"Little Flowers" in financial live water

"Little Flowers" in financial live water

Border Deda

"Small and micro is the key to the future development of socio -economic. Finance is the basis for supporting small and micro development. The team is the wings of the expansion of small and micro business. It is the guidance of this concept to persist in returning to small and micro finance ..." Below, Heilongjiang Yichun Rural Commercial Bank promoted the comprehensive reform of the small and micro business model, and formed a "blowout" development trend in the 10 years of its establishment. As of the end of May, Yichun Rural Commercial Bank's loan balance exceeded 4.2 billion yuan, an average annual increase of 22.78%, an increase of 4.69 times from the beginning of the restructuring. The loan scale and growth rate ranked first in the city's banking industry.

While gaining eye -catching performance, the bank effectively promoted the financing and development of small and micro enterprises and various industrial and commercial households in the Yichun area, and won praise from local governments. Since 2012, Yichun Rural Commercial Bank has adhered to small and micro finance as the key to helping local economic development, promoting the steady improvement of the business of the bank, and consolidating its own risk control root foundation. Many advanced agricultural and commercial banks in Anhui and other places inspect their studies, learn from experience, and continue to integrate into practice, explore the development of development all the way. Since the restructuring, more than 2,500 small and micro enterprise loans have been issued, with an amount of 9.885 billion yuan. 4 credit indicators, including loan, stabilizing job loan, inclusive small and micro enterprise loans, inclusive small and micro -enterprise credit coverage, the city's banking industry ranks first, and it has practiced "government banks, civic banks, civic banks "Responsibility.

Clear strategy: Keeping for the same force, supporting small and micro is to support the future

Entering a company in Heilongjiang, in the wide factory building, three advanced production lines are continuously processed and produced, and the pickled sauerkrauts have been cooked, roughly washed, disinfected, rinsed, rooted, and cut vegetables and other processes and processes Put in the packaging refrigerated. At this time, the fresh air is scattered with the drunken sour sour, rich, pure, and fresh. "It's time to enter the peak of tourism and sales. With sufficient capital guarantee, you can rest assured to receive orders. Each production line is full of load operation!"

In 2017, the company just started and urgently needed technology and funds. President Tian said that running the bank has become the most hurting him. Just as he was frowning because of funds, Yichun Rural Commercial Bank took the initiative to investigate the factory to learn about the company's loan demand and introduce it to him. In the early morning of the next day, the person who went to the company to investigate, approval, and issue three positions in Yichun Rural Commercial Bank went to the company together. After inquiring and understanding and inspection of various business certificates, the company received a text message approved by the loan application in the evening.

"I really feel unbelievable. I didn't expect it to be so fast. I couldn't solve the problem for a few months. It was solved in two days." Mr. Tian said excitedly. In less than three days, 45 million credit loans were completed, which solved the company's urgency.

"Yichun Rural Commercial Bank has made three years of credit for us to make us more solid in our hearts. This product allows customers to pay the loan at any time according to their needs. The period also corresponds to scattered, avoiding the tension and embarrassment of returning loans at the same time, effectively reducing the risk of insufficient mobile funds. "Mr. Tian praised Yichun Rural Commercial Bank's loan products.

After successful financing, the company's annual output value has reached 273 million yuan, and its fist products have an annual output of 42,600 tons. They are exported to Japan, Australia, South Korea, Russia and other countries. Essence

This is due to the determination of Yichun Rural Commercial Bank of the small and micro business strategy. They seize each market, do not give up every customer, and do not miss every opportunity. beat.

Since the beginning of 2015, Yichun Rural Commercial Bank has investigated and inspected the small and micro operation model of Harbin Rural Commercial Bank. Start up with the top -level design, set up a "small loan center" to set up a "investigation, approval, and distribution" position separation structure to make the special positions and special responsibilities clear. Experience accumulation.

During the operation of the new architecture, the small and micro business of Yichun Rural Commercial Bank's small and micro business was obvious. After the establishment, the small loan center accepted the loan of 154 households 3.670 billion yuan and through 140 households 3.336 billion yuan. economic development.

Adjust tactics: demand -oriented, diverse products respond to small and slight need

In 2016, the Municipal Party Committee and Municipal Government promoted the transformation of the industry in the forest area and vigorously developed the planting, breeding and animal husbandry in the forest. A 65 -year -old Animal Husbandry Co., Ltd., which is run by Zheng Libin, is a representative company.

In recent years, the municipal party committee and municipal government attach great importance to the planting and breeding industry under the forest, which has given us a lot of support policies. Therefore, we want to take advantage of the policy bonus to expand the scale of the lake and sheep. The industry's threshold is low, so it is easy to be regarded by banks as non -physical enterprises' institutional "one -size -fits -all". It is extremely difficult to apply for loans, which has a great impact on our operations. Zheng Libin said with emotion.

Under the recommendation of a friend, I came to Yichun Rural Commercial Bank and learned that Yichun Rural Commercial Bank launched a "animal prosperous loan" product for farmers' entrepreneurial groups. Receive 6 million yuan of liquidity loans. At present, the company's lake and sheep population can reach about 6,000, all of which are used in the mountains in the mountains, with an annual income of 3 million yuan. Looking at the group -paired lambs, don't mention how happy it is. Zheng Libin said with a smile. In order to meet the product needs of different customer groups, Yichun Rural Commercial Bank has launched "Qingsong Finance" for different industries, special groups, or special stages to understand the operating characteristics of different industries, special groups or special stages by increasing the investigation efforts, the laws of use of capital, and focusing on. The series of 48 -type financial products have greatly optimized the customer's loan experience and solved the financial needs of customers in production and operation and daily life.

While increasing product innovation, Yichun Rural Commercial Bank also strengthened the investment in the small and micro line. Management of loan marketing and credit investigation. Young employees with strong business capabilities, strong innovation capabilities, and high ideological quality have been enriched to the small and micro teams in publicly screening and selection.

Starting the battle: Many and real, do not give up any small and micro customers

This year, Yichun Rural Commercial Bank fully launched the "Credit Credit" activity, implemented grid management, and made a clear responsibility for the administrative villages, communities, and communities in the jurisdiction to make offline marketing publicity more standardized. Consolidate the relationship between "banking and enterprise", sharing market resources, and the matching of product promotion services with different industries, markets, and customers, and further open up customer acquisition channels. Focusing on the entry of the agency, the campus, the mall, the park, enter the park, enter the scenic area, enter the countryside, enter the community, enter the enterprise to set up a "eight -entering" marketing team, the members of the head office are the leader, and the specific implementation of the "eight entrance" work will be formulated. Details to ensure that the activities are carried out solidly and achieve practical results.

"We must give full play to our own advantages, actively integrate into the production and life of the people, do practical things for the people, use the active service to exchange customers' recognition, and let people's bank brands go deep into the hearts of the people in their jurisdictions." A executive of the micro -industry line line said, "We will take every activity seriously to carry out orderly, formal innovation, and effective marketing. Collect mature experience, successful cases, market information, etc. in marketing activities on time, etc. Hold a exchange seminar, share the knowledge of dry goods, stimulate the vitality of the whole staff, and form a good atmosphere of chasing me and making progress together. "

Focusing on the overall strategy, accelerating tactical innovation and upgrading, focusing on comprehensive marketing, Yichun Rural Commercial Bank will continue to optimize the reform of the internal structural reform, based on regional economic development and inclusive finance, increase innovation practice, and directly directly with customers with customers. , Frequent communication and interaction, design comprehensive financial products in a targeted manner, and achieve the full coverage of "one -stop" and "one -sided" financial services, thereby deeply tap the potential of various customer bases, further enhance the market share, realize the development of small and micro business, In the new level, inclusive financial capabilities have reached a new height, contributed to the successful experience of Yichun Rural Commercial Bank of high -quality development, and set up advanced benchmarks!

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