Financial water helps the countryside to revitalize the countryside, create a "support farmer" business card

Financial water helps the countryside to revitalize the countryside, create a "support farmer" business card

In 2022, Shandong Qingdao Rural Commercial Bank officially entered the 10th year. Back to the development of Qingdao Rural Commercial Bank, since the establishment of the first rural credit cooperatives in Qingdao City in 1951, the genes of Zhi Nonghui have been deeply rooted in the strategy of Qingdao Rural Commercial Bank.

Whether it was the establishment of rural credit cooperatives in the 1950s, or after the millennium, the establishment of county -level rural cooperative banks and rural credit coalitions, or the city's agricultural credit institution in 2012 to Qingdao Rural Commercial Bank, until 2019 In the listing of A -shares in the year, Qingdao Rural Commercial Bank always adhered to the initial heart of the agriculture, the market positioning of the small agricultural branch was unshakable. In the growth and growth of a Jiazi, we practiced the strategy of rejuvenating the rural revitalization of the countryside with action, deepened transformation and innovation, optimized services to optimize services Models, strengthen science and technology empowerment, and interpret the role of "the main force of supporting farmers' finance" with real measures.

Expansion, financial services to expand the quality

Based on the actual situation in the field of farming for a long time, in the past ten years, Qingdao Rural Commercial Bank has continuously optimized the loan structure, improved the quality of service, and accurately supported the high -quality development of agricultural and rural areas. Not only that, continue to expand the coverage of financial services, and allocate more financial resources to key areas and weak links in rural areas.

On the one hand, increase support for customers in rural areas, develop upstream and downstream farmers of the agricultural industry chain, and actively introduce risk -release mechanisms such as high -quality agricultural guarantee companies, government financial discounts, government compensation funds, and agricultural insurance. The support of retail customers in the field of people's livelihood.

On the other hand, priority supports personal business loans in the relatively stable industry field, cracks difficult loans of farmers, small and micro enterprises, and has difficulty guarantee bottlenecks, promotes the equalization of credit supply opportunities, and improves the acquisition of loans.

Qingdao Rural Commercial Bank has practiced the rural revitalization strategy for ten years, with eight full coverage of "outlets, payment, settlement, channels, networks, services, publicity, training, and training". One kilometer "one kilometer" continuously meets the diversified and multi -level financial needs of rural revitalization.

On the basis of maintaining the full coverage of all townships and towns, the convenience service models such as the "small micro -cloud payment" terminal and the "government bank interconnection E station" are independently developed. Financial Services Village All -covered banking institutions.

Digging depth, digital wisdom can enable inclusive finance

The report of the Twelfth Congress of the Communist Party of China in Shandong Province mentioned that in the next five years, reforms should be promoted in depth. It is necessary to deepen financial reform, accelerate the construction of the financial reform pilot zone, vigorously develop inclusive finance, science and technology finance, and transform finance, and actively cultivate new financial formats.

Among them, inclusive finance refers to expanding financial services to underdeveloped areas and low -income groups under the premise of affordable costs, thereby continuously increasing the penetration rate of financial services. The core of inclusive finance is to provide equal financial services for all levels of society in a comprehensive and effective way.

However, there are relatively few data obtained by rural residents' systems, which restricts the application of inclusive financial services in the "agriculture and rural" field.

Improve the rural financial service network, on the one hand, the top -level design of financial reform, and on the other hand, the continuous sinking of inclusive financial services.

In order to effectively expand the coverage of financial services, Qingdao Rural Commercial Bank has formulated the "Implementation Plan for Credit Credit in the Village" and "Plan for the Credit Work of the Village", which improves credit support and convenience.

It is worth mentioning that Qingdao Rural Commercial Bank closely combines the geographical advantages of the local legal enthusiasts with the geographical advantages of the local legal enthusiasts with fintech. Through the online loan method, it breaks through the restrictions on the business hours and space of traditional physical outlets.

At the same time, in order to solve the problem of lack of credit data of rural customers, Qingdao Rural Commercial Bank actively expands the scene finance and online credit business, promotes an offline face expansion model with the "whole village credit" as its core, and online with online loans as its main body. The breakthrough model has formed an online and offline coordinated work pattern, and launched online loan services for the "letter e loan" series, realizing the organic combination of sensing credit and non -sensing letter.

In the past ten years, the strategic layout of the deeper and breadth of financial services has continued to bring value feedback to Qingdao Rural Commercial Bank.

A series of measures not only effectively expand the coverage of financial services, but also enhance the acceptability, inclusiveness and convenience of credit loans, and effectively introduce "financial water" into millions of households.

Increase temperature, inclusive finance benefits people's livelihood

People's livelihood services are the top priority of inclusive finance.

Qingdao Rural Commercial Bank directly faces the differentiation of regional economic and financial development. Since its establishment, since its establishment, it has adhered to the development of inclusive financial development in poverty -stricken areas, increasing financial supply in poverty and remote areas, and constantly making large rural financial "cakes", which is in line with diversification Financial demand.

Since June 2020, Qingdao Rural Commercial Bank of China and the Organization Department of the Municipal Party Committee, combined with the theme practice activities of "Burning Passion, Building Gong Qingdao", selected more than 120 branch presidents as financial assistants, and launched the "Hundred Financial Assistant Services Rural Revitalization Project" It has also introduced the implementation of the implementation of the implementation of the implementation of the "Top 100 Financial Assistant Services Rural Revitalization Project" and "Evaluation Management Measures" of Qingdao Rural Commercial Bank.

Leading party building, with rural revitalization as the main line, and financial services as the link, 120 financial assistants in Qingdao Rural Commercial Bank give full play to the advantages of financial assistants, enter community villages, streets and alleys, and thousands of households, fulfill financial policy, perform financial policies, and perform financial policies. Financial knowledge and financial fraud preaching, training, services, visiting, condolences and other financial assistants such as the "six one" work responsibilities requirements, innovate the inclusive financial service mechanism, and develop financial products suitable for the development of "agriculture, rural areas, and rural areas." At present, Qingdao Rural Commercial Bank has created provincial villages such as Jiaozhou Jiaoxi Town Ximen Village, Xiajia Village, Langya Town, West Coast, Seven Village of Qigou Town, Aoshan, Aoshan, and Hanjiawu Village, Pingdu Ming Village. strength.

Not only that, Qingdao Rural Commercial Bank has even extended the service tentacles to remote areas such as pension service centers and islands, serving more than 7 million counties of residents. "Crossing the sea and sending finance" has become the norm of financial services in Qingdao Rural Commercial Bank.

At the new starting point of the tenth anniversary of the reorganization and the third anniversary of the listing of A shares, Qingdao Rural Commercial Bank will continue to lead the party building with actual actions, adhere to the main business of the main business of "supporting agriculture", and practice inclusive financial responsibilities. Expand the breadth, depth, and temperature of financial services to the village's revitalization, and help build a pioneering zone of the Qilu model of rural rejuvenation and promote high -quality development of local economy.

Responsible editor: Zhang Wei Guo Jinhui

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