Editor's note
In 1952, Liling began to establish a rural credit cooperative, and in 2014, Liling Rural Credit was successfully restructured into Liling Rural Commercial Bank. Over the past 72 years, the company has been deeply rooted in the fertile soil of Porcelain City, adhered to the market positioning of "serving the three rural areas, serving small and micro enterprises, and serving the locality", and achieved and grown together with Liling. Business outlets and agricultural financial service points are all over the urban and rural areas, and the scale of deposits and loans has always ranked first among the city's financial institutions. More than 500 cadres and employees of the bank have continuously deepened the brand image of "Liling people's own bank", and continued to build the three major brands of rural revitalization bank, small and micro inclusive bank, and people's life bank, so as to continuously contribute to the high-quality development of Liling's local economy.
Liling Rural Commercial Bank (3): "Zero Distance" to Serve People's Livelihood
Door-to-door service, card binding to send welfare, difficulties to get funding...... Liling Rural Commercial Bank strives to build a living bank for the people, open up the "last mile" of financial services, and add warmth and fireworks to the people's financial life.
Entering the mountain and Shimoda financial services do not sit at the counter
Master Zhou, a large rice grower in Longhuwan Village, contracted 800 acres of farmland in the town. But after the farmland lease and agricultural machinery were in place, he struggled to find money to buy seeds, pesticides and fertilizers. After learning of the situation, the account manager of the Sunjiawan branch of Liling Rural Commercial Bank immediately launched an on-site investigation, collected information, and handled a loan of 300,000 yuan for Master Zhou on the ridge in the afternoon of the same day.
Recently, the accountant of Liling Zhengchong Gold Mining Co., Ltd. encountered a troublesome incident, 17 of the company's newly recruited employees did not have bank cards, but it was difficult to go to the bank due to working time conflicts, resulting in a large amount of cash needed to pay wages every month. After learning of this situation, the president of the Guanzhuang branch of Liling Rural Commercial Bank took the accountant and teller, put on the financial backpack, and went to the enterprise to carry out outreach activities despite the high mountains and long distances. On the same day, 17 bank cards were opened for this group of new employees, 20 WeChat cards, and 10 mobile banking accounts were effectively activated.
Every market day, many villagers in Meitianqiao Village, Shentan Town, go to the Fuxiang E station in the village to deposit and withdraw cash. Meitianqiao Village borders Pingxiang, Jiangxi, and the polder is very lively. However, the villagers have more than 10 kilometers to the outlets of the Rural Commercial Bank in Shentan Town, and there is no direct shuttle bus, so it is very inconvenient for many left-behind elderly people to go out to withdraw money.
Such "Fuxiang e-stations", Liling Rural Commercial Bank has built 80 in the city's towns and villages population gathering areas. The site can provide villagers with a number of financial services such as account inquiry, withdrawal of agriculture-related subsidies, transfer and remittance. It can also provide villagers with a variety of convenient life services such as electricity bills, pension, and medical insurance payment.
Liling Rural Commercial Bank also gave full play to the advantages of the grassroots network of outlets to promote the reform of "one run at most". Through measures such as network agency, co-establishment of windows, system docking, and personnel stationing, the business outlets and inclusive financial service points are regarded as an extension of various government public livelihood services, and have been connected to non-financial functions such as instant handling of social security cards, non-tax income payment, and tuition fee payment, basically realizing the financial service system in which comprehensive financial services do not leave the town and basic financial services do not leave the village.
Help to take advantage of the festival to add fireworks
Liling has three treasures: ceramics, fireworks, and stir-frying. Stir-fried noodles and small fried pork are the specialties of Liling. Since the opening of the fried noodle street on both sides of the Liling River last year, Liling has held two consecutive fried noodle festivals. This summer, the "National College Students' Summer 'Li' Tour" was held, and tens of thousands of people were staged to eat fried pork together. Liling Rural Commercial Bank actively participated in it and donated its financial resources.
During last year's Chung Yeung Festival, the Liling Rural Commercial Bank distributed 1,000 vouchers worth 10 yuan to the public. Holders can redeem their purchases at merchants with the logo of "Fuxiang e-Payment Special Merchant" on Fried Noodles Street. Moreover, all shops on both sides of the river that have opened "e-payment", from October 23, 2022 to the present, every Saturday, customers can participate in the "8.8 yuan off for every order over 10 yuan" activity with mobile phone payment settlement, and there are 100 fried noodles to pick wool on each activity day.
This year's fried noodles festival, Liling Rural Commercial Bank and sent out "welfare", where WeChat is bound to the bank's debit card, credit card, social security card, etc., in the fried noodles Street Liling Rural Commercial Bank Fuxiang e payment special merchants for consumption, can still enjoy the "full 10 yuan minus 8.8 yuan" welfare, May 1 - May 5, there are 500 fried noodles per day at a preferential price.
Not only the fried noodles festival, every time Liling holds a large-scale festival, Liling Rural Commercial Bank will actively participate in the in-depth development of "send finance, send services, send policies" activities, strengthen the popularization of basic financial knowledge, let the masses "understand finance, prevent fraud, keep promises", and improve the awareness and ability to use financial tools; It adds a strong atmosphere to the life of the market, and also enhances the breadth, depth and temperature of financial services.
1 million care fund to help the poor
"Thank you for your continued concern for special education, not only donating money every year, but also sending warm gift bags, scholarships, school uniforms to children, and adding air conditioning and other facilities and equipment to improve school conditions. Thank you so much! The person in charge of the special school in Liling City thanked the chairman of the trade union of the Liling Rural Commercial Bank who came to "send warmth". May 19 this year marks the 34th National Day for the Disabled. On this day, Liling Rural Commercial Bank sent another 50,000 yuan to Liling Special School as usual to improve the learning and living environment of teachers and students in the school. The donation was made from the Bank's specially set up Community Care Fund.
In October 2021, Liling Rural Commercial Bank established a strategic cooperation with Liling Charity Federation, donated 1 million yuan to set up a special care fund for Hunan Liling Rural Commercial Bank, and agreed to donate 1 million yuan every year for three consecutive years for public welfare and charity projects such as student assistance, medical assistance, elderly assistance, disability assistance, and poverty relief. As of the end of June 2024, the CCF has donated a total of more than 360 yuan, demonstrating the deep feelings and responsibility of "Liling people's own bank" with practical actions.