"Three steps" help credit business expansion markets and premium assets

"Three steps" help credit business expansion markets and premium assets

Yang Lichao Wang Xinyu

Shanxi Changzhi Agricultural Credit Society closely surrounds the "five uninteresting", and firmly adheres to the direction of the credit distribution of rural revitalization, small and micro entity, and major projects. Improve the "three mechanisms" of business competitions, assessment incentives, supervision and supervision, continue to expand the credit market, improve the scale of loans, and optimize the asset structure. As of the end of July, the balance of various loans of the city's agricultural credit cooperatives increased by 10.89 billion yuan compared with the beginning of the year, and the balance of physical loans increased by 7.55 billion yuan from the beginning of the year. Yuan, an increase of 5.02%at the beginning of the year.

Persist in returning to the origin, focusing on the main business, and firmly adhere to the direction of credit distribution of rural revitalization, small and micro entity, and major projects. The city's agricultural credit cooperative adheres to the "agriculture and rural" positioning, and fully combines the planning of the Changzhi Municipal Party Committee and the Municipal Government to determine the modernization of agricultural and rural areas. Combined with the resource endowment and industrial development of various counties, it supports "Pingshun Chinese Medicine", "Qinzhou Huanghuang Huanghuang". The industrialization of the characteristic agricultural products such as Xiaomi has led to rural revitalization and supports the continuous quality of new types of agricultural business entities, two types of new agricultural business entities, such as family farms and farmers 'cooperatives, and actively launched the conditions for improving farmers' use of "whole village credit" to help rural revitalization. At the same time, focusing on the work requirements of the service market subject, the work requirements of the service areas in the jurisdiction, fine management of the service area within their jurisdiction, grid services for individual industrial and commercial households, small and micro enterprises, and by determining the packaging (package community, bag shopping mall) customers The manager and posting the service plate with information with the information of the customer manager, and conduct normalized visits to further simplify the process and follow up services to meet their fast and timely service needs; based on Changzhi to build the goal of the national resource -based city transformation and upgrading demonstration zone. Active and comprehensive services, provide financial support for the green upgrade and transformation of traditional industries such as coal, steel, electricity, and chemical industry. It supports the development of emerging industries such as high -end equipment manufacturing and new energy vehicles. , County key projects and demonstration projects of rural revitalization, giving stronger credit support to help the "specialized new" enterprise stars shine, and support the local economy to support the local economy.

Stronger classification operations and precise services, and use the "Division+Internal Trainer" linkage mode to provide excellent services and strengthen the launch. The city's Agricultural Credit Co., Ltd. actively responded to market demand. Based on the differences in location environment and different customer base needs, rural revitalization, small and micro, and companies were established. Micro -Institutional Ministry focuses on serving the small and micro customers in the main urban area and the county, the company's business department, focusing on service key projects and "specialized new" enterprises. Banks actively optimize organizational organizations, select excellent business backbones to enrich to the business department. By implementing a marketing operation separation model, personnel separate personnel according to marketing posts and operations, so that professional people do professional matters, improve work quality, optimize loan -run loans Time; Aiming at the problem of fear of loan, fear of loan, and loan of customer managers, select the backbone of the business to set up a team of internal trainers, and improve professional marketing capabilities through scenario simulation, case practical operation, field help belt, etc., guide the social optimization service process, and Improve the assessment incentive mechanism, improve business supervision methods, stimulate employee marketing potential, and promote the "backpack spirit" through commendation, preaching excellent examples, and exchange marketing experience to enhance marketing enthusiasm.

The city's agricultural credit cooperatives promote work and improve services with special business competitions, special assessment systems, special supervision mechanisms, and improve services, actively carry out special business competitions, and actively carry out physical loans. The entire product and all -round marketing will further expand the effect of marketing; organize the marketing center of the marketing activities of "Winning at Outlets"; through outlets, business departments, between employees, and between branches Improve the enthusiasm of the officers and further improve the progress of the launch; improve the special assessment system, closely focus on the strategic goals of returning to the origin and focusing on the main business, and the goal of completing the annual physical credit. People, detailed decomposition to the week -to -day day to ensure that everyone has goals and progress every day. At the same time, improve the performance assessment system of the adjustment institution, and reasonably adjust the loan business in accordance with the principle of "high cost, low -cost, high -yield, and high valuation". Work progress, guide the majority of employees to actively take responsibility, so that the performance is truly inclined to the grassroots and implemented to creating benefits; carry out special supervision, give full play to the role of supervision, inspection and guaranteeing business, and promoting development. Manage the service survey of farmers, merchants, and communities every month, understand the service situation of customer managers and the financial needs of the majority of customers, and timely solve the business blockage point. On the other hand, the "three defense lines" of the line, audit, and disciplinary inspection are built. , Key supervision of key links and important positions, timely prevent and control business risks, and ensure the steady development of business.

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