Guangdong -related loan balance has exceeded 2 trillion yuan in central bank Guangzhou Branch to improve the quality and efficiency of financial services

21st Century Business Herald reporter Jia Junhui Guangzhou report

Finance is the core of the modern economy, comprehensively promotes the strategy of rural revitalization, and realizes that the modernization of agriculture and rural areas cannot be separated from the strong support of finance.

In recent years, the central bank's Guangzhou Branch has taken the initiative to support key points, guarantee demand, open green lights, promotes innovation, and set up platforms to help harvest and provide solid financial guarantees for Guangdong's comprehensive promotion of rural revitalization.

The 21st Century Business Herald reporters learned from the central bank's Guangzhou Branch that as of the end of August 2022, the balance of agricultural loans from Guangdong was 2.02 trillion yuan, an increase of 12.8%year -on -year, an increase of 21.6.4 billion yuan from the beginning of the year, and an increase of 38.1 billion yuan year -on -year.

Increase the use of policy tools

Strengthening the support of monetary policy tools can effectively guide financial institutions, especially rural financial institutions to increase rural financial supply.

In recent years, the Central Bank Guangzhou Branch has actively explored "monetary policy tools+", comprehensively uses structural monetary policy tools, agricultural loan discounts, guarantee fees, and risk compensation incentive policy tools to strengthen the guarantee of agricultural financing supporting measures, support financial finance to support financial finance Institutions have increased agricultural credit. The industrial chain financing product "Rural Revitalization Loan" and "Monetary Policy Tools+Risk Compensation Fund" for the industrial chain financing product of "Monetary Policy Tools+Financial Full and RMB" are formed. , Guarantee Fund "and other cooperation models.

Data show that from January to August of this year, the central bank's Guangzhou Branch has issued a credit policy support to the agricultural-related field to support and re-loan, re-discounting 19.804 billion yuan, and issuing a inclusive small micro loan support tool to the legal person's financial institutions of RMB 21 million, leveraging to move, leveraging to move The newly added agricultural loan was 202.9 billion yuan, of which 1.675 billion yuan was added to the key rural tourism business entities.

Ensure funds supply in key areas

Financial supports the revitalization of the countryside and finds the effort point, which can achieve more effort.

It is understood that the central bank's Guangzhou Branch guides the central bank to Jiangmen, Chaozhou, Maoming, Zhaoqing and other cities to take the lead in piloting the new type of agricultural business entities. The list of new types of agricultural operations, urge the organizers to comprehensively use online financing service platforms such as "Yuexin Rong" and "Credit Card" and offline sweeping streets to actively connect with new agricultural business entities to further strengthen the connection mechanism of banking and agricultural interest links. Essence

Data show that since the pilot of the new type of agricultural business entity organized in May this year, as of the end of August, the organizers of Jiangmen, Chaozhou and other organizers have reached 97%of the new type of agricultural operating entities that have established a organizer relationship with them. The 241 new agricultural business entities provided a credit of 2.34 billion yuan, the loan balance was 1.7 billion yuan, and the use rate was 72.6%.

At the same time, the Guangzhou Branch also establishes an information sharing mechanism with the relevant industry authorities, establishes a financing list system, regularly provides banking institutions with a list of rural tourism business entities that are affected by the epidemic. Actions have focused on solving financing demands of the main body of the rural tourism market. As of the end of August this year, financial institutions have obtained a total of 401 rural tourism enterprises from local cultural and tourism bureaus, with a loan balance of 544 million yuan, achieving a new credit amount of 303 million yuan.

In addition, the central bank's Guangzhou Branch also guided the financial institutions in their jurisdiction to build an exclusive financing service plan around the agricultural industry chain, and develop the industrial chain supply chain finance according to local conditions.

For example, in accordance with the principle of "one park, one team, one service plan", the Agricultural Bank of China has continuously improved the implementation of exclusive products such as the main body loan and agricultural lending of the industrial park, and actively connects the financing needs of operating entities in the park. As of the end of August this year, the bank supported nearly 33,000 business entities in the industrial park, with a loan balance of 20.6 billion yuan. CCB Guangdong Branch aiming at the "Company+Farmers" cooperation model of Wen's Group, innovating online credit products "Yu Nong Fast Loan (Industrial Chain Edition)", and obtaining information such as farmers' orders through data to achieve online applications, approval, approval The full process service of withdrawal, currently providing credit support for 1136 farmers support 350 million yuan.

Innovate specialty products to serve "agriculture and rural"

In order to accurately meet the financing needs of various types of credit subjects, the central bank Guangzhou Branch focuses on the launch of exclusive credit products in the financial institutions in its jurisdiction around the characteristic industrial clusters and geographical indications agricultural products, and create a characteristic financial product system for "one town, one industry, one village, one product".

For example, in response to the characteristics of concentrated time, short fresh -keeping period, and strong seasonality, Gaozhou Rural Commercial Bank launched a short -term mobile funds loan "litchi loan". As of the end of August this year, 263 pens have been issued, with an amount of 87.01 million yuan; for effectively solving Luo Luo; The financing needs of non-fish breeding storage and processing enterprises, Maoming Rural Commercial Bank launched the "Card Loan-Luo Fei Fish Loan". As of the end of August this year, a total of 201 and 39.34 million yuan were issued. For the prefabricated vegetable industry, the Bank of China Zhaoqing Branch launched "Huihui Huihui Ruyi · Guangdong Yinhuinong Tongbao-exclusive loan plan for the prefabricated vegetable industry ", which has distributed the first prefabricated and Moisturizing Food Co., Ltd. for the prefabricated vegetable leading enterprise, Zhaoqing Haojin Food Co., Ltd. Demand demand for funds.

In addition, the central bank's Guangzhou Branch also actively expands the use of the "Nonglong Tong" platform, continuously improves the construction of the rural credit system, and guides banking institutions to carry out batch credit in the village in a credit village to achieve credit and credit linkages.

As of the end of August this year, the "Nonglongtong" platform has achieved full coverage of county (district, city) that has established a central bank -level branch, with a cumulative collection of 84,500 new agricultural business entities, 7.66 million farmers' credit information; The institution has accumulated a total of 4,472 credit villages in its jurisdiction to implement the "whole village credit", with a credit amount of 58.664 billion yuan, and actually used 77,800 transactions. High -quality building mobile payment demonstration town

Mobile payment is a vanguard for narrowing the gap between urban and rural payment services. The construction of a mobile payment demonstration town is conducive to driving financial resources sinking, and it is an important starting point for financial support for rural revitalization.

It is understood that in 2020, the central bank's Guangzhou Branch and the Guangdong Financial Bureau, first construction of the mobile payment demonstration town launched nationwide, accelerated the promotion of cloud flash payment apps, banks, and payment institutions mobile payment app applications to share and promote the realization of mobile payment " One -yard is full coverage, expanding mobile payment in the integrated application of important convenience such as smart transportation, smart life, smart medical care, and smart pension, and promotes mobile payment from serving people's livelihood to service agricultural production.

As of now, Guangdong Province has built a total of 200 mobile payment demonstration towns and 10 fine demonstration towns; in the first August this year, a total of 73.494 million mobile payment transactions in the establishment of a demonstration town in the construction and establishment of demonstration towns were 1.223 billion yuan.

Earlier, the relevant person in charge of the Central Bank Guangzhou Branch said that the bank will continue to deepen the construction of mobile payment demonstration towns. The first is to increase cooperation in political and silver. United Guangdong Financial Bureau, Agricultural and Rural Affairs Department and other departments, organize banks and payment institutions to coordinate the construction of demonstration towns, strengthen policy guidance and communication and cooperation, and ensure that 100 mobile payment demonstration towns are built in 2022; the second is to consolidate the results of the construction of demonstration towns. Focusing on the main line of "boutique leading demonstration and demonstration drive full coverage", continuously carry out the environmental transformation, scene construction and promotion of mobile payment acceptance, and continuously improve the use rate and coverage of grass -roots mobile payment; efficacy. Focusing on the demand for payment of rural, agriculture, and farmers, actively explore the model of mobile payment and people's livelihood payment, consumption capacity expansion and improvement, and industrial revitalization and development accurate docking models, and promote the full coverage of township mobile payment applications.

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