Explore the innovation model to promote the implementation of the "whole village credit"

Explore the innovation model to promote the implementation of the "whole village credit"

Chen Ping

By exploring the "1+4" model of the entire village credit, Shanxi Yaudu Rural Commercial Bank, integrates the "whole village credit" with the party building, business development, rural revitalization, and purification of ecological work. Meet the diversified and deep financial needs of rural customers, and truly let the "whole village credit" penetrate into ordinary people's homes, and make new contributions to the voices of the people who have taken root in the country. As of the end of June, a total of 163 credit villages were completed, with a rating credit of 49,000 households, a credit amount of 2.2 billion yuan. There are transcripts with both temperature and strength.

This transcript is that all employees of Yaudu Rural Commercial Bank combined with the status status and customer characteristics, in the sealing survey of step -by -step sinking, and the "closeness, more grounded" in the solid work of sweat all the way, the solid work of sweat all the way. See it wonderful.

"Credit Village Credit"+Party building co -creation- "Village to see villages, households, households, and party members, party members and cadres!"

On the long journey of "Credit Credit", Yaudu Rural Commercial Bank always adheres to the road of "party building leadership", focusing on stimulating the vitality of individual party members, with party members and cadres and activists who join the party as the core, "the whole village credit" and party building will be built. Create a combination of co -creation, set up party membership responsibility areas, party members vanguard, etc., organize party members and cadres, and activists to enter the village to go to the village nest. Every time you go to a village, communicate with the town government and the village "two committees" to form a party building interaction with the town party committee. Combined with the village party organizations to carry out credit evaluation and improvement of archives.

The "three precision" is the "guidelines" formed by the client manager of Yaudu Rural Commercial Bank in the process of "the whole village credit". The bank's investigation was accurate before lending, carried forward the "backpack spirit", party members took the lead, all members went to the battlefield, and went to the farmers' homes to conduct precise credit to conduct a survey. , Detailed understanding of the situation of the financial product of the Bank and the needs of financial services; the rating score is accurate, and a survey team with the governor as the team leader has been established to strengthen the authenticity of farmers' use of credit funds. Debt ability, credit situation, and contribution have been scored in a comprehensive one -family one to ensure the seriousness of credit work; the quota calculation is accurate, and a credit formed by the governor, the deputy president of the management, the customer manager, and the village "two committees" are formed. The quota assessment committee adopts the opinions of the investigation post and the reviewer, and finally signed by the assessment committee to calculate the credit quota for each farmer.

The bank signed a whole village credit cooperation agreement with the township governments and the village committees to issue a plaque of "Party Construction and Creation of inclusive Finance" to highlight the "uniqueness" of the three farmers' financial services. High -quality credit households have a license to form a financial service cycle of "Promoting Meeting+Product Population+Credit Propaganda+Live Operations"; 100 %, in order to revitalize the rural economy, support the development of the industry, and inject the continuous "water of finance".

Each farmer solemnly signed the name of the name of the name is like a "happiness bill" on the road of Zhang Zhifu, which further expands the influence of the entire village credit work, so that the role of the party branch's fighting fortress and the pioneering role of party members and cadres have obtained the role of party members and cadres. Give full play to let the good reputation of "People's Bank" pass through the mouth of the people.

Credit+business development of the whole village- "Save you, rest assured!"

"As soon as the spring was opened, I deposited all the money last year to the Tunli Sub -branch, just to catch up with the" good activity 'of Yaudu Rural Commercial Bank! " Sister Li was happy.

The "good activity" in Sister Li's mouth is the "opening of door -to -door" series in the first quarter of 2022, which was launched by Yaudu Rural Commercial Bank. Since the end of last year, the bank has reached the marketing of "Credit Village Credit". In each farmer's house, the villagers can enjoy modern financial services as convenient as "city people" without going out of the village.

For rural customers, the bank passed the "three grasping" feature services to achieve "you don't have time to come to the door, you have the need for me to be on the job", passing the temperature of the agricultural believers to millions of households, which greatly mobilized the creditors to save enthusiastically savings. Putty, further consolidate the foundation of deposit. The bank grasped the counter service, requiring the tellers to flexibly use marketing words and civilized terms, combined with regional characteristics, using "Tuhua" marketing to close the distance between customers and obtain customer trust; grasp one -handed resources, strengthen the "rich people" with "rich people" "Regional leaders" and "information liaison officer" are connected to understand the storage source information at any time, and carry out targeted marketing; grasp traditional festivals, during the Spring Festival and Dragon Boat Festival, to carry out the return of rural customers densely, and the clients are divided into partition films. With telephone, field, WeChat and other methods, contact customer feelings and play marketing.

"Credit Village Credit"+Rural Revitalization- "This is the end of the day!"

Liucun Town is adjacent to the Fenhe River. Due to the policy dividend of the "Baili Fen River Economic Belt", the lives of the villagers have been greatly improved. The small ocean tower of the green trees and red walls is row. The living standards have improved, and the villagers 'minds are also survived. They often hear the villagers' discussions.

In view of the special circumstances of customers in the jurisdiction, the Liucun Sub -branch of Yaudu Rural Commercial Bank combines the "credit" with the "whole village credit" with the solution of the people in the area of ​​the people in the jurisdiction. We have taken a road to sustainable development of financial support for rural rejuvenation. The branch organized the customer manager to enter the village in batches and sink to the villagers' homes. Through repeated consideration, the farmer who lost land in the branch established a farmhouse project that was "catering and accommodation". However, in the actual promotion process, the villagers who have lived farming for many years still have a conservative attitude towards business. The selection of the sub -branch has a certain operating experience and has strong innovation ability. Digesting, after the branch was busy, participated in the whole process, and several farmhouses officially landed and put into operation.

Driven by "typical", the project promoted by the branch has been actively responded by farmers, the courtyard has been transformed into a "student apartment", the "department store" with business minds, and the kitchen techniques. "Convenience Hotel" not only attracted many customers, but also brought good economic benefits to the local people. As of now, the branch has invested 4.72 million yuan in credit funds for 84 farmers in the village, and 109 two -dimensional codes in the marketing "Jinxiang E payment" have been "granted" for the people, and the "loan" has been happy.

"Credit Village Credit"+Purifying Ecology- "Being trustworthy, shamelessness!"

Yaudu Rural Commercial Bank integrates the "whole village credit" and integrity financial construction, put the "integrity" signature tree in the countryside, implement differentiated credit reviews in the promotion of the "whole village credit" project, and push the construction of credit villages and credit households. , Let the user loans priority, interest rate discounts, and listing publicity allows folks to really feel the importance of "integrity", further purify the rural financial ecology and credit environment, and contribute to the creation of integrity and villages.

The bank pushed the "trustworthiness model" in one hand, grasped the "typical typical typical example", strictly implemented "all one family, one person has bad credit, and resolutely not to grant credit." The color page allows the people of the district to understand "speaking of integrity and glorious". At the same time, the special actions of non -performing loans and collection of non -performing loans with the Executive Bureau of the Yaudu District Court, focusing on the "Lai Debt" and "Nail House" who refused to perform the repayment obligations. Forced implementation measures, cracking down on the luck of non -performing loan customers, have effectively promoted the process of chemical insurance.

"The people's yearning for a better life" is not a empty words. This is the most real voice of the people, and it is also the shouting of everyone's deep inside. On this long -seeking Kangzhuang Avenue, Yaudu Rural Commercial Bank will sing and continuously innovate financial products to meet the various financial needs of three farmers to provide various forms of financial needs, and write new answers to the revitalization of the countryside.

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