Make "Credit Village Credit" more people and understand farmers

Make "Credit Village Credit" more people and understand farmers

Wang Zizi

Recently, Sichuan Yixian Rural Commercial Bank and the rural work leadership group of the county party committee jointly issued the "Implementation Plan for the Development of Rural Credit Rural Credit Levels and Financial Supporting Agricultural Management Anthology" in Sichuan County Party Committee. The collection and credit work of agricultural business economic information files are officially launched.

For a long time, Yixian Rural Commercial Bank has always practiced the purpose of serving the "three rural" mission, carrying the banner of the main military bank of rural finance, and interpreting "Sichuan Agricultural Credit, Sichuan people's own banks" with practical actions, and actively promoted " "Credit" work in the whole village, treat farmers as loved ones, make friends with villagers, actively do the "pioneers" of inclusive finance, and write about the great articles for rural revitalization to serve rural revitalization.

Carry forward the spirit of agricultural trust and make "whole village credit" more people with people

Li County Rural Commercial Bank has always surnamed "farmers" and has always been connected to the blood of the people in the countryside. In the past, the older generation of "agricultural believers" shoulder back bags, walked through the fields, actively popularized financial knowledge for the vast number of rural people, sent warm -hearted financial services, eat with the people, walked together, left in the hearts of ordinary people, left in the hearts of ordinary people. Eternal mark.

Nowadays, the new generation of "Xixian Rural Trustmen" engine has passed the relay stick and actively promotes the "backpack spirit" of the older generation of agricultural believers. Five lists of farmers, family farms, agricultural specialized institutes, leading agricultural enterprises, and village collective economic organizations have gradually collected economic archives, gradually checking information and data, taking thousands of households, visiting 10,000 households, and further closer through the "whole village credit" to further shorten up Distance from the people. At the same time, the bank also remembered related departments and other relevant departments of the Agricultural and Rural Bureau to patiently interpret the policy of supporting agriculture, actively publicize the method of agricultural economic development, and send financial "timely rain" and "new way to get rich" to the production and life of the people in the countryside. The good opportunities and magic weapons have deepened the "fish and water" with the people of the countryside. Never leave."

Since the beginning of this year, the bank has actively connected the county party committee and county government. Under the leadership of the rural work leadership group of the county party committee of the county party committee, the "Credit Village Credit" work was fully promoted in 161 rural areas in the county.

"Credit Credit" means that the bank establishes economic information archives for the establishment of the village with qualified farmers and new agricultural economic entities in the area under the jurisdiction. The credit rating is evaluated according to its credit conditions, and the "pre -credit" is concentrated, leaving "backup funds" , Make farmers and new agricultural business entities use "credit quota" to obtain loans when they need demand. Its integration of cost saving costs, long credit periods, interest rate discounts, and door -to -door processing can truly solve farmers and new agricultural business entities. " "Difficulty in financing" and "expensive financing".

Customer managers collect economic information on the line of the person in charge of the new type of agricultural operations.

The golden cup and silver cup are worse than the reputation of ordinary people. "I originally planned to open a farmhouse at the beginning of this year, but the family couldn't get so much money for a while and a half. I have helped me very much." The county Sanhe Village carried out the work of "whole village credit". He learned that his credit amount was learned, and Master Sun, the villager, couldn't get together. "After a few days of contact, I found that the" Credit Credit Credit "of the Gongxian Rural Commercial Bank was a big project that sincerely benefited the villagers. It is really close to the lives of the people, intimate and warm!" Some say.

Innovate the idea of ​​work, so that "the whole village credit" understands farmers

In recent years, Yixian Rural Commercial Bank has always insisted on deep cultivation of the three farmers, inclined more financial resources towards the "agriculture, rural" field, and promoted the high -quality development of the rural economy. At the same time, in order to use the work of "whole village credit" as a systematic project, the bank actively sorted out the relevant processes and detailed measures of "Credit Village Credit", relying on the "silver administration cooperation" platform established by the county party committee and county government to use farmers and households and The needs of the new type of agricultural business entities are guided by the demand for the new mechanism of "whole village credit" work.

At the same time, Yixian Rural Commercial Bank combined with the financial demand information collected in the "Credit Village Credit" and the current trend of rural economic development, actively increased the innovation of loan products, effectively catered to the characteristics of the characteristic industry characteristics of Lixian County A series of special credit products such as "Golden Pig Loan", "Rural Revitalization Loan", "Ben Niu Farmers Loan", "Agreement of Agricultural Revitalization Loan", "Zhi Xiaoxi Commercial Loan", etc., have formed a multi -level, wide coverage, and differentiated credit product system. Essence Not only that, the bank also relies on online products such as "Shuxin E mobile banking", "Shu Xin E loan", "Shu Xin E Small Agricultural Loan", and other online products such as Sichuan Agricultural Credit. Established an efficient and convenient "financial service network" of rural financial services; actively selected young employees with high quality and high -quality capabilities to enrich the front line of financial service teams, regularly conduct learning training, and continuously improved the understanding of employees' awareness of rural revitalization strategies at the same time. Employees serve the quality and efficiency of local socioeconomic and economy, and focus on creating a professional team of "love the countryside and understand agriculture". In order to do a good job of "whole village credit" work, to serve the rural revitalization into the continuous vitality.

Zhao, located in Detian Village, Patrol Town, Pixian County, has grown peppercorns for a long time. Sometimes, some urgent "emergency funds" can be solved when they encounter procurement of fertilizer and agricultural machinery. This year, Yixian Rural Commercial Bank carried out the work of "Credit Village Credit" in Detian Village where Zhao was located. The staff went to Zhao's house in person to establish an economic information file in time for Zhao and his family members. After the evaluation, Zhao's credit limit was evaluated to excellent level, and credit credit was given in time. After the credit was successful, Zhao passed the online intelligent loan of "Shu Xin E · Small Agricultural Loan" by the "Shuxin E · Small Agricultural Loan" by the Yixian County Rural Commercial Bank. He said happily: "The people of the Rural Commercial Bank are really intimate, on -site services, so that I also have my own loan amount. When I want to use a loan in the future, I do n’t need to do it without a boat and car. , Smart and convenient, the operation is simple, it is really in line with the needs of our farmers. "It is also since then, Zhao, who has tasted the" whole village credit "and" sweetness ", explained his best. The propagandist and salesperson of the "Credit Village Credit" let everyone in the village know the benefits of "the whole village credit" and the intimate service of the Yixian Rural Commercial Bank. As of the end of July, the bank has established an economic information file through 53,900 agricultural households in the county. The coverage rate of farmers' economic archives has reached 98%, and the number of small creditors for small amounts of farmers is about 20,000 households. 34%. At present, the bank is actively cooperating with the Qixian County Agricultural and Rural Bureau and the People's Bank of China to carry out a new round of "whole village credit" work, and actively carry out the new round of online economic archives collection and credit assessment of farmers and new agricultural operations. Ensure that through on -site services, communicate with farmers and new agricultural business entities, collect and improve relevant customer file information, conduct centralized classification and credit assessment, and establish a more comprehensive economic archives for the county's effective farmers and new agricultural business entities in the county to meet in a timely manner in time. The funding needs of farmers and new agricultural business entities in daily life and production, so as to achieve the purpose of "credit+credit", "online+offline" and "product+mechanism", truly pass through the "financial services of financial services "Last mile", ensure that you strive to get out of a new way for rural revitalization of the county party committee to "match", financial "setting up", credit "connecting", and "satisfaction" of the masses, further serve the new type of agricultural business entity, and truly solve the rural "loan difficulty in loan difficulty The problem of financing difficulties can help rural revitalization.

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