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The picture shows the staff of the Lanzhou Branch of Lanzhou Rural Commercial Bank is carrying out the “Funding to the Village to Send Finance†campaign in Shigou Village. Xie Li
“In the past, we were poor villages. More than 1,800 people lived on more than 3,000 acres of wasteland. In the past two years, the government has built new rural areas. The whole village has moved from the mountains to the whole place. Every household has lived in a big house, and the villagers have also The melon farmers became working in the nearby park to earn wages, and the income has increased a lot. The loans from the rural commercial banks have all been repaid.†Chen Keji said as he walked into the Shigou Village where he was.
Shigou Village, which is located in Qingbaishi Street, Chengguan District, Lanzhou City, has benefited from the government's new rural construction and the urban transformation of “pushing mountains and land†in recent years. The two years have undergone earth-shaking changes. As the village director, Chen Keji sincerely thanked the party and the government for their policy of benefiting farmers and the financial support given by financial institutions at key times.
He said that the Qingbaishi branch of the Lanzhou Branch of Lanzhou Rural Commercial Bank was established in 1986. It is still the only financial institution in the region with physical outlets. Although there are only 9 employees, it relies on 6 convenience service points to cover 100% of villages and 99% of farmers. In recent years, in response to the capital needs for housing construction and housing renovation encountered during the relocation of Shigou Village, the bank has actively issued a loan of 2.72 million yuan to more than 30 households, and 80% of the villagers have alleviated this fund. The urgent need to improve the living conditions.
“Whether it is to support advantageous agricultural enterprises or to distribute relocation loans to farmers, whether it is to plan offline physical outlets or promote electronic banking, it is the embodiment of rural commercial banks as a rural financial link to support farmers and implement inclusive finance.†Lu Zongxun, deputy governor of Lanzhou Rural Commercial Bank, who accompanied the reporter, said.
The picture shows the staff of the Lanzhou Branch of Lanzhou Rural Commercial Bank is carrying out the “Funding to the Village to Send Finance†campaign in Shigou Village. Xie Li
Convenient service point: offline "village village"
Entering Shigou Village, there are rows of clean and tidy two-story buildings. Every household has a well-kept garden or vegetable garden. The improvement of living environment and income increase make Shigou Village people pass the past. A good day that I can’t think of it. In the square outside the community committee of the community center, the reporter happened to encounter the employees of the rural commercial bank who were pulling banners and placing booths to publicize financial knowledge and handle the business to the villagers.
Shi Huaijun, the president of the Yellow River Sub-branch, told the reporter that the village committee is also the location of the convenient financial service point of Shigou Village. It is located at the core of the community and provides basic financial services for 375 households with 1,722 people. Speaking of the current publicity activities, he said: "In the past two years, financial lectures, financial knowledge to the countryside, and inclusive financial activities like this have been carried out more than 30 times, and more than 18,000 copies of the publicity and distribution have been issued. Very good publicity effect." At present, the behavior of the nine administrative villages under the jurisdiction of Qingbaishi Street provides financial services, and has undertaken the collection of urban endowment insurance and cooperative medical insurance for the local population of 11,800, and has represented the land acquisition and demolition funds. Insurance, heating subsidies, various types of subsidies and other services.
It is understood that Lanzhou Rural Commercial Bank has 156 convenient financial service points, which basically realized the financial services of the five districts of Lanzhou, “village to villageâ€, and filled 106 financial blank administrative villages in Lanzhou. Since 2017, the transaction volume has accumulated 102,037, and the transaction amount has exceeded 78 million yuan. At these convenience service points, through the deployment of the three rural service terminals and Huimin terminals, bank card transfer, withdrawal, payment, payment and other functions are realized.
Deng Lei, general manager of the channel management department of the bank, said that the operation management of these terminals is divided into a merchant (enterprise) model and a village committee (community) model. The township (town) government, the village committee (community) and the merchant (enterprise) are the operational partners of the three rural terminals, responsible for the selection and daily management of the administrator. "From the perspective of operational management, it has been affirmed and welcomed by merchants, village committees and the majority of villagers, and has played a positive role in improving the image of banks."
At present, there are 151 administrative villages under Lanzhou, and there are 45 administrative villages with financial services, accounting for 29.8%. "In the next stage, we will continue to increase the support of agricultural services, and ultimately achieve full coverage of regional financial services." Deng Lei said.
"Flying Skynet": targeting mobile payments
"With the development of information technology and the need for competition, we are also promoting electronic banking services such as online banking, telephone banking, mobile banking and WeChat banking while conducting unified strategic planning for offline physical outlets and self-service banking. Mobile payment not only enhances customer experience, but also effectively reduces operating costs.†Deng Lei told reporters that in the rapid development of Internet finance, customers' demand for mobile payment is growing. In May of this year, Lanzhou Rural Commercial Bank launched the fund trading clearing service product “Feitian Cashierâ€, which can support three types of payment channels, such as WeChat, Alipay and Jingdong, to achieve one-code overpayment. "Feitian Cashier" was launched on the line for two months. The number of merchants has increased to 260, and 8178 transactions have been completed with a transaction amount of 3,230,400 yuan.
At a branch outlet, a customer who just opened the business told reporters that it is very convenient to use the "Flying Skynet" funds to complete the liquidation within T+2 working days, and the bank currently implements preferential rates, so it is specially Come experience it. According to the staff of the bank, after the merchants pay attention to the WeChat public platform of the rural commercial bank, they can receive the reminder information of the WeChat push in real time and support the voice reminder. Through this service platform, the merchant can not only self-check the transaction details, but also download the report by himself. Independent reconciliation, and can also be tied to multiple collections, effectively avoiding missed accounts and wrong accounts. In addition, Feitian Cashier also supports credit card payment, support for multi-store cashiers, chain merchants, and support for Tencent and banks. Relief, preferential activities.
Deng Lei said that in order to further develop the "Feitian Cashier" market and expand the market influence, the next stage will further expand the scale, merchants, taxi operations, parking lots and other scale merchants while developing small and medium-sized shops. "In the next step, we will take effective marketing and profit-making measures, and cooperate with WeChat and Alipay to attract consumers to scan the code and strive to improve the market competitiveness of 'Feitian Cashier'." Deng Lei said.
Supporting farmers: reducing loan financing costs
In recent years, in the process of efforts to transform and upgrade, Lanzhou Rural Commercial Bank has continuously increased its support for agriculture, mainly reflected in the growth of loan scale and the reduction of agricultural loan financing costs.
As of the end of June 2017, the bank's agricultural loan balance was 29.327 billion yuan, accounting for 50.18% of the total loans, an increase of 5.14%; meanwhile, the bank's average interest rate on agriculture-related loans was only 6.83%.
Lu Zongxun said that in terms of strengthening credit support, their approach is to focus on regional superior agriculture, such as the agricultural industrial chain with characteristic advantages such as summer vegetables, lily, and ecological aquaculture in Lanzhou City, and has targeted a number of agricultural industry leaders. Scale expansion, industrial upgrading and technology research and development of enterprises and new agricultural management entities. As of the end of June 2017, a total of 812 million yuan was loaned to the leading agricultural industrialization, and 11.47 million yuan was loaned to farmers' professional cooperatives.
"For the personal loans of farmers, we mainly adopt innovative financing channels and adopt diversified service means to avoid mortgages and guarantee-free micro-credit loans for farmers, to solve the problem of insufficient self-collateralization and weak risk resistance." Lu Zongxun said that In the first half of this year, the bank has completed the completion of 17304 credit rating agencies and issued 1,796 micro-credit loans to farmers with a balance of 110 million yuan.
At the same time, in order to play a more effective role in supporting agriculture, the bank also actively improved the loan interest rate pricing mechanism. According to the type of agricultural customers and the use of loans, the interest rate on agriculture-related loans was greatly reduced. The adjusted average interest rate of agriculture-related loans was 6.83%. The interest rate limit for individual entrepreneurial guarantee loans and women's small secured loans is 1 percentage point higher than the benchmark interest rate for the same period of the loan, effectively reducing the financing costs of regional agriculture-related loans.
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