Deeply cultivate the "Thousand Township Villages" to help rural revitalization

Deeply cultivate the "Thousand Township Villages" to help rural revitalization

Zhong Kangjun Su Mingqiu and Guo Anyong

Anhua County, Yiyang City, Hunan Province is a poverty -stricken county -level mountain -level poverty -stricken county. There is no obvious special economy except the black tea industry. Facing the truth, Agricultural Bank of Agricultural Bank of Hunan Province Anhua Sub -branch is not afraid of difficulties, and in -depth implementation of the deployment of the superior "deep cultivation of thousands of villages and helping rural revitalization". The path of marketing follows up, the hoof is steadily working hard to strengthen the country's cultivation, strengthen the "three rural" market capabilities with the spirit of "break, create, and dry", and promote the "deep cultivation of the countryside" work in all aspects and multiple measures. The "Huinong Gold Signboard" has achieved good results.

Improve political standing and find the path of development

The branch clarifies the business philosophy. According to the actual situation of the large projects of Anhua County and the number of large customers, the sub -branch is based on rural revitalization and precision poverty alleviation. Promote the full strength, fight a strong battle and long -lasting battle; strengthen the construction of work style, set up a working leadership group and 11 rural revitalization service teams, adhere to the first -level work, leading cadres to demonstrate, unify ideas to condense consensus, unified ideas to consensus consensus, Establish the concept of "not only planning, only the market", and carry forward the "Meishan Spirit" of the Anhua people's "eating hard and hegemony". Taking the characteristic industries such as black tea and Chinese medicinal materials as key industries, we will continue to do deep and thoroughly in the industrial chain. The towns and villages around the outlets and rich resources are the key areas as the key areas.

Deepen the docking of "political silver", co -promoting coordination

Relying on the government's full effort, the party committee of the sub -branch has repeatedly reported to the local party and government leaders and departments, and obtained the strong support of the townships of all units in the county's "deep cultivation of the countryside" by the government's document and county leadership instructions. Strengthen the docking of "Yin Village". The sub -branch signed a cooperation agreement with 14 administrative villages to build a "Yin Village" joint demonstration benchmark. The Lecture Hall of the University of Agriculture, a lecture on the Huinong University lecture on 52 games throughout the year. The lecture targets are the secretary of the village party branch, the new agricultural business entity and the township residents. social influence.

Implement "three elasticity" and release personnel vitality

The branch carried out the agency to help the grassroots, and the leaders and the Ministry of the Ministry hung 11 outlets. The leaders of the bank went to the hanging point outlets to guide the deep cultivation of rural work. Effectively solve the difficulty of lack of people on the outlet; optimize the labor group, and equip the personnel with upper -pressure agencies and the base layer to ensure that each outlet has at least 6 employees. Communicate with the two committees of the village branch to fully understand the situation of the farmers' construction farmers, and actively carry out comprehensive marketing while building files and lending in the construction of files. For example, there are 6 employees of the Xianxi Branch, 59 years old, 51 years old, 51 years old, and 52 years old authorized by the lobby. The frequency of entering the village, the "Spring Action" assessment in 2021 jumped from the annual ranking to the first place in the branch, with a new loan of 15.15 million yuan in the year, of which 12.19 million yuan in "Huinong E loan".

Strengthen comprehensive marketing and enhance development momentum

The Anhua Sub -branch clarified the marketing goal, formulated a comprehensive marketing plan for "deep cultivation of the countryside", and included the establishment of files and credit cards, palm silver, micro -banking powder, out -of -the -ware gold suction, aggregation code, village account and other indicators in synchronization. Comprehensive marketing awareness, take the opportunity of entering the village as an opportunity to increase the intensive marketing efforts, and drive the comprehensive development of retail and public business. The entire 11 outlets enter the village a total of 1632 times a year, with an average of 5 outlets entering the village to enter the households to carry out households per day to carry out home development. Comprehensive marketing; the allocation of tilted resources, a separate allocation of performance salary of 100,000 yuan and a special cost of 450,000 yuan, rewarding the farmers' information construction files, "Huinong e loan" village account, and the administrative village of building files. Household allocation costs of 30 yuan, new marketing village accounts and archives reaching the standard administrative village for each reward of 2,000 yuan. Guests are transformed into comprehensive marketing results; strengthened assessment and supervision, increased the weight of "Huinong E loan" and farmers' information construction assessment, and set up 80 points and 20 points in comprehensive performance assessment throughout the year. , Incorporate the work of the Ministry of Bags into the rural work into the balanced score card assessment, increase the assessment of the person in charge of the office, establish the WeChat group of deep cultivation of the countryside, perform daily performance, follow the progress, implement weekly notifications, monthly supervision, and quarter analysis, promote work promotion The poor outlets implemented an interview and accountable, and formed a good atmosphere in which the learning was over.

Strictly promote procedures and effectively prevent and control risks

Persist in operating according to process compliance. Strictly follow the "Five Step Laws" of farmers' information files to enter the village to enter the household, implement key actions such as the recommendation of the village committee, the evaluation of the villagers group, the household survey, and the collective collection. The value assessment standards for farm houses and major industry industries will determine the credit limit in accordance with the assets of farmers' assets, sources of income, and repayment capabilities to achieve "small amounts and wide faces"; implement post loan management responsibilities, do a good job of first loan inspection, on -site inspection and other regulations Action, make full use of the "Beacon Platform" for live monitoring, strictly prevent loan funds from flowing into the housing market, stock market, usury and other illegal purposes, and regularly monitor the credit products of all banks. In the 26th issue of the "Moving Tips for the Loan Category", the quality of the entire loan was continuously optimized. At the end of the year, the balance of non -performing loans at the end of the year was 12.83 million yuan, and the non -performing rate was 0.34%, which was 0.12 percentage points below the province. The main business has increased significantly. Various loans throughout the bank increased by 610 million yuan from the beginning of the year, the most increased year in the past five years. Among them, the net increase of "Huinong E loan" increased by 210 million yuan, an increase of 110 million yuan year -on -year 34.5%is the only branch in the province with a net increase of 200 million yuan. Personal deposits increased by 490 million yuan compared with the beginning of the year, an increase of 180 million yuan year -on -year, of which 120 million yuan was driven through the construction of farmers' information files. The annual business income was 24.47 million yuan, and the four -line share increased by 25 percentage points to achieve dialing. After reserve profit of 86.7 million yuan and net profit of 64.97 million yuan.

Comprehensive marketing has initially achieved results. The whole bank has promoted the construction of farmers' information in 240 administrative villages, 4,198 households in mobile terminals, and ranked second in the provincial branch and entered the top 100 national branches. Ranking the second in the province; through "File Thrics+" and "Huinong E Loan+", it has driven the comprehensive development of various businesses of the sub -branch. Micro -silver attracts 21,700 households, ranking first in the province; personal VIP customers add 2,800 households, and Cang Yinyue Monthly 42,000 households, 4,500 new households, 2,527 new credit card customers, and 4046 newly added three -party depository management, all ranked first in the city. There are 249 newly opened public settlement accounts for public settlement, with 243 increasing public valid customers, 374 increments on active customers on public lines, and 65 net increases for public loan customers. Comprehensive performance assessment development and transformation ranks first in the city.

The relationship between "political and silver" is closer. By actively helping the rural revitalization and building a basis for the cooperation of "political and silver", the county's medical insurance center and 30 settlement hospitals settled at the Agricultural Bank of China 100%of the public account, and the project drove the public stability of 270 million yuan; Settlement, re -find a new path for Huinong Card to create a closed model of "fund expenditures, medical institutions, and insurance residents" for capital settlement. Tongtong projects and 1 smart medical projects have accumulated a total of 170 million yuan to 4 designated hospitals in the county.

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