The source of the "Trinity" reform in rural areas | Wang Guangling: Communist Financial Commissioner explores the new path of Qiangcun Fumin

Author: Wang Guang, Secretary of the Party Committee and Chairman of the Ruian Rural Commercial Bank of Zhejiang

Ruian City, Zhejiang Province is the origin of the reform of the "Trinity" rural cooperation system. For more than 16 years, Ruian City has always kept in mind Yin Yin's entrustment and insisted on deepening the "trinity" reform of rural areas as an important starting point for promoting rural revitalization and promoting common prosperity. As the "Trinity" core member unit, Ruian Rural Commercial Bank has always adhered to the mission of serving farmers, giving full play to the role of the main force of rural financial services, and effectively promoting the "Trinity" construction of Ruian.

During the new journey of Zhejiang's high -quality development and construction common prosperity demonstration zone, Ruian Rural Commercial Bank closely focused on the goal of "consiring high -quality development and construction common wealth demonstration zone and county -regional financial bald soldiers". Inadequate configuration and insufficient inclusive financial services, hold hands in the Organization Department of the Ruian Municipal Party Committee to start the selection of 300 "common wealthy financial commissioners" into the village community on August 25, 2021. 300 financial talents with high education and high qualities, two years of hiring, dispatched 412 villages and 102 communities as "village social financial advisors" to open up financial endings, realize financial policies, personnel, and services to villages to people, explore financial finance, explore financial financial Empower the new path of common prosperity.

Be a liaison officer, weave the party and mass interaction. The first is to implement the office system. It has set up financial communities in the village community in 514 village communities in the city to implement the office site in the village. The office system is implemented every Monday. Essence The second is to implement the "four wealth list". Based on the village conditions, visit a solid visit, form a list of farming lists, village love lists, resource lists, and project lists "Four lists of rich lists", creating the "Three All -Legal Capability, Full Emotic Welling, and full -minded service" as the main content. "Team. Use big data technology to build an information platform, integrate the city's agricultural -related entity database, and realize the accurate portraits of agricultural maps, the city's farmers and agricultural entities. The third is to plan key specialty projects. The Communist Party of China has comprehensively sorted out research on the collective economic projects of the village, and has done a good job in feasible research and project economic benefits of project risk assessment, revenue and expenditure budgets, and planning a number of industrial development projects such as deep processing and e -commerce marketing of special agricultural products. The "strong village income increase" loan was launched, and 1.5 billion yuan of special common wealth credit funds were set up. Each village selected more than 1 village collective economic project to match to promote the project as soon as possible to make profitability.

Be a good instructor and consolidate the main position of rural financial. The first is to focus on low -income farmers' "retreat". Open the "Agricultural Special Line", explore activities such as promotions, points assistance, window help, etc., and other forms of parallel; they are paired with the supply chain of agricultural special products for agricultural service centers in the town street to guide the city's 6324 low -income farmers' entrepreneurship to increase their income. Low". The second is to focus on private enterprise assistance. Combined with the special enterprise visiting operations of the "Yang Party Banner and Hui Wan Enterprise", we will implement the service responsibility fields of the enterprise of the outlet institution, and focus on solving the financing issues of the new operating entity. At present, there are 3,447 new agricultural business entities such as family farms, and 1.6 billion yuan of special loans will be issued. The third is to focus on rural governance services. Line rural collective "three capitals" (funds, assets, resources) management systems to create a village -level financial agent "offline+online" Ryan model. Since its launch, the number of online approval has been achieved by 101,000 pens, with a amount of 5.25 billion yuan, saving nearly 1.5 million yuan for village account management expenditures. Implement "one -to -one" supervision and guidance such as financial revenue and expenditure, asset disposal, etc., deepen the "5+28+N" village accounting agency management system, that is, 5 full -time administrators of the headquarters, 28 village account agency centers, N name agent accounting, Continue to promote the wise and modern supervision of rural collective "three capitals".

Do a good job of propaganda and create a inclusive financial broadcast desk. The first is to strengthen the leadership of party building. The party building brand of "peaceful red vests" common wealthy financial commissioner, through the form of "party member joint studies, activities, service joint" and other forms, consolidate the organizational foundation of the co -red leadership. For example, with Wenzhou Shankang Agricultural Development Co., Ltd., the party building alliance is established to jointly create a "peaceful farm", innovate the "farm+platform+consumer" consumption model, and achieve mutual benefits and win -win situations for supply and demand with "farming experience+help of farmers' sales". The second is the concept of popularization. Actively participate in the construction of digital service platforms such as Smart Agricultural Brain, Smart and Farming Communist Party, and other digital service platforms, accelerate the process of online and intelligent business processing, and enhance customer loan experience. Accelerate the application of online platforms such as "Zheli Loan" and "inclusive loan", promote small inclusive loans of farmers with "whole village credit" and "whole community credit", build a "non -sensing credit" whiter list, and issue pure credit inclusive inclusive inclusive inclnue The loan of 15,000 households and a loan amount of 2.1 billion yuan. The third is to preach the knowledge of agricultural money. Relying on the cultural hall, the village community propaganda bar, the bumper harvest station, WeChat public account, short video and other carriers, carry out publicity and education such as "Rural Financial Lecture Hall", and promote the pilot pilot of the organic connection of the common prosperity, national farmers and modern finance organic connections. Good approach and good case.

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On August 25, 2021, the target positioning of the pioneering pace of the wealthy demonstration zone of high -quality development and construction of high -quality development and construction was led by the Ruian Municipal Party Committee Organization Department of Wenzhou and the implementation of Ruian Rural Commercial Bank. Commissioner "actively promotes financial services to help rural revitalization and common prosperity.

At present, the unbalanced supply of financial supply, inadequate configuration of basic financial functions in some regions, and insufficient inclusive financial services. The 300 "Common Wealth Financial Specialist" will be stationed in 23 towns (streets), 412 villages and 102 communities in Ruian City as financial advisors from the next day. It is really improving the acceptability and convenience of rural finance. The event introduced six major responsibilities and five mechanisms to determine the work responsibilities and tasks of "common wealthy financial commissioner" from the system, standardize behavior, and avoid commercialization and formalization. The "Common Wealth Financial Commissioner" will carry out propaganda for anti -fraud to the units of the station, introduce government measures such as "agriculture, rural areas and rural areas" at all levels, and preferential measures such as the organic connection pilot of small farmers and modern finance. The agency adds at least one high -quality collective economic reserve project every year, the innovation mechanism system, solve the difficulties encountered in farmers' production and operation, and help village clubs lowly income farmers "retreat". These have specific indicators to ensure that the monthly, quarterly, and annual "one village and one list" is submitted to the Organization Department of the Municipal Party Committee.

"We will lead the party building, integrate resources, enrich the common prosperity financial services projects and connotations, promote the increase in the collective economic income of the village and increase the income of farmers, strengthen the process control, regularly hold an invasion meeting, select ten good practical cases, build the co -leadership of party organization leadership, The new pattern of rural good governance is shared by Jianjian, "said the person in charge of the Organization Department of the Municipal Party Committee. In the next step, the Organization Department of the Ruian Municipal Party Committee will strengthen overall planning, strengthen assistance, strengthen support, and regularly hold an inquiry meeting to study the new problems, new situations and responses of the "common wealth financial commissioner" to enter the village community. Long -term mechanism to ensure that the activities are implemented.

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