"Four Power and Drive" should be a good "rural revitalization host bank"

"Four Power and Drive" should be a good "rural revitalization host bank"

Chen Min

Since the Six Family Society of Jincheng Agricultural Credit Society, Shanxi Jincheng Agricultural Credit in November 2021, was awarded the "Rural Revitalization Bank" by local party and government, the Party Committee of the Shanxi Provincial Federation of Jincheng Audit Center attached great importance to comprehensively enhanced political standing, strengthened responsibilities, and fully exerted its full play. The "main financial army" role in serving the local economic development, comprehensive, strong, multi -channel helping the implementation of rural rejuvenation strategies, achieved farmers' income, agricultural credit increased efficiency, and the government's satisfactory three -win situation.

The party building and the aggregation force, open the new path of revitalizing the countryside

In order to promote the successful implementation of the rural revitalization strategy, the party committee of the Jincheng Audit Center held a special meeting, established a leadership group to conduct a careful study of rural revitalization work. Leading the most important, the main responsibility must be clear, and the political issuance is the key.

The "first leader" is responsible for the main responsibility. The Jincheng Audit Center and the party committee of various social society should take the main responsibility. The city and county level have established a leadership group of rural revitalization service to designate a special person to actively do a good job of regional docking and coordination and overall allocation. From 2021-2025, the revitalization of rural areas to accelerate the implementation of the modernization of agricultural and rural areas ", clarify job responsibilities, refine target tasks, improve long-term mechanisms, and ensure high standards, high efficiency, and high-quality work.

"Two -way job" builds an information bridge. Under the communication and coordination of the party committee of the city and county levels, the municipal and county governments have successively introduced the "Party Construction and Creation of Financial Intelligence to help rural revitalization action plan". Subdistors) as financial assistants and financial village officials, participating in community governance, rural revitalization and inclusive financial services; government departments sent financial organizations and associates to the Agricultural Credit Society, giving policy guidance to the Agricultural Credit Society to help the Agricultural Credit Society docking agricultural projects , Accelerate modern agricultural transformation. Through the "financial commissioner" of mutual distribution, a bridge of mutual assistance was established, the information barriers were opened, and the whole village credit and credit projects accelerated the quality. As of now, the Gongchen Society of Jincheng has sent 76 financial assistants and 1,709 administrative villages in 77 townships and villages in 77 townships. At the same time, 76 financial organizations were hired and 1689 financial associates were hired.

The "three -level linkage" opens up the political and silver system. The Jincheng Audit Center promptly formulated and introduced the "Party Building+Finance" of the Rural Credit Cooperative of Jincheng City (the implementation of the implementation of the work of helping rural revitalization (trial) ", and organized the county -level party committee and township party committee, county -level party branch branch, administrative village, agricultural village, agricultural village, farming The party members of the Xinhe Society and the village committee party members' third -level pairs of the party, building, co -creation, strengthening interconnection with the outside world, sharing resources, and creating new types of political and silver relations. At present, the sixth houses of the city have signed a party building co -creation agreement with 77 townships (including street office), and 78 party branches in their jurisdiction have signed party building co -creation agreements with 1689 villages (including community) branches.

The mechanism innovation and activation, injecting the new momentum of "rural revitalization"

In order to stimulate internal motivation and mobilize the enthusiasm of all employees, Jincheng Rural Credit Innovation mechanism has injected new kinetic energy into the "rural revitalization" and helped the rural revitalization strategy to implement it smoothly.

Equipped with a full -time team. The "Jincheng Rural Credit Cooperative" Red Vests Delivery "helps the Rural Revitalization Action Plan" has been introduced, and 6 "rural revitalization financial service teams" are formed by various banks. As the main direction of efficiency, vigorously promote the credit work of the whole village, carry out in -depth "big visit, big marketing" activities, and through funding, sinking service, sinking knowledge, sinking of products, and sinking from the Internet. Gold and Silver "were sent to farmers. At present, 543 credit villages have been created, 33 credit communities, and 27 credit markets. From fundamental solving the problem of long -term loans of farmers Implement, the image of agricultural credit has been comprehensively improved.

Carry out special reviews. Jincheng Rural Credit Society carefully selects veteran cadres, old teachers, shop owners, and village committees accounting teams in various villages (committees, communities) to form a review team. "The review team, relying on the reviewers to conduct at least three rounds of reviews, clarify the evaluation rules and workflow, realize the full coverage of all administrative villages, and highlight fairness, justice, and public.

Formulate a special process. All banks have established credit target accounts to launch the entire village credit system in accordance with the process of "no sense of credit, feedback, centralized signing, and convenient use of credit". The credit work of the whole village has shifted from offline to "offline+online", from cumbersome data to "paperless" evaluation, from manual screening to system screening, which greatly improves the work efficiency of the entire village credit. Up to now, Jincheng City ’s Agricultural Credit News Agricultural Credit Credit Trusted farmers have 139,500 households, the credit amount is 4.883 billion yuan.

Launched exclusive products. Adhere to the service concept of "customer -centric and market -oriented", based on the 36 financial products of the Provincial Party Confucius, we have customized financial products, and successively launched special products such as "golden pig loan" and "yellow pear loan". , Cooperating with the provincial integration and municipal integration launched the "total to the total" business, relying on the policy of exemption from the guarantee premium of less than 500,000 yuan, all the farmers' operating loans are included in the "total general" guarantee, which provides rural revitalization with the village revitalization. Precise service. As of now, the balance of the "total" guarantee business has reached 589 million yuan, of which the balance of less than 500,000 yuan has reached 127 million yuan. Serve quality and strong internal forces to enhance the new success of rural revitalization

Jincheng Rural Credit Society actively innovative service models. According to the regional environment and service customer base where the outlets are, they have created a group of colorful theme banks, smart banks, and electronic banks to promote diversified service methods, wide service scope and excellent service effects change.

Create theme banks. Combined with its own resource advantages, regional characteristics, customer needs and other factors, 6 theme banks with differentiated and personalized theme banks: Among them Banks and Gaoping Rural Commercial Bank created the "Party Construction+Sun Red" warm homeland, Yangcheng Rural Commercial Bank and Lingchuan Federation to create "Book Fragrant Bank", Qinshui Rural Commercial Bank to create a "poverty alleviation supermarket" bank. The layout, the environment of the beautification hall, the addition of intelligent equipment in the hall, improve the service level of the outlets, and comprehensively help the implementation of the rural revitalization strategy.

Build a smart bank. Jincheng Rural Credit News upgrades existing outlets, enriches the service functions of the outlets, adds specialized business modules on demand, updates and upgrade smart devices, so that electronic services and counter services are supplemented with each other. As of the end of May, a total of 100 smart banks were built in the city, accounting for 55.56%of the city's business outlets, and 144 smart machines, including 107 smart tellers and 37 cash fast cabinets.

Optimize electronic banks. Adopt the expansion method of "market segmentation, customer layering, offline, online wings, internal grasping innovation, and external extension cooperation" to promote the formation of comprehensive marketing products and channel systems that are full of customers, full varieties, and full coverage Essence Up to now, the city's agricultural credit cooperatives have built a total of 1048 financial service stations, 1047 supporting farmers 'funds, 268 ATM machines, 34,715 merchants in the marketing "e -payment", and 30.41 million bank cards issued, including residents' health The card was 20.832 million, and the coverage rate of residents reached 100%; 93,4443 WeChat banks were expanded, 43,2919 mobile banking banks, and 513017 "enjoying life".

Positive incentives increase effectiveness, and promote new results in rural revitalization

Establish an incentive mechanism. The Jincheng Audit Center formulates the assessment plan and key work assessment plan for the performance index of the performance, clarify the target tasks and work priorities, and evaluate the various banks on a monthly basis. Reward in a timely manner, through the operating mechanisms of sun -exposure orders, weekly analysis, Xun notification, and monthly assessment, to share the semi -season -based experience of the performance of good performance, analyze the spokesperson for poor performance, and break the performance of employees with outstanding performance. The promotion has maximized the enthusiasm, creativity, and initiative of all members' work.

Strict supervision and inspection. The Jincheng Audit Center established a supervision group to organize special personnel to adopt on -site inspections, field inspections, non -on -site random inspections, and unannounced visits to supervise and inspect the effectiveness of the rural revitalization service group. Performing duties, advanced experience, work effectiveness, etc.; Timely sharing good experiences and practices, timely adjust the service team candidates for not performing duties, not implementing, and inaction in the revitalization of the countryside.

Open a propaganda column. Make full use of the media such as radio, television, WeChat public account, and promote the advanced models of rural rejuvenation in all -round, wide coverage, great efforts, and multi -perspectives. The advantages of financial products and services, through promoting the main theme, spreading positive energy, and creating a good atmosphere of entrepreneurship.

As of the end of May, the balance of various deposits of Jincheng Agricultural Credit Society reached 87.8 billion yuan, an increase of 12.107 billion yuan from the beginning of the year, and 157.23%of the annual tasks; the balance of various loans reached 43.238 billion yuan, an increase of 5.118 billion yuan from the early year; The balance of physical loans was 37.095 billion yuan, an increase of 3.349 billion yuan from the beginning of the year. The balance of the loan of inclusive small and micro enterprises was 6.114 billion yuan, an increase of 808 million yuan from the beginning of the year. In addition, Jincheng Rural Credit Society was rated by the Municipal Party Committee and Municipal Government as the 2021 "Support Local Economic Development Quality Service Unit", "Excellent Unit of Rural Revitalization and Construction", "Supporting Outstanding Units of Private Economic Development", "financial reform and innovation project", "entering the enterprise "Serving excellent teams" and many other awards.

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