"This microcredit is very convenient, and the processing speed is also very fast, and the loan is disbursed on the same day." When it comes to the benefits of microfinance for people who have been lifted out of poverty, Meng Xiangjun, a villager in Xiaoyu Village, Jietoumiao Town, Huanglong County, is very grateful.
In order to further consolidate and expand the effective connection between the achievements of poverty alleviation and rural revitalization, give full play to the positive role of financial assistance in consolidating the connection, and continue to improve the efficiency of financial assistance services for rural revitalization, since the beginning of this year, Jietoumiao Town, Huanglong County, has steadily promoted the work of microcredit for poverty alleviation population, and helped poverty alleviation households and monitoring households develop industries through the method of "blood transfusion + hematopoiesis + blood activation", activate the endogenous development momentum of rural areas, and help rural revitalization.
Intensify publicity, microcredit "accurate loans"
Combined with the monitoring of poverty prevention and the stable employment of the population lifted out of poverty, the village cadres were organized to carry out visits and policy publicity village by village, to understand the production and living conditions of families, to conduct a comprehensive survey of whether there is a demand for loans in the development of industries and production and operation, to grasp the new credit demand in a timely manner, to ensure that the coverage rate of the microcredit policy for the poverty alleviation population reaches 100%, and to actively carry out the declaration work for the poverty alleviation households in need, so as to solve the problems encountered by the poverty alleviation population in industrial development and production and operation. Provide financial guarantee for the sustainable development of the industry.
"Cadres often visit my home to publicize various policies. Through understanding, I applied for this microfinance loan for poverty alleviation and used it to grow and develop cherry tomatoes. Gu Changlu, a villager in Hongluoquan Village, Jietoumiao Town, said that his income in the past two years was okay, and his annual income from planting cherry tomatoes was nearly 30,000 yuan.
Optimize services, microfinance "loans"
For poverty alleviation households and households subject to monitoring in need of loans, they are actively encouraged to collect relevant materials and submit applications to Jietoumiao Town in a timely manner, and the town level will connect with the bank, review and check the submitted materials one by one, simplify the handling procedures, and let the masses run away less. Ensure that microcredit policies are implemented in a timely, accurate and effective manner, effectively improve the efficiency and quality of lending, carry out daily inspections on the use of loan funds for poverty alleviation households, ensure that the use of loans is standardized, so that loans can be used in a practical way, and the industry can play an effective role.
Preventing Risks, Microfinance "Pays Off"
Strengthen the supervision of microfinance for people lifted out of poverty after loans, promptly prevent the risk of overdue loans, and improve the efficiency of the use of funds. Pay close attention to the loan maturity households to do a good job of loan recovery or renewal, and arrange special personnel to sort out the loan usage and the list of loan maturity households to prevent overdue loans. Ensure a virtuous circle in which borrowers dare to borrow and are willing to repay, and effectively drive the masses to increase their income and become rich. (Ma Qian)
Editor in charge: Zhang Jinxia
Editor: Wang Lele