The Central Financial Work Conference pointed out that it is necessary to do a good job in science and technology finance, green finance, inclusive finance, pension finance, and digital finance. Among them, vigorously developing inclusive finance is an inherent requirement for building a moderately prosperous society in an all-round way, and it is also an inevitable choice to promote mass entrepreneurship and innovation, and promote the implementation of the rural revitalization strategy.
Since the beginning of this year, Jinzhong Rural Credit System has been based in Jinzhong and deeply cultivated in the county, always adhered to the service positioning of supporting agriculture and small businesses, gave full play to its popularity and geographical advantages, actively played the role of "host bank for rural revitalization", deeply cultivated inclusive finance with practical actions, and made every effort to promote the efficient empowerment of rural revitalization by financial living water, irrigate the development of the real economy, provide deeper and more diversified financial services for county customers, and effectively promote the high-quality development of the local economy.
Playing the "Five Cards" of Finance
Promote the high-quality development of the county economy
Based on the county-level economy, Heshun Rural Commercial Bank has always adhered to the market positioning of "supporting agriculture, supporting small and micro enterprises", continuously optimizing financial services, increasing credit supply in key areas, continuously improving the quality and efficiency of serving the "three rural" and characteristic economies, and injecting a steady stream of financial "living water" into the county's economic development. Up to now, the balance of the bank's agriculture-related loans is 2.057 billion yuan, and the balance of enterprise loans is 1.213 billion yuan.
Play a good "characteristic card" to help the county's industrial upgrading
The bank has established the development concept of "big agriculture", increased credit support for characteristic agriculture, brand agriculture and base agriculture, and boosted the adjustment of industrial structure. The customer manager of the sub-branch visited one by one, provided a package of financial products and services according to the needs of different customers, and focused on supporting agricultural industrial bases, new agricultural business entities, sightseeing and tourism agriculture and "specialized, special and new" enterprises, so as to help the upgrading and upgrading of county-level characteristic industries.
Play the "innovation card" and constantly enrich the product system
Combined with the actual development of the county, based on the needs of the majority of farmers, merchants, and small and medium-sized enterprises, the introduction of credit management measures for the benefit of the people and enterprises, and the introduction of special credit products such as "Huinong Pass", "Rich and Poor Loan", "Credit and Commerce Pass", "Credit Easy Loan", etc., give full play to its advantages of high quota, low interest rate, active use of money or pure credit, and vigorously support the development of planting and breeding households, merchants and small and medium-sized enterprises in the county.
Play the "service card" and take the initiative to serve the real economy
Set up a marketing team of financial service liaison officers in the village, take the initiative to change from "waiting for customers" to "go out to get customers", carry forward the "backpack spirit" of the older generation of rural credit people, go deep into the streets and alleys, and fields to understand the financial needs of the masses, truly deliver characteristic credit products to the masses, provide a steady stream of financial support for the entrepreneurial and productive masses, and effectively solve the problems of the masses who are difficult to borrow and will not lend.
Play the "efficiency card" and optimize the allocation of credit resources
With the "two households" and "three realities" marketing activities as the starting point, we will actively carry out bank-enterprise docking activities, understand the financial needs of enterprises in the jurisdiction in detail, and provide financial support scientifically and reasonably. For key projects, the leaders of the head office have established a working mechanism for the package and tailored comprehensive financial service solutions to effectively solve the problems faced by enterprises. Each sub-branch has set up a financial service team to provide door-to-door services for the masses, reduce the time cost of handling financial business for the masses, optimize the credit approval process, and facilitate the masses to the greatest extent.
Play the "environmental card" well and purify the rural financial ecology
Combine the promotion of online activities with the promotion of offline activities, focusing on groups such as the elderly, teenagers, and farmers, and carry out differentiated financial publicity based on their financial literacy level, financial needs, and behavioral characteristics, focusing on financial fraud traps such as telecommunications network fraud, illegal fundraising, and bank card fraud, etc., focusing on popularizing basic financial knowledge closely related to daily life, such as card breaking actions, RMB, and credit reporting, and guiding the public to consciously stay away from illegal fundraising financial activities and avoid blind investment and impulsive transactions.
Source: Jinzhong Rural Credit