Zhongshan Agricultural Bank service rural revitalization financial assistant went out on the expedition. Profile picture
■ Editor's Note
Grasp party building, learn from the century-old party history to understand the great power of ideology; shoulder responsibility, help the development of the "two regions" with hard work and innovation; bravely innovate, accelerate the comprehensive transformation of high-quality development; excellent service, and do practical things for the masses to spread the temperature. Nanfang Daily Zhongshan Observation, together with the Zhongshan Financial Work Bureau, the Zhongshan Central Branch of the Chinese Bank, the Zhongshan Supervision Branch of the China Banking and Insurance Regulatory Commission, and the Zhongshan Banking Association launched the column "Inheriting the Red Gene and Courageously Undertaking the Financial Mission" to deeply sort out the vivid practice of Zhongshan Finance in serving manufacturing, people's livelihood and serving the city with party building as the guide.
On September 6, the Guangdong Branch of the Agricultural Bank of China and the Zhongshan Municipal People's Government signed a strategic cooperation agreement on financial services for rural revitalization, jointly promoting the implementation of the rural revitalization strategy. According to the agreement, the Guangdong Branch of the Agricultural Bank of China will take Zhongshan City as a key support area in the province, and give Zhongshan an intended credit line of 50 billion yuan in the next five years, fully supporting key areas such as industrial upgrading and transformation of villages and towns in Zhongshan, development of modern agricultural industry, construction of ecologically livable villages, inclusive finance of townships and towns, and digital villages, and inject financial vitality into the rural revitalization of Zhongshan City.
An agreement, a hand in hand, a heavy responsibility. As the national team and main force serving the "three rural areas", the Zhongshan Branch of the Agricultural Bank of China Co., Ltd. (hereinafter referred to as "Zhongshan Agricultural Bank") will set off again and again under the support of the municipal party committee and the municipal government and the leadership of the superior bank, and spare no effort to help build a "Zhongshan model" for rural revitalization.
For more than 60 years of deep cultivation in Zhongshan, Zhongshan Agricultural Bank has always adhered to the overall situation of economic and social development in an all-round way. 2021 marks the 100th anniversary of the founding of the Communist Party of China and the beginning of the 14th Five-Year Plan. In response to the call of the Zhongshan Municipal Party Committee to "tackle tough problems in 2021", the Agricultural Bank of Zhongshan has taken party building as a new engine for development, strengthened its mission, accelerated the pace of supporting local construction, and demonstrated the responsibility and responsibility of state-owned large banks.
●Author: Wu Jie, Yang Juanjuan, Chen Yuping
Party building leads the ▶▶ polishing of finance as a business card
The history of the Party is the most vivid and convincing textbook.
Carefully formulate a party history study and education plan, and form a learning linkage mechanism with the party committee team as the center, radiation driving the party and the masses to work together, and online and offline resonance at the same frequency. The "book middle school" of reading original works and learning documents, the solitaire contest of party history knowledge promoted by racing to promote learning, and the field visits to the historical sites of the Red Revolution... The study of history is tangible and the heart is silent, and the Zhongshan Agricultural Bank has created a solid position for the study and education of party history, creating a strong learning atmosphere of "party lessons everywhere and education at all times".
To study history and practice is to use party building to leverage the momentum of financial development. The Agricultural Bank of Zhongshan has always kept its mission firmly in mind, combined with the "six guarantees" and "six stability" and other key tasks, deeply integrated business operations with party building, promoted the study and education of party history with six major measures, and strived to achieve results in "studying party history, understanding ideology, doing practical things, and opening up a new situation": Taking the lead in tackling tough problems with the "secretary and member project", setting up specific projects for work content and goals, focusing on and solving the key points, difficulties, and pain points of serving the real economy and party building work; practicing the practical activity of "I do practical things for the masses", and giving play to the role of 112 party organizations as fighting fortresses Carry out the project of "warming the environment, heating up the service, and heating up the brand", vigorously optimize the network environment, strengthen the aging transformation, optimize the service process, and continuously improve the depth and breadth of financial services; widely mobilize the vanguard of party members and young commandos to go deep into the front line, walk the streets and alleys, enter the enterprises and factories, and send financial services to thousands of households. Up to now, the bank has carried out 229 door-to-door services and 77 volunteer publicity activities, covering more than 6,000 people.
Measuring the effectiveness of learning and doing practical things for the masses is the foothold. On June 7 this year, Zhongshan City launched a large-scale nucleic acid testing work for all employees, and the youth of the Zhongshan Agricultural Bank Party Group carried forward the spirit of "I am a party member, I go first" and "I am a member of the league and I am out of the list", formed 5 volunteer teams to participate in nucleic acid testing and sampling work, and helped run out of the "Zhongshan Speed" of "5.79 million people tested and sampled in 4 days". On July 23, Zhongshan City once again carried out large-scale nucleic acid testing and sampling work for the citizens of the city, and the Zhongshan Agricultural Bank once again organized a volunteer service team for the first time to guard the well-being of the citizens together with medical workers and community workers, which was deeply affirmed.
Inheriting the red gene, Zhongshan Agricultural Bank has truly transformed the red spirit into the highest respect for the military, and the "agricultural" sentiment has written a new chapter in the "double support" work. The bank has launched more than 16 kinds of special financial services for military personnel, exempted from 7 types of fees such as the cost of the bank card and the annual fee of the card, provided entrepreneurial loan support for the military, named support for the first entrepreneurship competition for retired soldiers in Zhongshan City, held activities such as "Paying Tribute to the Loveliest People" and "Caring for Retired Soldiers", etc., and effectively carried forward the fine tradition of supporting the army and loving the army with practical actions. Recently, at the zhongshan city national "double support" model city creation work conference, Zhongshan Agricultural Bank won the honorary title of "outstanding unit of double support work contribution" in one fell swoop, and is the only financial institution in Zhongshan City to obtain this title.
Dahang is responsible for ▶▶ helping rural revitalization
Revitalizing inefficient land resources and increasing the development of existing land is an important starting point for Zhongshan to break the bottleneck of development and revitalize Huwei.
From large-scale transportation construction to the landing of large-scale projects, Zhongshan, which has tackled tough problems, requires a lot of social capital investment. In solving the financial problems of the transformation of the town and village industrial park, Zhongshan Agricultural Bank pioneered the "industrial reform loan" in the industry, innovated the pledge of the rent receivable from the rental of the village collective property, successfully solved the dilemma that the collective land could not be mortgaged, and accumulated more than 1.5 billion yuan of loans for the upgrading and transformation of the township industrial park.
With the support of the deep participation of Zhongshan Agricultural Bank, a series of modern theme industrial parks have risen on the hot soil of rural revitalization, and the transformation projects of village-level industrial parks in Xiaolan and Henglan have been successfully landed, setting a benchmark for the transformation of industrial parks in the city. "Without the support of financial institutions, it is difficult to rely on local financial resources alone to advance so quickly." The Agricultural Bank of China took the initiative to dock our needs and laid a good foundation for the promotion of the project. The person in charge of the one-village reform project spoke highly of the participation of the Zhongshan Agricultural Bank.
The construction of digital villages is conducive to promoting the improvement of total factor productivity of agriculture, promoting the modernization and transformation of rural areas, and is an effective way to achieve rural revitalization and high-quality economic development. In the second half of 2021, Zhongshan Agricultural Bank successfully launched the "Digital Village" service platform to solve the problems of village affairs disclosure, grassroots party building, rural governance, and industrial development in grassroots village governance with "Internet +"; developed the city's first smart rural service platform for Qiaotou Village in Sanxiang Township, built a bridge linking villagers to government affairs and finance, integrated local rural tourism resources, helped build high-quality beautiful rural complexes, and promoted rural economic development. At the same time, Zhongshan Agricultural Bank will use financial technology to promote farmers' income and become rich, accurately profile the financial needs of farmers, establish electronic credit files, and approve pre-credit lines. Farmers only need to use the ABC's handheld bank to achieve rapid lending and enjoy preferential interest rates. Since the launch of this work, nearly 1,000 rural households have enjoyed the convenience and benefits brought by financial technology.
In addition to resource support, Zhongshan Agricultural Bank also provides talent support for rural revitalization. The bank actively responded to the activity of the provincial government and the superior bank "Thousand People To Help Rural Revitalization", and sent 15 financial assistants to Participate in rural revitalization in Chaozhou and Yangjiang, chaoyang counterpart areas in Zhongshan, providing "financing + financing wisdom" services, and contributing the wisdom of the Agricultural Bank to rural construction.
Financial power ▶▶ contributes to high-quality economic development
The economy is the lifeblood of regional development, and innovation and finance are the wings of economic development. As a regional mainstream bank, Zhongshan Agricultural Bank actively serves entity enterprises and promotes the transformation and development of regional industries.
Under the policies of the Zhongshan Municipal Party Committee and the Zhongshan Municipal Government to adjust the structure, promote transformation and stabilize growth, the Agricultural Bank of Zhongshan has incorporated manufacturing loans into the focus of the bank's credit investment, stepped forward into the enterprises, actively matched the needs of enterprises, and met the all-round financial needs of manufacturing enterprises during the construction and operation periods. At the same time, Zhongshan Agricultural Bank has developed supply chain finance, focusing on the credit needs of core enterprises such as advanced manufacturing and strategic emerging industries and upstream and downstream suppliers, innovating the supply chain financing product system, and launching products such as factoring e-finance and bill e-financing to effectively revitalize the industrial chain ecology.
With the strategic goals of "carbon peaking, carbon neutrality" and the introduction of policies such as the Action Plan for Cultivating New Energy Strategic Emerging Industrial Clusters in Guangdong Province, the Agricultural Bank of Zhongshan closely followed the deployment of green finance, guided financial resources to invest in green industries, and provided more credit support for the green transformation of the manufacturing industry, and the bank's green credit increased by 116.15% year-on-year in 2020.
In recent years, Zhongshan Agricultural Bank has actively responded to the call to "revitalize Huwei", docked with the construction of key projects in the Guangdong-Hong Kong-Macao Greater Bay Area, and approved more than 20 provincial and municipal key projects in the fields of transportation and infrastructure, with an approval amount of more than 10 billion yuan; fully supported the development of listed companies and leading enterprises in the industry, and provided a full range of financial services in the process of enterprise growth, transformation and upgrading.
Recently, the Zhongshan Municipal Financial Bureau, the Zhongshan Central Branch of the People's Bank of China, and the Zhongshan Banking and Insurance Regulatory Bureau commended the financial institutions that have outstanding performance in supporting the development of the real economy in 2020, and the Zhongshan Agricultural Bank has been affirmed by the government and external regulators. This is another honor after the bank was awarded the honor of "2020 Zhongshan Outstanding Contribution Enterprise in Benefits" by the Zhongshan Municipal Party Committee and the Municipal Government.
In addition, Zhongshan Agricultural Bank also took the lead in setting up an inclusive financial division in the provincial agricultural bank system, at present, the small and micro enterprise franchise institutions have fully covered 12 first-level branches under its jurisdiction, and the professional level of serving small and micro enterprises is in the leading position in the same industry. Since 2020, The Agricultural Bank of Zhongshan has taken the "100 Marches and 100 Enterprises" activity as an opportunity to continuously increase its support for inclusive finance, and has issued loans of nearly 30 billion yuan to nearly 3,700 enterprises. Since the outbreak of the new crown pneumonia epidemic, it has overcome difficulties with enterprises, providing deferred repayment, extension or non-repayment renewal loan relief for more than 2,700 customers affected by the epidemic, involving a loan amount of 2.8 billion yuan.
"Whether a company can develop smoothly, a very important factor is whether there is enough financial support in the initial stage. We are to help potential enterprises become bigger and stronger. The relevant person in charge of the bank's Inclusive Department said.
It is reported that Zhongshan Agricultural Bank has launched a special loan product for the "first household e-loan" small and micro enterprises that have not obtained loans in the bank, accurately serving the small and micro enterprises of the "first household" and using pure credit and credit, which can realize the loan support for small and micro enterprises within two years of industrial and commercial registration. Eligible small and micro enterprise customers, after the industrial and commercial registration and the opening of an account with the Agricultural Bank of China, have the opportunity to apply for loans through online channels such as the online banking of the agricultural bank enterprise and the bank of the main bank of the enterprise, with a credit line of up to 300,000 yuan. The number of beneficiary companies is increasing.