In Taishun County, one of the 26 mountainous counties, Wenzhou Taishun Rural Commercial Bank, as the "host bank for rural revitalization", constantly deepens financial services and innovates financial products around the construction of beautiful countryside and the development of rural industries, and helps village-level organizations and farmers to increase their income and become rich by doing practical things. Contribute more wisdom and strength to build a model of 26 counties in Taishun County and Fuyu Demonstration Zone.
Downhill relocation and loan life
"I didn't even think about my life today. If it weren't for the good policy of ecological relocation, I applied for a loan of 200,000 yuan from the Rural Commercial Bank. I still live in an adobe house and live a poor life in the mountains. " Looking at today's uniform and beautiful garden community, Uncle Xu said with emotion.
As the object of ecological relocation, Uncle Xu, who lives outside Xuzhai Village with high mountains and steep slopes, actively responded to government policies. After moving to a new house, Uncle Xu also started his own tea garden, but the previous capital investment made him worry. Si Qian Sub-branch of this bank, after learning about this situation, issued a "three cups of incense loan" totaling 600,000 yuan.
Today, the tea garden has expanded to more than 85 acres, which not only helps Uncle Xu get rid of poverty and become rich, but also drives more than 30 farmers around to increase employment. Smelling the fragrance of tea, the sweetness of a happy life also welled up in Uncle Xu's mind.
As a typical mountainous county, many people in Taishun used to be "at the end of their tether". In recent years, Taishun Rural Commercial Bank has practiced the spirit of the important instruction of "getting benefits, stabilizing benefits", visited and docked relocated farmers online, and innovated and promoted special products such as "ecological relocation loan", folk music loan and three cups of incense loan to match the financial needs of relocated farmers throughout the process. Optimize the business process with the requirement of "service first", decentralize the credit approval authority, improve the approval efficiency, and help the people in mountainous areas walk down the mountain road. By the end of May, the balance of ecological relocation loans was 530 million yuan.
Qiang Cun Bai Liang shancheng
A piece of tofu made the village rich and turned homesickness into an industry. Dong, a villager in Yanshan Village, Shiyang Town, has been doing business for decades and still remembers his "hometown flavor". He resolutely returned to his hometown and devoted himself to the transformation and upgrading of the Chinese herbal medicine industry with tofu firewood as the core. However, due to the shortage of funds, the project progress is slow and stagnant.
After learning about this situation, the bank took the initiative to issue a strong village industrial loan of 6.5438+0 million yuan to Yanshan Village for the operation of Chinese herbal medicine industry, which solved its urgent need. At present, bean curd firewood 160 mu has been planted in Yanshan village, with an estimated income of 6,000 yuan per mu, which is expected to increase the collective income of the village by 960,000 yuan.
In recent years, the bank has further promoted the activity of "strengthening villages through finance", set up the fund of "* * * enriching the people", vigorously promoted the "strong village industrial loan", made good product docking, service plan and financial guarantee, and increased financial support for strong village companies and village collectives. At the same time, in order to accurately promote the capitalization of rural resources, the revitalization of high-quality agriculture, the appreciation of farmers' assets, and the livability of beautiful countryside, the bank launched a series of products such as "loans for supporting agriculture", "loans for wealthy businessmen" and "loans for beautiful countryside", strengthened the normalization and development financial assistance for low-income groups in rural areas, and helped to build a modern rural industrial system, with a total of 65.438+0.98 billion yuan of related loans.
Lishan Su Min is located in Zuoxi Village, She Town, Si Qian, the "She Network Celebrity Village". It has formed a tourism industry chain integrating catering, homestay and agricultural products picking. However, affected by the epidemic, the number of tourists has dropped by nearly 80%. "This year's financial pressure is too great.
He is the "Finance Director" of Xingdong Village, a small town in Wang Qiang, and also the "Yangmei Director" in the villagers' mouth. The conditions for planting Myrica rubra in Xingdong Village are unique. Due to the high altitude and unique climate, the local Yangmei ripens 20 to 30 days later than other areas in Taishun, so it has higher quality, better sales and higher price. In the past two years, the villagers have tasted the sweetness by planting Myrica rubra one after another, expanding the planting area of Myrica rubra one after another and driving other villagers to join the Myrica rubra planting team.
According to the early investigation of Mopai in Wang Qiang, there are more than 400 families in Xingdong Village. At present, there are more than 200 households planting Myrica rubra, more than half of the total households. "But at present, there are some problems in bayberry planting in this village, such as unprofessional and insufficient planning." After many field visits, Wang Qiang suggested that the village should set up a professional cooperative at the villagers' congress in Xingdong Village to provide through-train guidance on seedling selection, planting, management, picking and sales of Myrica rubra, and hire professionals to provide technical guidance on the whole process of planting and management.
This suggestion was quickly recognized by the village, and the Wengshan Yangmei Planting Professional Cooperative was established. Then every Wednesday in the on-site office, he learned that the growers were under great pressure to invest money in the early stage. He immediately registered the situation of growers, provided 50,000-200,000 "loans for supporting agriculture" to meet the access conditions, and solved the urgent needs of growers. Up to now, Dongyang Sub-branch of Xiaocun Sub-branch of the bank has issued more than 40 new credits to Myrica rubra growers in Xingdong Village, and issued more than 3 million yuan of loans for supporting agriculture, which has revitalized the superior resources in the region and helped farmers get rich and increase their income.
He is one of the financial commissioners of Bank of Wang Qiang 1 15. It is reported that since September, 20021year, Taishun Rural Commercial Bank, under the guidance of the organization department of the county party committee and the People's Bank of China, has gone straight to the front line, sent 1 15 "tongcai financial commissioners" to 19 townships and 289 villages (communities) throughout the county to establish counties and towns. The bank * * * participated in the town and village meetings for 24 times1time with the financial commissioner for enriching the people, visited 3,264 low-income farmers and poor students 198, and helped 19 villages to issue collective loans of RMB 25140,000, making financial contributions to the mountainous areas and enriching the people.
Blood transfusion helps enterprises get rid of poverty
"This is the first loan of our company. I didn't expect financing to be so convenient as a start-up small and micro enterprise. " The person in charge of Shunxian Yiduo Agricultural Co., Ltd. sighed. Previously, he submitted the financing demand through the "loan code" in the WeChat circle of friends. The bank docked the first time after receiving the financing application, and issued the first loan10.5 million yuan in less than 2 working days.
Solidly carry out the "Three-year Action Plan for Microfinance Project", vigorously promote pure online loans such as "Micro Easy Loan" and "Li Zhe Loan", and use digital financing channels to increase the loan amount. Guide credit funds to invest in small and micro enterprises that urgently need financing support.
Industry, through interest rate cuts, RRR cuts, increase credit support for "first loan" small and micro enterprises. By the end of April, small and micro enterprises had added "first loan households" 153 households, accounting for more than 90% of the county's increase.
At the same time, the bank actively used PBOC refinancing and inclusive microfinance support tools, combined with interest rate concessions, special visits and other assistance policies, increased investment in inclusive micro-enterprise credit loans, and reduced its dependence on mortgage guarantees. For example, Zhejiang Million Bee Industry Co., Ltd. is mainly engaged in the production and management of bee species. There is a certain shortage of funds due to factors such as the delay in the return of sales funds. The bank used the refinancing policy to increase 900,000 yuan with an annual interest rate of 5.25%, which effectively reduced the financing cost of enterprises while solving the liquidity difficulties.
Related Q&A: The conditions for Zhejiang to apply for a loan are very simple. The borrower holds a debit card of the rural commercial bank or has a deposit account in the rural commercial bank; Opened the "Harvest Internet" professional version; Moreover, personal credit is good, and there is no bad credit record on the credit report. Meet these conditions, and you can apply for a loan from Li Zhe. Li Zhe Loan mainly provides loan products such as citizen card loan, excellent loan, provident fund loan, social security loan, tax bank loan, official loan, mortgage loan and deposit loan. It is a pure online application, and there is no need for guarantee, mortgage or face-to-face signing. After the borrower directly logs into the mobile banking "Harvest Internet" for one-click application, the system will automatically rate the borrower according to the credit data such as comprehensive credit information, social security, taxation and court, and release the loan after passing the evaluation. Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15. The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities. Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court. Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission. The supervision of online lending platforms, from up to five or six thousand to the end of June, is only 29, and the special rectification work may basically end at the end of the year and turn into regular supervision.