Hunan Yijiang: "Financial+Credit" Fu Xinneng rural revitalization adds motivation

Huaihua City, Huaihua City, Hunan Province, actively implemented the spirit of the national, provincial, and municipalities on the construction of the social credit system construction documents, innovated the "finance+credit" services, and effectively played a role in promoting the work of rural revitalization.

1. Optimize mechanism design and promote the development of "finance+credit". The first is to improve the system. On the basis of the publicity, implementation and refinement of relevant national, provincial, and municipal relevant policy documents, through further asking about relevant functional departments and financial institutions, the county introduced the "1+6" system for financial services for rural revitalization. The system and the "Implementation Opinions of the Construction of Social Credit System", "Establishing and Implementing a Society for Social Integrated Inspiration and Breaking Credit Inspirational System to Accelerate the Construction of Social Integrity" and "Evaluation Measures for the Construction of Social Credit System", and promote " Financial+credit "serves rural revitalization. The second is to establish an organization. Established the county party committee secretary and the county chief of the county party leader, the county financial service rural revitalization work leadership group; the establishment of the county's credit system construction leadership group with the leader of the county party committee and executive deputy county head, and 32 related units as members; The township financial service center and village secretary of the township chiefs and villages are the village financial service stations. Through the establishment of a three -level organizational system of county, townships, and villages, it has jointly promoted the steadily promotion of financial services to the revitalization of the countryside. The third is to strengthen assessment. Incorporate the rejuvenation of financial services into the performance assessment of the performance assessment of financial institutions and townships, and promote the implementation of the work with clear work orientation. At the same time, led by the People's Bank of China and County Sub -branch, establish a joint meeting system for financial institutions, improve the exchange and negotiation mechanism, and effectively coordinate various tasks and implementation steps.

Second, innovate credit methods to help the development of rural industries. First, on -site acceptance and tailor -made credit products. Carry out the credit work of the rural revitalization of the village through the "one village, one institution" model. According to the village committee, the financial institutions have comprehensively judged the on -site collection information based on the village committee's credit rating results. For different industries and different types of farmers, tailor -made loan solutions and credit products, and approve 3,000 to 300,000 for farmers and new agricultural business entities. The credit limit of the Yuan is not waiting, and the "guaranteed guarantee, unsecured" small credit loan increases farmer's credit acquisition rate. As of the end of July 2022, the county has completed a total of 40,562 farmers' visits, rating credit for 33,850 farmers, a total credit amount of 1.449 billion yuan, and 223 million yuan in credit loans for 3478 farmers. Credit funds are precisely dripped into various aspects such as the upgrading of farmers' industries and the development of collective economy, and inject financial live water into the development of rural revitalization. The second is network credit to speed up loans. Through the development of online products, various financial institutions use tablet terminals and big data to collect farmers 'credit to allow farmers' financial business online, hand -in -hand, and do it at any time. It has enhanced the convenience of rural finance and realized the transformation of financial services from "offline" to "online". The fastest online loan can be lended on the same day to meet the needs of various agricultural -related entities. At present, various financial institutions in the county have nearly 10 online loan products such as "Huinong E loan", "Fuxiang E loan", and "post -mourning loan". Loans for 680 farmers were distributed for 150 million yuan. The third is to increase credit to stimulate the vitality of grassroots governance. Formulate and introduce the "Implementation Plan for the Pilot Work of the Pilot System of the Grassroots Social Governance System of the Qiangjiang Dai Tuban", and promote the financial service work with the pilot system of the integration system, and implement the management of village (residence) behavior and financial credit. Administrative villages transform various affairs such as grassroots social governance and village regulations into quantitative indicators. The villagers (residents) will form a farmer's points in accordance with the points projects one by one. On the basis of the original amount of credit in the whole village, the financial offers of "increased quantities and reducing interest rates" are given higher points. By organizing innovative measures that organically combine "financial services" and "points management", the "small points" of farmers' "small points" moved the "big credit" of financial resources, and the credit value of farmers was dynamically reflected, which greatly increased farmers to participate in credit construction. The initiative and enthusiasm. At present, this work has been piloted in 36 administrative villages in 18 townships in the county, which has been well received by farmers.

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