic development, many young villagers like Xiao Li in Datong City gradually developed to the tertiary industry. They joined the "stall economy", developed the farmer's market, added RVs, invest in children's education, and farmers became " New citizen.

In the context of the continuous advancement of new urbanization, better service "new citizens" is of great significance to realize the modernization of agricultural and rural areas. In 2022, Datong Rural Commercial Bank Three -Farming Division further expanded credit distribution in response to the rural market to better meet the financial needs of new citizens in terms of employment, housing, medical care, education, and pensions. The strategy of rural rejuvenation in the new period is to promote investment and consumer demand with urbanization and promote the integrated development of urban and rural "two -wheel drive". Datong Rural Commercial Bank re -understand the realistic rural development needs and solve the problem of "new citizens" financial services. It is a "comprehensive and multi -level" credit practice.

"Fireworks Qi" of the rural retail industry

Guidian Village is located ten kilometers north of the city. The 208 National Highway, Da Expressway, Ringtao Expressway, Jingbao, and Dazuya Railway Village passed by. The transportation is convenient and the geographical location is superior. There are 1,488 villagers and 3,293 villagers in the village. The arable land area is 5,160 acres. The per capita arable land is 1.5 acres. The ancient store village committee regards the purpose of "thinking of the masses, helping the masses, and urgent the masses" as the purpose of serving the villagers. The concept of "developing inclusive finance and helping rural revitalization" coincides.

"It's time for you to come. Many villagers are preparing to develop new wealthy projects. There are plans, and the sales channels are also available, so I worry about starting the funds." Further understanding that the ancient store village after the epidemic was in the economic launch period. In the expansion of production channels, there are some villagers who want to build a small processing factory in the village, open supermarkets, and raise cattle and sheep. They find the village committee. I hope that everyone will think of ways and solve funding problems. When the whole village was awarded the credit staff, he suddenly became motivated. The villager Lao Li saw the text of "low interest rate and fast loan" on the notice board, and immediately went to the village committee to find the staff. "I have been to several banks before, and there are some loan companies. If the amount of loan is too low, or it is necessary to be mortgaged, sometimes the information is ready, and the work group immediately went to Lao Li's house for field on the field. Investigation, communicated with other villagers, and learned that Old Li has been diligent in the past 20 years, he has been diligent, righteous, harmonious in neighbors, and lives a better life with his own hands. Subsequently, the working group and the village committee conducted a comprehensive evaluation scoring to determine the qualifications to be in line with the loan, and set the quota of 60,000 yuan to inform Lao Li for credit query and field lending.

Three days later, Lao Li's "Tongfu Credit Card" appeared on the first supermarket funds on the supermarket. Lao Li was excited to publicize the villagers in the village, and everyone found the staff to apply for a credit loan. With a good reputation, in -depth publicity, a large -scale registration survey, is the second step in the work of "whole village credit". Therefore, Xiao Wang, who wanted to expand his facade to his supermarket, received 50,000 yuan in expansion funds. The convenience store operated by Xiao Wang and his wife who came back to study, with a net income of about 200,000 yuan each year, which can not only solve the food and clothing, but the children will not worry about their children's job in college in the future. "Many young people go out to work. With funds, we can still do bigger and stronger. We don't go there, so we are here." Rural revitalization requires these motivated young people. "The whole village is the whole village. The financial support sent by credit made them no longer fear. The rural retail industry is also a "small economy format" with a lot of "whole village credit" services. They are "some stars" in the economic industry. Not only are they facilitating the needs of villagers' lives, they are also a unique " Fireworks atmosphere.

The boom and vitality of the Guogu industry

In the hot summer, a laughter and laughter in the Gua fields in Bei Village, Xiong Ling Township, Yunngang District, Datong City. The melon farmers are busy introducing the characteristics of Beicun hanging melon to the citizens who come to buy Gua. "The yellow gourds are tender and sweet, the red cricket melon is super sweet, the cucumber is thin and thick, and the size of the size." The 55 -year -old Beicun Gua farmer Chen and his wife, who proudly introduced the melon. Guadian is full of customers who come to pick. Mr. Zhang's family of three is traveling between melon seedlings to choose the hanging melon. "Beicun's melon is famous for its deliciousness, and it can allow children to experience the themself picking themselves. Fun, enriching the child's holiday life. "

Xihan Lingxiang North Village is the "vanguard" of Datong Rural Commercial Bank to help rural rejuvenation and promote industrial development, actively explore new development paths, and use industry -based to invest credit funds into grain production, agricultural product supply, and characteristic industrial chain. Datong Rural Commercial Bank took the "Credit Village Credit" as the starting point, and fully supported the development of the characteristic industries of the agricultural subjects in Beicun. 250 sheds were successively built in the north of the village. , Pure, Jinwang, Boyang, Honey Honey and other excellent hanging melons, melon farmers choose to plant themselves. Lao Li is the authentic farmers of Beicun. In early 2022, he applied to Datong Rural Commercial Bank of Datong Rural Commercial Bank through the "Credit Village Credit" policy in early 2022, contracting two greenhouses to plant hanging melons, and the annual income of the two greenhouses It reaches more than 50,000 yuan. "The whole village credit is really a good policy. Both my neighbors and I have applied for a credit of 50,000 to 100,000. I have helped us to buy seeds, planting, and transportation!"

With the support of Datong Rural Commercial Bank, Beicun has built two fields and fruits markets, which not only can achieve centralized sales of melon and fruits, but also promote the organic integration of characteristic planting industries and leisure tourism. Datong Rural Commercial Bank, as an important force to support rural rejuvenation in the region, will ensure the development of rural industry as a strategic work, help the characteristic agricultural industry in the jurisdiction boom, and show new vitality on the road of inclusive financial!

At present, Datong Rural Commercial Bank has 60 business outlets, and 39 financial service stations are constructed in administrative villages in more than a thousand people. Villagers in many industries such as industry conduct financial services, drive rural farmers to increase their income and help develop industries, and provide strong financial support for rural revitalization. The title of "Rural Rejuvenation and Honor Bank" not only brings financial "living water" to the countryside, but also accelerates the construction of rural credit projects. The rural areas in the new era are not only yellow land, and farmers are no longer "" facing the back of the loess ". They are the main forces of rural development, and they are also witnesses of Datong Rural Commercial Bank play the sound of rural revitalization!

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