Press the inclusive finance "fast -forward key" to run out of common wealth "acceleration"

Press the inclusive finance "fast -forward key" to run out of common wealth "acceleration"

Wang Xiqiang

Common wealth is the essential requirements of socialism, an important feature of Chinese -style modernization, and the common expectations of the people. As the main force serving the local economy, under the strong leadership of the provincial and municipal party committees, Shandong Shouguang Rural Commercial Bank has never forgotten the original intention and mission of "surname party, surname farmers, surnames, and surnames". , Constantly optimize the service model, innovate financial products, deeply cultivate Puhui Finance, and provide strong agricultural and financial momentum for promoting local wealth and balanced sharing.

Establish a party building alliance to create a "red engine"

In the midsummer in July, the heat wave rolled. The greenhouse construction site in Xiaolu, Lu Si Village, Jiutai Town, Shouguang City, is still hot, and the seventh -generation high -standard insulation greenhouses are up. "I wanted to build a high -standard greenhouse before, because there were no funds, and I had not realized it. Manager Zhang of the Rural Commercial Bank recommended me a" good youth loan "for me. The pressure is reduced, and the development of confidence is even more full. "Xiao Lu is a college student who returns to his hometown. After graduating, he founded a family farm to drive the surrounding villagers to become rich. After learning about his funding problems, the bank's financial service commissioner in the village took the initiative to serve. On the same day, the 300,000 yuan loan was issued to his account to meet his capital needs.

"Good Youth Loan in the Country" is the bank's joint Youth League Shouguang Municipal Party Committee. It adopts the exclusive credit product that supports the outstanding rural youth entrepreneurship launched by the "Party" joint construction and co -construction form. A microcosm of common prosperity.

In recent years, the bank has taken party building leadership as a "red engine" that is common and prosperous. By carrying out party building and co -construction, the establishment of a party building alliance, finding the focus of the bank to serve the local economy and the small agricultural support. The new financial service of "lead", party members "leading", financial "setting up", and serving "singing", and effectively transforming the party's political advantages and organizational advantages into the development advantage of promoting common prosperity.

Construct the red matrix. The bank uses the "Red Bond · Ronghui Cai cuisine Township" as the general brand of party building and co -construction, and has carried out party building and co -construction with more than 300 party organizations such as government departments, social organizations, state -owned enterprises, and village communities. ; Together with the Federation of Industry and Commerce, the Big Data Bureau and other departments, we will jointly build 7 party building alliances such as "helping enterprise alliances" and "digital alliance". ; Join the government's functional departments to build a "Politics and Union" characteristic party to build and co -construction projects, and move thousands of "Politics, Unicom Unicom" business of 36 functional departments including industrial and commercial, taxation, social security, and medical insurance to the outlets to achieve government service sinking sinking down Let the people enjoy the high -quality "political banking" services without differences.

Create a red team. Through the development of party building and co -construction, more than 240 customer managers of the bank were hired as "Gold Service Specialist" by the party committees and governments of the township and townships. The red team of "two members and one housekeeper". At the same time, with the party members and customer managers as the core, 120 financial teams have been formed to enter the village community mass service center to set up a "mobile banking", deeply integrate into the "red comprehensive governance grid" in the jurisdiction, Essence They inherited the "shoulder bag spirit", walked the streets, pace their feet, carried out the "whole village credit", two visits and one -time visits, community village governance, etc., and opened up the "last meter" to serve the masses.

Empower the revitalization of the countryside and stimulate the "vitality of the countryside"

To achieve common prosperity, rural rejuvenation is the only way. As a well -known "Chinese Vegetable Hometown", there are 1,532 vegetable cooperatives in Shouguang City. There are 66,000 farmers who are directly engaged in vegetable planting. Supporting the steady development of vegetable cooperatives can better guarantee the development of the vegetable industry and promote common prosperity.

"Now the payment of vegetable models is becoming more and more convenient. We only need to ride on a tricycle to say. It won't be long before the dishes can be directly entered into our bank card." Said happily.

In order to better serve the development of the vegetable industry, the bank relies on UnionPay to launch the "production and marketing service platform", take the vegetable cooperative as the link, connect farmers and buyers to form a full industry chain service model, and closely integrate "vegetable garden" and "vegetable baskets" in close combination Together, the construction of the three parties of the Shouguang Agricultural and Rural Bureau and the China UnionPay Shandong Branch increased the payment settlement function to the "agricultural investment product" system, and added various preferential activities such as "cloud flash payment" to the system to buy it for farmers. Agricultural products such as pesticides saves expenses and allowed "green payment" to help "green agricultural capital". At the same time, the introduction of pure online products "Caixiang E loan", combined with "inductive credit" to provide vegetable cooperatives and farmers with convenient and efficient households In discount financial services, as of now, a total of 1202 households have been expanded, 61,900 are bound to farmers, the number of transactions is 259,300, and the transaction amount is 5.274 billion yuan. The farmers' credit was awarded 8,250 households and the amount was 1.99 billion yuan.

Helping the transformation and upgrading of the vegetable industry is a key service area for the bank to promote inclusive finance, and it is also a key part of promoting common prosperity. The bank focuses on all aspects of the vegetable industry and launched various credit products on demand to provide all -round financing solutions for the agricultural economic entities to achieve the entire industry chain of "from seeds to dining tables". E loan "" Knowledge E loan "transforms the invisible assets of enterprises into tangible credit funds and comprehensively supports the innovative research and development of the enterprise seed industry. As of now, a total of 31 households and 294 million yuan are issued; Credit products such as loans support the development of vegetable parks and intensive development. As of now, a total of 145 loans of parks have been issued, 235 million yuan; innovative launch of "prefabricated vegetable loans" to help create a "golden signboard" of vegetable prefabricated dishes. So far , Support 116 key enterprises in the prefabricated vegetable industry chain, issuing loans of 1.63 billion yuan. Serve new citizens and draw a "happy background" together

Neither one on the road of wealthy. Do a good job of supporting financial services to help "new citizens" better integrate into the city is a new topic. The bank has implemented the work deployment of the CBRC's "strengthening financial services on new citizens", and improves the acquisition and convenience of financial services from new citizens from the fields of housing, entrepreneurship, employment, and consumption.

"Thank you Rural Commercial Bank for your help, so that I quickly fulfilled the" living dream "in Shouguang." After finishing the mortgage business, the little Zhao couple who came to start a business was very happy. For five years in Shouguang, they could immediately "live in the dream" and really tied their roots in the city.

"Living and living" is the basic requirement of "new citizens" based on new cities. In response to the demand for "new citizens" house purchase funds, the bank provides a variety of housing security guarantees such as priority arrangements, establishing green approval channels, and providing multiple repayment methods to better meet the demand for the funds of new citizens to buy houses. As of now, a total of 582 mortgage loans and 382 million yuan of "new citizens" mortgage loans have been issued.

In order to better develop their careers, more and more "new citizens" who have taken root in cities have joined the entrepreneurial army. For the "new citizen" entrepreneurial group, the bank launched the "entrepreneurial discount loan" and "Weisian help enterprise loan" as the main body. Financial support "affordable package", organize customer managers to carry out network -type visits and docking throughout the city. According to their business forms, income characteristics, capital needs, etc., it provides compatible financial support. As of now, the bank has launched 788 households and 12,600 yuan in "Entrepreneurship and interest loan", and 615 households and 592 million yuan in "Weixi Aid Enterprise Loan".

In addition to the changes in the living environment brought by living and work, it is the biggest desire for "new citizens" to truly integrate into new cities and live a better new life. In order to allow the "new citizen" to enjoy equalized financial services, the bank uses mobile banking as a carrier to strengthen cross -border cooperation with the service fields of electronic government affairs, social security, and stool payment. , Tuition fee, including 15 categories of receipt and payment services, build 10 people's livelihood services, and provide "new citizens" with intelligent, scenario, and equalization financial "cloud services".

At the same time, the bank actively implemented policies such as personal account services of mobile employment groups and "reducing fees for profit", optimizing the account opening process, promoting simple account opening services, providing cross -bank issuing salary business, and opening more than 6,300 simple accounts for "new citizens". The batch salary of more than 150,000 strokes will be paid to reduce the cost of new citizens debit card work fee, annual fee, small account management fee, SMS service fee and other costs of more than 800,000 yuan.

In addition, in order to ensure the legitimate rights and interests of migrant workers, the bank actively connects related departments and construction enterprises in human resources, social security, housing, urban and rural construction, and participates in the construction 48 households, 17.07 million yuan in control funds, ensured that the salary of migrant workers was paid in time in a timely manner.

- END -