He' nan Luanchuan Minfeng Rural Bank Service

It has always been a concern that rural financial institutions cannot meet the credit needs of farmers in the construction of new countryside. As the first new rural financial institution established in Henan Province, Minfeng Rural Bank has made new breakthroughs in solving the three rural issues and building a new socialist countryside with brand-new ideas, development ideas and solutions based on the interests of people's livelihood and its own sustainable development.

Minfeng Rural Bank has given full play to its flexible mechanism and combined with the characteristics of local economic development, launched a series of credit businesses suitable for local county economic development, providing all-round financial support for local farmers and urban residents to invest and start businesses. Based on people's livelihood and the characteristics of Luanchuan county economy, develop microfinance business. Taking the micro-loan business as a breakthrough, we will launch family hotel loans and personal investment and operation loans. In view of the short-term liquidity demand of farmers in cities, the personal loan business of agriculture-related business was developed to meet the temporary and circulating liquidity demand of county residents and farmers engaged in agriculture-related business to the maximum extent. By the end of 2009, 57 such loans were granted, with a total amount of 53.443 million yuan.

In 2009, faced with the impact of the global economic crisis on Luanchuan molybdenum industry, various mining enterprises in Luanchuan, known as the molybdenum capital of China, once fell into financial crisis. In order to help such enterprises tide over the difficulties, Minfeng Rural Bank took advantage of its quick decision-making as a legal entity, seized the market opportunity, took Luanchuan's social and economic development as its own responsibility, actively explored new credit support models, launched spot-to-stock pledge loan business, and solved most of the problems in mineral products processing by means of molybdenum fine powder pledge. Up to now, a total of 49.07 million yuan of spot loans have been issued, which has strongly supported the development of Luanchuan molybdenum mine industry. Strengthen cooperation between banks to achieve win-win cooperation. As the founder and largest shareholder of Minfeng Village Bank in Luanchuan, Henan Province, bank of luoyang has played a positive role in guiding and promoting the development of Minfeng Village Bank in terms of business model and financial product innovation.

Minfeng Rural Bank established a fund lending platform with bank of luoyang, and agreed to deposit idle funds, which improved the income of funds, reduced the waste of resources, and effectively enhanced the ability to resist market risks. Combined with the local actual situation in Luanchuan, we sorted out various business processes such as credit business and bill discount business, and launched a fast and easy-to-paste bill discount business. On the basis of strictly guarding against all kinds of risks, we strengthened the analysis of market situation, actively adjusted business ideas to participate in market competition, and established our own bill base customer base by taking advantage of the simplicity and rapidity of bill discount business. Through cooperation with the Ministry of Science and Technology of bank of luoyang, the head office and branch systems were launched, which solved the problem that Minfeng could not issue debit cards and seriously affected the development of savings business. At the same time, Minfeng Rural Bank has realized the collection of Luanchuan local TV fee, Luanchuan Unicom telephone fee, property management fee and water and electricity fee through its electronic business platform in bank of luoyang, and delivered high-quality financial services to thousands of households.

Minfeng Rural Bank also actively learned from and absorbed bank of luoyang's experience in the field of microfinance, set up a microfinance department, and actively expanded its microfinance business. Micro-loan business refers to a new loan model with a loan amount of 6,543.8+0-500,000 yuan, which does not require customers to provide mortgage and guarantee or provide financial statements. Since its establishment more than half a year ago, Minfeng Rural Bank has visited more than 2,000 customers and gradually established a brand of Fuminbao microfinance. Up to now, a total of 63 micro-loans for Fuminbao, amounting to 8.936 million yuan, have been widely praised by urban and rural residents in Luanchuan County. Shoulder the development mission and build a boutique bank. Minfeng Bank, established just over a year ago, has become the main force supporting the development of Luanchuan county economy with its distinctive features and flexible mechanism, won wide public praise for its convenient and flexible services, and laid a solid foundation for its long-term development.

Looking forward to the new future, Minfeng Rural Bank put forward a five-year strategic plan for business development, drew a new blueprint for development, and began to increase capital and share. The share capital will increase from 20 million yuan to 654.38+0 billion yuan. After 65.438+0 years of solid foundation, two years of accelerated pace, three years of new leap and five years of great development, Minfeng Rural Bank is moving towards the goal of building excellent assets, controllable risks and standardized management.