China Reform News | Longyan, Fujian: The "palm" is full of financial vitality "quantity tailoring" service

China Reform News | Longyan, Fujian: The "palm" is full of financial vitality "quantity tailoring" service

China Reform News

In the past three years, Fujian Longyan City has been approved to create a national inclusive financial reform pilot zone, and has actively promoted the innovation of institutional mechanisms, policy systems and service models, strived to explore the establishment of a modern financial system, and help build a high -quality development demonstration zone in the old and western revolutionary districts. China Reform News issued relevant reports today's 3rd editions.

□ Zhai Fengcai

In 2019, Longyan City, Fujian Province was approved to create a national inclusive financial reform pilot zone. In the past three years, Longyan City has actively promoted the high -quality development of inclusive finance, promoted innovative practices such as institutional mechanisms, policy systems, and service models, and strived to explore the establishment of a modern financial system with high adaptability, competitiveness, and inclusiveness to help the construction The high -quality development demonstration zone of the old revolutionary area of ​​the Minxi.

Data from Longyan Financial Supervision Bureau shows that as of the end of April 2022, the balance of various loans in Longyan City was 302.348 billion yuan, an increase of 14.57%year -on -year, and it maintained double -digit growth for 55 consecutive months; 100 million yuan, the growth rate ranked fourth in the province; the balance of agricultural loans was 114.157 billion yuan, an increase of 13.39%year -on -year, and the growth rate ranked second in the province.

Innovate forest reform guarantee carbon exchange

Inclusive financial reform helps development

Ecology is the biggest advantage of Longyan. Since creating an inclusive financial reform pilot zone, Longyan City has given full play to the advantages of wide forest coverage, continuously deepen the forestry inclusive financial reform, develop green finance and digital finance through innovation of forest -to -forest paths, and strive to provide forest farmers with the "" "" "forest farmers" to open Jinshan Yinshan " Golden key ".

"I use the" Huilinka "to loan 200,000 yuan. With money, I have a bottom, and I have carried out ecological breeding. In the first year, I made 80,000 yuan." Lin Nong Zhong Naiping recalled.

Longyan took the lead in launching an evaluation and guarantee for the nationwide, and the "Huilinka", which was directly mortgaged by the forestry certificate, used the forestry certificate, and was used as the former China Banking Regulatory Commission, the former National Forestry Administration, and the former Ministry of Land and Resources as the three departments. Experience promoted to the country, and was also determined to be promoted to the province in 2021 that the inclusive financial reform of Fujian Province and the typical experience and practices of business environment. At present, the beneficiary farmers have reached 35,000 households.

"Apply the day before, and you can get the next day. The loan on the platform is very convenient and fast." Lin Nong Li Wanbin said the platform in Fujian Province's first forestry financial blockchain financing platform. At present, he has loaned 300,000 on the platform. Yuan. In addition, the nation's first single forestry carbon exchange index insurance was piloted in the trial of Xiaoluo District, Longyan City. This is a positive and bold exploration of the insurance industry to help carbon and carbon carbon neutralize and ensure valuable forestry carbon exchange resources, which is the first nationwide. Under the blessing of inclusive finance, the road of priority green development in Longyan has become wider and wider.

Digital empowerment judicial collaboration

The inclusive financial system is full of vitality

Longyan gives full play to and continuously improves the widely covered and multi -level financial supply system of inclusive finance. A number of policies have been introduced to deepen the supply -side structural reforms, making inclusive finance more pure and energetic. Relying on the "e -Longyan" government APP, set up a "digital inclusive financial service platform", integrate multiple functions, and truly achieve "palm" through "second credit", "cloud handling", "one trip", "run at most" Go to the financial "code".

The Longyan Puhui Financial Judicial Cooperation Center has established a inclusive financial judicial justice with "one game of chess" inclusive, "one -stop service" as its main purpose, "one -stop" solution to the core, and "integrated" prevention and control. Cooperate working platforms to realize personalized and zero -distance inclusive judicial services. As of the end of April this year, 1652 cases of financial disputes were tried, and 2,425 disputes were resolved before the lawsuit, and the cost of litigation was reduced by 580,000 yuan.

"We continue to explore the innovation 'outpatient style' trial model. It used to be closed within 3 months, and now it is basically about 23 days." Luo Xiaoying, the People's Court of Silla District, Longyan City, said. 2 The financial tailoring team of the judge assistant+3 secretary "model to maximize the" simplified case and fast trial ", and is equipped with a complete mediation team. Essence

Digital inclusive financial empowerment, Longyan developed "accelerated". Since 2020, Longyan City has won 60 million yuan in the central and provincial financial awards, ranking first in all districts and cities in the province. In 2021, the total guarantee and guarantee multiples of government financing guarantee institutions ranked among the top in the province. As of the end of April this year, the platform had successfully connected the financing demand of 25,892, with a credit of 6.083 billion yuan. It was rated as a typical experience and practices of the Inclusive Financial Reform of Fujian Province in 2021, and promoted to the province.

Pay attention to new products

Inclusive financial services extend the grassroots

"The development of inclusive finance is not a passion. Innovative financial service methods and connotations are the first source of power. Innovation cannot be just 'icing on the cake', but also to" send charcoal in the snow. " It is continuously extended to the grassroots, county, rural and communities to help rural revitalization. "Lin Longteng, deputy director of Longyan Financial Supervision Bureau.

Since 2019, Longyan City has deployed financial support for rural revitalization for three consecutive years, and has continued to inject financial forces into rural revitalization. As of the first quarter of this year, Longyan Agricultural financing guarantee Co., Ltd. provided guarantee loans for 729 farmers, with a loan guarantee of 182 million yuan. "In response to the special needs of different groups, provide differentiated services in innovation, tailor -made clothes, and continue to open up financial services 'last miles'." Said Ruan Yongcan, deputy director of Longyan Financial Supervision Bureau. In recent years, through continuous exploration, Longyan has promoted the flowering and results of regional characteristics, suitable for small and micro enterprises and "agriculture, rural areas". In the province's first "Supply and Marketing Cooperative+Bank" risk shall be shared, banks handled batch of supply and marketing, the supply and marketing aid loan model, and in the province, the province was the first to launch intellectual property pledge financing centralized credit business, and to build government affairs, finance, e -commerce, logistics in the province The "Five Including Financial · Fenfan Station" of the "Five Integrated" of Minsheng, set up the province's first "Said Service Demonstration Base" ... "Huilinka" and "three rural" comprehensive insurance Longyan models have two reforms and innovations. The results were promoted nationwide. Seven reform and innovation achievements were replicated and promoted throughout the province. A number of innovative measures such as the digital inclusive financial service platform, Wuping County Forestry Financial Blockchain financing service platform were initially set by the People's Bank of China Research Bureau as inclusive finance Reform and innovation case.

"At present, Longyan is building a high -quality development demonstration zone in the revolutionary old district. The construction of the demonstration area has brought new opportunities for the development of inclusive finance." Su Xiongfeng, director of the Longyan Financial Supervision Bureau The real economy, rural rejuvenation, promoting common prosperity, and other injecting financial "living water", forming the characteristics of inclusive financial financial characteristics of revolutionary old districts, in order to comprehensively promote high -quality development transcendence, build a modern cities in southwestern Fujian, and build a happy Longyan with temperature Provide solid financial guarantee.

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Source: China Reform News

Comprehensive editor: Longyan Forestry

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