Feng Wu 吕 Luliang Mountain

Feng Wu 吕 Luliang Mountain

Wu Xiaobo Li Liangliang

What kind of data is there in the Lingxian Cooperative: In 2019, the total amount of agricultural and credit assets in Lingxian County, Shanxi increased by 5.026 billion yuan, an increase of 66%; the balance of various deposits increased by 4.548 billion yuan, an increase of 71.64%; the increase in the balance of various loans increased 2.069 billion yuan, an increase of 63%; non -performing loans decreased by 437 million yuan, a decrease of 633%; the non -performing loan rate decreased by 13.69%; the preparation coverage rate increased by 146.38%; the regulatory rating increased from 6B to 4A.

In the past few years, there are too many keywords around Luliang Lin County, Shanxi Province. The new party committee's "three -dimensional resonance", breaks away from positioning, breaks out marketing thinking, breaks down laziness, and is new and new. In just 3 years, deep and twists and turns have occurred. story".

Explore the "Four Transformation" innovation competition passwords

How to change the problem of slow growth in credit business, poor operating efficiency, and decline in depository ratio? Linxian Agricultural Credit takes the "four transformations" as the starting point. From the thoughts to action, from mechanism to performance, innovative competition passwords, the marketing of all employees is truly landed, and the high -quality development of various businesses leapfrog.

The transformation of thinking broke through the psychological "big mountain". Linxian Agricultural Xin establishes the marketing concept of all employees, and promotes all members to run from "sitting" to "outer extension", running from "Hall" to "streets and alleys", from "full marketing" to "full marketing", as of 6 At the end of the month, this year, 10,428 households were added, with an amount of 687 million yuan; the number of physical loan households increased by 5,379 households, with an amount of 383 million yuan. , Line Tianwei Performance System, establish a "paid" assessment mechanism to achieve the principle of incentives of vertical assessment, distribution according to labor, and accurate people, mobilize and stimulate employees' marketing enthusiasm; Salary, rolling performance growth, the person in charge of the outlets set up 3,000 yuan in management salary assessment in addition to performance salary, assessment in marketing development, credit quality management, and civilized service management. Cashful on the spot, promote the growth of marketing performance, turn the counter, consolidate the marketing team, implement the cabinet transfer, and select the posts of the customer manager. At present, the customer manager has increased from 76 in 2019 to the current 110, an increase of 45%; Credit transformation, break through the "shackles" of the action, and set up a new model of "decentralized marketing and centralized management" in accordance with the idea of ​​"process banking". Implement centralized management of credit within the jurisdiction of security, Baiwen, and urban areas, full -time marketing, segmented management, and batch surveys to create a "new engine" of credit transformation. Since the pilot of the fourth quarter of last year, the average monthly loan investment volume of pilot customers manager is 23. Compared with credit concentration, an increase of 238%.

The "Five Measures" of the Layout of the Plumment to strengthen the marketing team

Return to the origin and form the small and micro parts of the three farmers. Lintian agricultural Xinxin has a small and micro team of three farmers through the principle of bidding for employment, choosing the principles of best, and 29 customer managers walking in the streets and entering the village to get 100 million yuan in a 100 -day letter. , Establish a marketing management department, dispatch employees with live labor, set up a full -time marketing team to be responsible for product marketing, to enter the county hotels and supermarkets, to connect to the streets of small merchants and hawkers, extend financial services, especially "Jinxiang E payment" The two -dimensional code is distributed, which has accumulated 4,100 new merchants this year, reaching 205%of the whole year; small and micro sought for small and micro, set up a company business department, special small and micro enterprise credit departments, and set up 10 excellent departments and outlets Team of large customer managers of the person in charge, the capital needs of small and micro enterprises in the grids of the grids, and do a good job of financial support to stabilize the employment of enterprises under the epidemic. As of now, a total of over 214 million yuan in small and micro -credit funds has been launched. Drive the employment of farmers of 3812; the reform mechanism and optimize the new internal control system. Strengthen the concept of grassroots service at the organs, establish the "team+branch secretary+institution+outlets" contract mechanism, and incorporate the comprehensive evaluation results of the outlets into the performance assessment of the contracting branch secretary and the office of the agency. The members of the team and the Baolian personnel participated in the Morning Festival meeting at least once a month to convey the business development orientation and enhance the marketing capabilities of the grass -roots outlets; the iron fist was cleared, and it was difficult to overcome the "double drop". In the group, all the asset insurance is set up, formulating the treatment measures, specific analysis of the problem, and comprehensively using various methods such as renewal activation, cash collection, and public debt -to -account sales to innovate and clear the channels, alleviate the pressure of inferior assets, deepen and law affairs affairs The cooperation institute will increase the collection of litigation in accordance with the law, improve the effectiveness of litigation collection, grasp the time to apply for pre -preparation of the debtor's property, and create a good external environment for the collection of collection. As of the end of June, the amount of non -performing loans is 69.74 million yuan The non -performing loan decreased by 437 million yuan from early 2019, a decrease of 633%, and a decrease of the non -performing loan rate decreased by 13.69%, with obvious results.

"Three types of responsibilities" for forging brilliant cards

Serve a small intimate person. Lintian Agricultural Credit has increased support for new agricultural business enterprises such as "mushroom planting, purchasing and sale, and rice processing", opening up investigations, reviewing, and approval of green channels, shortening loan chains, and promoting the growth of the rural real economy; in the face of new crown pneumonia, pneumonia The epidemic, strictly implement the policy of financial bailout and benefit enterprises, and continuously reduce financing costs. The person in charge of various outlets conducts financing questionnaires on the door of the enterprises in their jurisdictions. The overall situation of the "Six Insurance", at present, the balance of loans for small and micro enterprises has increased by nearly 5 times compared with the beginning of 2019. The cumulative investment in small and micro enterprises has exceeded 1.12 billion yuan in development credit funds, and the background of financial benefits and benefits is getting stronger. The leader of "Credit Credit". Linxian Agricultural Credit in accordance with the policy of "overall planning, with point -to -face, and comprehensive promotion", conducting a research and investigation of 472 administrative villages in the county, formulated the "Evaluation Plan for Credit Implementation of the Credit Village of Linxian County" The scope of salary assessment; each outlet selection of a pilot village on a monthly basis to carry out a "whole village credit" promotion meeting to strengthen the process control and improve the acceptance standards. "Lianxin Bridge", as of the end of June, this year's "Credit Village Credit" was launched 96 times, covering 8,515 farmers, benefiting 5,965 farmers, 225 million yuan in credit, and the bright color of serving rural revitalization.

Practice practitioner of inclusive finance. How to do a good job of inclusive finance and open up the "last mile" of financial services, so that the financial "live water" can achieve precise drip irrigation? Linxian Agricultural Credit breaks through the service scenario restrictions. On the one hand, it establishes outdoor stations in the ancient town of Laoukou. Effectively combine work to build a promotional base for inclusive financial work, and then use the ancient town as a demonstration point to comprehensively promote the mouthplace model. On the other hand, the service system of "basic finance does not leave villages and comprehensive finance does not go out of the town". Remote villages have established 118 financial service stations, of which 13 helped farmers' services terminals, 43 POS machines to help farmers, benefit more than 20 million people in the county; break through the service time restrictions, and organize all members to the Fengfeng in their jurisdictions. Garden, Berlin Garden, Wan'an Garden and other 18 jurisdictions relocated the "new citizen" community to carry out "send financial products into the community" activities, unblock financial service channels, and continuously improve the sense of belonging and happiness index of "new citizens" into the urban and towns As of now, 123 entrepreneurial loans for the "new citizen" of the community, with a amount of 9.7 million yuan, 95 housing decoration type loans, with a amount of 6.8 million yuan; breakthroughs in service regions to promote the extension of inclusive finance outside the territory. Merchants and migrant workers gathered in Taiyuan, and Luliang City, as a normalized work to go abroad, and timely docking the organization of chamber of commerce and fellows in a timely manner to dynamically control the financial needs information of foreign entrepreneurs. The development direction and work dynamics outside not only achieved the purpose of digging the new customer resources, but also extended the financial service chain of the financial, and worked as a lot of money. In the past three years, 2893 households have been put on loans for customers in Linxian. The amount is 320 million yuan, which helps the success of a better life.

On July 19, Linxian Agricultural Credit Business Bank was officially approved by the CBRC. Standing at the intersection of "the first year of Rural Commercial Bank", Linxian's agricultural Xinxin will continue to take root in the rural fertile soil, adhere to inclusiveness, step forward, and build dreams to make a forge to build a dream. Economic development contributes financial power.

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