Bank of Communications regards rural revitalization as an important political responsibility, continues to increase financial support, and contributes to the consolidation and expansion of poverty alleviation achievements and the comprehensive promotion of rural revitalization.

　　Systematized support, continuous accumulation of energy for rural revitalization

　　Innovation helps rural revitalization, and the support of a series of top-level designs is the key.

Bank of Communications established a rural revitalization leading group at the head office level to coordinate the rural revitalization work; set up a special class to lay a management foundation for the rapid transmission and response of various policies, systems and programs; actively connected with regulatory authorities, the Ministry of Agriculture and Rural Affairs, the Rural Revitalization Bureau and other related Institutions, keep abreast of the latest policies and provide support for optimizing products and services.

The head office and branch established a professional department of rural revitalization financial services to undertake the daily promotion of rural revitalization financial services and fixed-point assistance.

　　In order to give full play to its financial advantages and help rural revitalization, Bank of Communications has established a comprehensive financial service system called "Bank of Communications Yinongtong", which covers credit financing, financial markets and investment banking, payment and settlement, wealth management and policy consultation. , "This is a comprehensive and all-round financial service system built by the Bank of Communications for rural areas, agriculture and farmers," said the relevant person in charge of the Rural Revitalization Department of Bank of Communications. The rural revitalization customer base provides a comprehensive, caring and consistent customer service experience.

　　Digital transformation enables finance to better serve rural areas

　　The issue of agriculture, rural areas and farmers is a fundamental issue related to the national economy and people's livelihood.

In recent years, Bank of Communications has accelerated the innovation of rural financial products and service methods, promoted financial resources to better serve rural areas, and effectively played the role of financial support and service guarantee for farmers.

　　According to the different needs of customers, Bank of Communications has formed three product lines of "Xingnong e-Loan" including "customized product line", "industrial chain product line" and "standardized product line" based on digital innovation to provide customers with differentiated products and services. Program.

On this basis, Bank of Communications took the opportunity of winning the bid for the Ministry of Agriculture and Rural Affairs’ financial support innovation pilot project to enrich the vertical database of rural revitalization, form an indicator model to support different agricultural ecological scenarios, and create a new type of agriculture that can be “integrated, scalable and replicable” The credit system of the business entity is actually applied to the whole business process represented by "Xingnong e-loan".

Bank of Communications integrates the "e-loans for agricultural development", the achievements of credit system construction and the credit through train of the Ministry of Agriculture and Rural Affairs, and launches a batch of customized products for rural revitalization scenarios according to local conditions, so as to continuously improve the ability to serve the real economy.

　　In Xinghua, Jiangsu, Bank of Communications innovatively launched the "Crab Loan" based on the construction achievements of the new agricultural business entity's credit system and the river crab breeding industry in Xinghua, Jiangsu, which not only realized the "crab loan" of online application, approval, signing, withdrawal, repayment, etc. One-stop" service, in addition to the front-end contact, post-loan management and other links, realizes the digitalization and intelligence of the whole customer journey, effectively solves the problem of high financing threshold and few financing channels for crab farmers, and greatly unblocks the services of large state-owned banks. Financing channels for new agricultural entities.

In just a few months after the product was officially launched, the number of customers increased hundreds of times, and it was highly recognized by customers and local relevant departments.

　　The relevant person in charge of the Rural Revitalization Department of Bank of Communications Jiangsu Branch introduced that "Crab Loan" is just a microcosm of Bank of Communications combining different scenarios and using digital to empower rural revitalization. Next, it will continue to enrich scenario applications, extend the industrial chain, expand coverage, and help "Sannong" has embarked on a new era of common prosperity.

　　In Hebei, a major dairy province, dairy farming has formed cluster advantages in Shijiazhuang, Zhangjiakou, Hengshui and other places. However, due to the lack of physical asset mortgages, financing is difficult and expensive, which has become a headache for many dairy farming farms.

In response to this, Bank of Communications has innovatively launched the "dairy cow loan" product, which does not require collateral, has preferential interest rates, and has the same loan term as the farm's The matching of the production cycle has brought a "timely rain" for a large number of farmers to expand their production capacity and increase their income.

　　For the mushroom planting industry in Tianzhu County, Gansu, a key county supported by Bank of Communications, the “Mushroom Loan” was launched in Gansu; for the growers of garlic yellow, it was launched in Hebei; for the cold chain food merchants in the agricultural product wholesale market, it was launched in Hunan Launched "Cold Chain Loan"; launched "Fisherman Loan" in Zhejiang for fishermen; launched "Vegetable E-Loan" in Shandong to support the development of Shouguang vegetable industry... By providing more accurate customer portraits and rich application scenarios, Bank of Communications Improve the financial service ability in the market environment of rural areas, and open up the "last mile" of financial products directly to farmers.

　　At the end of the first half of 2022, the balance of Bank of Communications' full-caliber agriculture-related loans increased by 102.065 billion yuan, or 15.8%, compared with the beginning of the year.

　　"Hematopoietic" assistance to help rural industries thrive

　　"Responsibility is not removed when hats are removed, policies are not removed when hats are removed, assistance is not removed when hats are removed, and supervision is not removed when hats are removed."

Since 2021, on the basis of the comprehensive victory in poverty alleviation, Bank of Communications will continue to provide targeted assistance to Tianzhu County in Gansu, Litang County in Sichuan, and Hunyuan County in Shanxi, and leverage its financial expertise to continue to help the targeted areas to consolidate and expand the achievements in poverty alleviation and effectively connect them. Rural revitalization.

　　Bank of Communications continues to explore new ways, new methods and new modes of assistance, and develops a set of "combination punches" such as industrial assistance, financial assistance, consumption assistance, employment assistance, training assistance, etc., and strives to make financial assistance "responsible". It will become a "demonstration field" for financial services to rural revitalization, and truly realize the transformation from helping poverty alleviation to promoting development.

　　Taking industrial revitalization as an example, Bank of Communications develops county-level enriching industries according to local conditions, always insists on teaching people how to fish, and upholds the concept of "one county, one industry, one village, one product", and by supporting local characteristic industries to become bigger and stronger, realize the transition from "blood transfusion" to "blood transfusion". "Hematopoietic" transformation.

In Tianzhu County, Gansu Province, we will build the "Hometown of Edible Mushrooms on the Plateau of China", invest support funds, and focus the support force on the cultivation and development of edible mushrooms, a pillar industry.

Create a big data agricultural financial product "Mushroom Loan", provide credit support for hundreds of edible mushroom farmers, and promote the employment of poverty-stricken people.

In Litang County, Sichuan, the combination of investment and investment will be used to build homestays, create tourist attractions with Tibetan cultural characteristics, and build a "city in the sky" Tibetan culture plateau tourism demonstration site.

Develop the exclusive "Yak Loan" exclusive financial product, and extend the yak breeding and deep processing industry chain.

In Hunyuan County, Shanxi Province, around the astragalus industry, a demonstration site of the village collective economy was built, funds were invested to revitalize the idle assets of the collective and the masses, and the Astragalus Cultural Industrial Park was donated to attract young people to return to their hometowns to start businesses.

　　It is worth mentioning that Bank of Communications has also continued to promote and consolidate the "two no worries and three guarantees" to assist in the revitalization of talents, culture, ecology and organization.

In terms of supporting medical shortcomings and strengthening epidemic prevention and control, Bank of Communications donated funds to build a hyperbaric oxygen chamber and a mobile nucleic acid testing laboratory for the Hunyuan County People's Hospital, effectively meeting the medical treatment needs of local people and ensuring people's life safety.

In addition to the necessary educational facilities, assistance funds were introduced to support basic education projects such as computer rooms, network renovations, and smart blackboards in primary and secondary schools in three assistance counties.

In terms of the construction of beautiful villages, funds have been invested in improving infrastructure for Chakouyi Village in Tianzhu, Gansu, and Hunyuanyao Village in Shanxi, to build demonstration villages for rural revitalization.

Equipped with sewage treatment equipment for Litang County Agricultural Park, and 6 primary schools equipped with safe drinking water purification equipment to ensure the safety of drinking water for teachers and students.

In terms of building the "Sannong" team, we will continue to carry out training courses in accordance with the "small class and high frequency" method, arrange for students from assisting counties to go to Zhejiang, Hubei and other provinces to observe and learn advanced experience in common prosperity, and improve grass-roots cadres in designated assistance areas. , technical personnel, leaders of getting rich and other groups to promote the ability of rural revitalization work.

In terms of promoting the continuous increase of farmers' income, we will continue to promote consumption assistance through the "three batches", namely, "one batch of staff restaurant purchases, one batch of sales and online sales, and one batch of publicity and mobilization" to promote the development of rural revitalization of special agricultural products. Customers, go to the table, go into the family.

Since 2021, more than 50 million yuan in consumption assistance has been achieved.

　　In the next stage, Bank of Communications will continue to increase innovation in serving rural revitalization, relying on the advantages of financial technology to help business sink, improve the quality and efficiency of Sannong services, and use financial water to "nourish" the construction of beautiful rural areas and the people's better life, and help the rural revitalization strategy. Fully advance.

(Yang Fan)

　　Source: Guangming.com