Huishang Bank: "Unified repayment of loans" to help accurately alleviate poverty

Since the beginning of this year, Huishang Bank has conscientiously implemented the strategic deployment of the central and Anhui Provincial Party Committees and Provincial Governments to vigorously promote financial poverty alleviation, regarded financial poverty alleviation as the "top priority" to grasp, formulated the "Huishang Bank Implements Accurate Poverty Alleviation and Boosts Poverty Alleviation Work Plan", improves the coordination and cooperation of the general branches, and accurately implements policies. Poor households that cannot determine the maintenance obligation will issue a small loan of 10 million yuan for precision poverty alleviation and carry out precision assistance.

Li Wei, deputy general manager of the micro-loan division of Huishang Bank, said that the precision poverty alleviation micro-loan in Shitai County in May was the first time that the bank adopted the "sub-loan unified repayment" model, that is, the poor households that have set up a file and set up a card apply for a loan, and the new agricultural business entities use it uniformly, manage it in a unified way, repay the loan principal uniformly, share the income, and the government discount. In order to prevent risks and improve the efficiency of each link, the head office broke the convention and specially issued the "Measures for the Management of Precision Poverty Alleviation And Small Loans of Huishang Bank (Trial)" in a relatively short period of time, which was streamlined in materials, optimized in processes, and adopted the lowest interest rate, which accumulated experience for the further promotion and implementation of the "sub-loan and unified repayment" model in the bank.

Shitai County is a state-level poverty county, located in the hinterland of the southern Anhui Mountains, the county party committee and county government take poverty alleviation as the primary people's livelihood project, focus on the implementation of the "village to household to people to industry" poverty alleviation and development model, and provide benchmark interest rate discount subsidies for loans to poor households that have established archives and cards. Lu Yao, vice president of the Shitai Branch of Huishang Bank, told reporters that the Shitai Branch actively responded to the call of the Shitai County Party Committee and County Government, combined with the help requirements of "seeing the real poverty, helping the real poor, and really helping the poor", under the leadership and cooperation of the branch of the head office, and working together with the relevant corresponding departments of Shitai County to complete the enterprise selection, batch customer centralized investigation, loan approval, guarantee implementation and actual lending in a relatively short period of time.

It is reported that Huishang Bank is working on the precise assistance of the second batch of small loans in Shitai County's "sub-loan and unified repayment" model, docking with enterprises, carrying out work according to the deployment of the Shitai County Poverty Alleviation Office, and will also promote this model in Suzhou and other places.