Agricultural Bank of China Zhongshan Branch Party building leads the service of urban and rural areas

The Wealth Management Center of Zhongshan Agricultural Bank was inaugurated to bring customers more professional, high-quality and multi-level wealth management services. Courtesy of Zhongshan Agricultural Bank

2021 marks the 100th anniversary of the founding of the Communist Party of China and the beginning of the 14th Five-Year Plan. Following the "Fight for 2020", Zhongshan once again issued a call to "attack 2021". As a large state-owned commercial bank, in recent years, under the careful guidance of regulators and superior banks, Zhongshan Agricultural Bank has adhered to the general tone of financial work of seeking progress in stability, and contributed to the revitalization of Huwei in Zhongshan, accelerating the rise of high quality, and building a "hub in the Bay Area and a high-quality Zhongshan".

●Liao Bingying, Yang Juanjuan, Chen Yuping

▶ ▷ Party building leads

Suffyang's financial name piece

Zhongshan Agricultural Bank has always kept its mission in mind, resolutely implemented the work instructions and requirements of the party committee and government, combined with key tasks such as "six stability" and "six guarantees", deeply integrated business operation and party building, continuously improved its ability to serve the real economy, and maintained regional financial order and stability. In 2021, Zhongshan Agricultural Bank will focus on "learning from party history, understanding ideology, doing practical things and opening up a new situation", focusing on the key points, difficulties and pain points of serving the real economy and party building work, taking the lead in tackling tough problems with the "secretary and member project", and setting up a total of 136 projects around the work content and goals.

Zhongshan Agricultural Bank plays the role of 112 party organizations as a fighting fortress, carries out the project of "warming the environment, heating up the service, and heating up the brand", vigorously optimizes the network environment, strengthens the aging transformation, optimizes the service process, and continuously improves the depth and breadth of financial services. The bank extensively mobilized the vanguard of party members and the youth commando team to go deep into the front line, walk the streets and alleys, enter enterprises and factories, and deliver financial services to thousands of households. Among them, the branch service real economy professional team won the title of "Four Most" Youth Collective in the New Era of Shiqi Street.

The Agricultural Bank of China was born of agriculture, grew up because of agriculture, and became strong because of agriculture. Zhongshan Agricultural Bank assumes the responsibility of serving the main force of the "three rural areas" and serves the rural revitalization strategy with all its strength. At present, The Agricultural Bank of Zhongshan has issued the "Implementation Plan for Rural Revitalization Financial Services", focusing on the aspects of high-quality and efficient agriculture, livable and workable rural areas, rich and prosperous farmers and digital rural construction. In solving the financial problems of the transformation of town and village industrial parks, Zhongshan Agricultural Bank pioneered the "industrial reform loan" in the industry, helping Zhongshan Xiaolan, Henglan and other town-level industrial park transformation projects to be successfully landed, with an approval amount of more than 1.5 billion yuan and a total of nearly 1 billion yuan in loans.

In the construction of digital villages, Zhongshan Agricultural Bank successfully launched the "Digital Village" service platform to use "Internet +" to solve the problems of village affairs disclosure, grassroots party building, rural governance, and industrial development in grassroots village governance; developed the city's first smart rural service platform for Qiaotou Village in Sanxiang Township, built a bridge linking government affairs and finance for villagers, integrated local rural tourism resources, helped build high-quality beautiful rural complexes, and promoted rural economic development. Zhongshan Agricultural Bank serves farmers to increase their income and become rich, to meet the needs of farmers' operation, entrepreneurship and consumption, and as of now, a total of 4.28 billion yuan of e-loans have been invested in Huinong.

▶ ▷ Financial power

Promote high-quality economic development

Zhongshan Agricultural Bank actively docked the construction of major projects in the Guangdong-Hong Kong-Macao Greater Bay Area and participated in the construction tide of Zhongshan's revitalization of Huwei. In the past two years, the bank has approved more than 20 provincial and municipal key projects in the fields of transportation and infrastructure, with an approval amount of more than 14 billion yuan. Zhongshan Agricultural Bank fully supports the development of listed companies and leading enterprises in the industry, provides a full range of financial services in the process of enterprise growth, transformation and upgrading, and won the honor of "2020 Zhongshan Outstanding Contribution to Benefits".

In recent years, Zhongshan Agricultural Bank has successively launched new specialty products such as "project revolving loan", "chain shortcut loan", "online discount", "patent e loan", "technology loan" and "key financing" to meet 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. In the past two years, the bank's manufacturing loans accounted for more than 50% of corporate loans, and showed a steady upward trend. As of the end of April 2021, the bank's manufacturing loans increased by 18% year-on-year, providing financial support for more than 2,000 manufacturing enterprises.

Zhongshan Agricultural Bank continued to increase the intensity of scientific and technological financial services to the society and people's livelihood, taking customer needs as the starting point, introducing intelligent equipment from outlets, improving the efficiency of outlet business handling, and creating 4 "five-star outlets" and 2 "four-star outlets" of the China Banking Association. The bank vigorously promotes the construction of smart scenes, provides "smart party fee" services for grass-roots party organizations, provides "smart campus", "smart property" and "smart silver doctor" services for schools, communities and hospitals in the city, and cooperates with Triangle Town to create the province's first "you say I do" smart government affairs platform to solve problems such as floating populations applying for residence permits, and continues to load a number of people's livelihood government service projects.

The bank launched a social security card self-service card issuance service, shortening the card replacement cycle from 2-3 months to 5 minutes, with the largest number of instant card issuing machines and the widest coverage among financial institutions in the city; taking the lead in launching social security card "1 yuan by bus", half price for shopping, half price for food, random reduction and other consumption activities, and building a non-sense payment system in 140 parking lots with large traffic in the city to facilitate citizens' "food, clothing, housing and travel".

At present, Zhongshan Agricultural Bank has 67 normal external business outlets, 12 first-level branches under its jurisdiction, and 1236 employees in the bank, which is one of the largest commercial banks serving the most customers. In the new journey and new starting point, Zhongshan Agricultural Bank will, as always, undertake the financial mission, with a strong sense of responsibility and mission, condense the strong financial momentum of serving the real economy, help enterprises develop and grow, boost the local economy to achieve high-quality development, and greet the 100th anniversary of the founding of the Party with excellent results.

▶ ▷ Bailout warm enterprises

"Loan" for enterprises to "timely rain"

Zhongshan Agricultural Bank took the lead in establishing an inclusive financial division in 22 second-level branches in the province, and at present, the special institutions of small and micro enterprises 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, taking the "100 Marches and 100 Enterprises" activity as an opportunity, the bank has continuously increased its support for inclusive finance, and has issued loans of 29.8 billion yuan to nearly 3,700 enterprises. Since the outbreak of the epidemic, Zhongshan Agricultural Bank and enterprises have overcome difficulties together, and have carried out 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. As of the end of March 2021, the weighted average loan interest rate for small and micro enterprises was 4.156%, down 0.123 percentage points from the beginning of the year, further reducing the financing costs of enterprises.

The Agricultural Bank of Zhongshan also resolutely implements the work plan of stabilizing foreign trade and stabilizing foreign investment, combined with Zhongshan's "60 Financial Articles", and takes multiple measures to play a "combined fist" of financial support for foreign trade. The bank cooperated with the People's Bank of China, safe exchange bureaus, overseas branches and other internal and external institutions to carry out policy publicity, explain and promote the latest cross-border financial policies and cross-border financial products for enterprises, and help enterprises stabilize confidence and operation.

Using the perfect local and foreign currency settlement system to provide fast settlement services for foreign trade enterprises, Zhongshan Agricultural Bank has handled international settlement business for enterprises under its jurisdiction for more than 14 billion US dollars in the past two years. The bank opened the first free trade account (FTN account) of Zhongshan enterprises to meet the needs of enterprises in the settlement and sale of foreign exchange under trade in goods, trade in services, profit dividends, equity transfers, etc.; launched the "Jiayi Loan" financing business, and issued more than 10 billion yuan of "Jiayi Loan" preferential interest rate loans, injecting "acceleration" into the Agricultural Bank of China for the "going out" and "bringing in" of enterprises in the Bay Area.