What does China Construction Bank do in rural revitalization?

Different businesses have been implemented in different regions, as follows:

Strengthen interconnection and introduce financial support programs according to local conditions.

1. Three departments of China Construction Bank jointly held the kick-off meeting of "five links".

On May 26th, 20021,the Party Affairs Department, Rural Revitalization Finance Department, Strategy and Policy Coordination Department and Hunan Branch of China Construction Bank jointly held the kick-off meeting of "Five Links".

The Ministry of Finance for Rural Revitalization and the Ministry of Strategy and Policy Coordination attach great importance to the work of "five links" and set up a special working group within the Ministry. This kind of pairing cooperation is very promising. All parties in the "five links" promote each other in cooperation and exploration, organically combine social practice with new financial action practice, strive for more models, more experiences and more achievements, strive to build benchmarks and models, help grassroots governance and serve the national strategy.

2. Shanghai's "Ten Rural Revitalizations"

Combining the policy orientation of the 14th Five-Year Plan and the "Three Parks Project" in Shanghai, Shanghai Branch started the "Three Steps" of financial services to revitalize rural areas with "Yunongtong" rural coverage, signed a strategic cooperation agreement with the Municipal Agriculture and Rural Committee, issued the "Ten Implementation Opinions of Shanghai Branch of China Construction Bank on Deepening the Revitalization of Rural Financial Services", launched the "Hundred Days Action on New Financial Services", and made efforts to build the harbor into a "rural revitalization harbor".

3. Tianjin Rural Revitalization Financial Services "Jin Jiu"

Tianjin Branch launched nine "hard bones" measures of financial services for rural revitalization to accelerate the high-quality development of agricultural industrialization in Tianjin and guide the flow of various resource elements to the field of agricultural industrialization. Once the measures were introduced, they received wide attention and praise from all walks of life. The mainstream media reported one after another, and the rural people praised it again and again, which was hailed as a "Jin Jiu chapter" to help rural revitalization.

4. Sichuan "Sixteenth Service Guarantee for Migrant Workers"

On the basis of sixteen measures to strengthen the service guarantee for migrant workers formulated by the provincial government, Sichuan Branch introduced five measures to guarantee the financial service for migrant workers, which are to help provide living services, help employment and entrepreneurship, help protect rights and interests, help care for family members and help create social customs, and refined them into sixteen specific measures. In June, 20021,in order to better implement the sixteen measures, the branch cooperated with Sichuan Migrant Workers Service Center to set up a financial service area for migrant workers covering the fields of life and production, employment and entrepreneurship, social security and medical care, etc.

Refine products and innovate financial service products of agricultural subjects

1. Innovate "Nong Yu Fast Loan"

Satellite remote sensing application online

On March 28th, 20021year, the satellite remote sensing application of "Nong Yu Express Loan" was successfully put into trial operation in five areas of Hebei and Yunnan. This project is the first time that a large state-owned bank has applied the innovation of satellite remote sensing technology to the field of rural revitalization finance, and added the credit enhancement application based on satellite remote sensing technology to the "Nong Yu Fast Loan" for farmers. Financial technology has achieved a new breakthrough in the field of "satellite agricultural finance" and found a feasible breakthrough for the problem of farmers' loan difficulty.

The insurance model for girls who score snow online.

China Construction Bank actively cooperated with BOC Insurance Information Technology Management Co., Ltd. to study and analyze the national farmers' planting and breeding insurance data. By accessing the agricultural insurance data of business scenarios such as farmers' risk portraits and accurate credit granting, the fine management and risk prevention capabilities of farmers with different subject types and different business types will be improved. The credit version of "Nong Yu Express Loan" was successfully launched on May 28th, 20021year. By introducing the characteristic data of agricultural insurance, the accuracy of customer risk assessment of agricultural insurance is improved.

Post-loan management system is online.

China Construction Bank strengthened financial technology empowerment and application of big data related to agriculture, comprehensively applied post-lending management tools such as monitoring and early warning, quota control, overdue collection and visual risk control platform, continuously tracked the borrower's credit status, loan fund disbursement behavior and loan fund usage, effectively prevented and controlled risks such as fraud and money laundering, ensured the asset quality of "Nong Yu Fast Loan" and promoted the sustained and healthy development of its business.

2. Convenient rural daily payment

"Yunongtong" credit card benefits farmers

China Construction Bank launched Longka "Yunongtong" credit card, which empowers rural areas and helps farmers by virtue of its financial, technological and service advantages. In order to better empower rural revitalization and serve rural county customers, since 20021,the credit card rights of "Yunongtong" have added two rights, namely, free agricultural technical guidance and consultation and preferential agricultural product logistics, on the basis of the original rights and interests of benefiting farmers. In addition, the "Yunongtong" credit card will continue to be exempted from the annual fee of the main and secondary cards, the SMS service fee and the bank withdrawal fee, and the local "Yunongtong" special discount will be superimposed to create a diversified "Yunongtong" service model.

Cash management of "Jade Road Benefiting Farmers" into rural areas

Focusing on the pain points in the fields of grass-roots government fund management, rural land property right system reform and ecological layout of rural supply chain, CCB actively explores and takes the initiative to promote the sinking of financial services through innovation. Focusing on improving the convenience and adaptability of payment and settlement, liquidity management, information reporting and fund supervision services, CCB explores a comprehensive cash management solution of "benefiting farmers through jade" and strives to find a new way to empower rural revitalization through financial innovation.

3. Ensure agricultural production and operation.

Commodity hedging helps agricultural modernization.

Heilongjiang Branch incorporated the commodity hedging business in the financial market into the comprehensive financial service plan of family farms and farmers' cooperatives, which was helpful to prevent the violent fluctuation of domestic and foreign commodity markets, realize stable operation, and help to cultivate and expand family farms and farmers' cooperatives. Since 20021,based on serving county agricultural products customers, the bank has been committed to providing more comprehensive customer service solutions for agricultural business entities by continuously improving the popularity and market influence of CCB's commodity hedging business, helping Heilongjiang's agriculture to develop better and faster.

The first single pig "insurance futures bank" landed

CCB Futures, Shaanxi Hanzhong Branch and China PICC Property & Casualty Hanzhong Branch have successfully established the first single-pig "insurance futures bank" model. The mode of "insurance futures bank" for landing pigs is not only the first single pig price insurance in Shaanxi Province, but also introduces its innovation into the credit management of banks for pig farmers, which not only reduces the influence of market price fluctuation on small pig breeding enterprises, but also improves their financing ability.

4. Help farmers manage their wealth

Financial products with the theme of "rural revitalization"

In April, 20021,China Construction Bank launched a wealth management product with the theme of "rural revitalization" in Hebei, accounting for 60% of the purchases of farmers in the county. Mainstream financial products have sunk to the head of rural villages, allowing farmers to enjoy financial services and product benefits, which helps to cultivate rural residents' financial awareness and is a successful exploration of China Construction Bank's strategy of serving rural revitalization.

Affordable insurance for rural residents

CCB Life launched the "Aibao" anti-epidemic insurance products for township and rural people through the "Agriculture and Fisheries Link" APP. Farmers can get accidental injury and accidental medical insurance covering COVID-19 at the lowest 20 yuan premium; At the same time, in response to the protection needs of returning home buyers, CCB Life has launched a number of "lucky three guarantees" travel protection plans with flexible combinations and low discounts. In order to do a good job in "healthy villages" and provide practical protection for farmers.

Relying on science and technology to build a comprehensive rural service platform

1. Digitalization breeds a new ecology of rural grassroots governance.

China Construction Bank actively builds a new ecosystem of digital rural grassroots governance services, further promotes the sinking of the focus of smart government services, opens up the "last mile" to serve the national, provincial, municipal and county six-level government system, and builds a new pattern of G-side connection development of grassroots governments. First, lead new financial actions in the spirit of the Fifth Plenary Session to help the development of urban and rural circulation. The second is to implement the concept of digital management and build a new platform for rural three-capital supervision, property rights transaction and smart village affairs. The third is to accelerate the innovation of rural social security comprehensive services around the circulation of social security funds, the entrepreneurship of retired military personnel and the integration of government affairs platforms.

2. Digital credit empowers rural governance

China Construction Bank explores a new model of credit system construction, and creates a credit system construction solution for Suzhou Yong Lian. The overall scheme combines social credit and financial credit, and * * * builds the digital credit score of Yong Lian Village. On the one hand, credit scores are formulated for local characteristic data such as social credit evaluation, such as housing management and family civilization scores, so that credit scores can give birth to "civilized fashion"; On the other hand, for the evaluation of financial credit, the credit data product "Longxin Merchants" is introduced to comprehensively measure the financial credit level of villagers and provide practical credit life service concessions. The three-color "credit code" can support multi-channel rapid display and inquiry, promote rural governance and upgrade residents' credit life, and empower digital rural construction with credit.

3. "Chongqing Nongtong-Homesickness Circle" enriches rural social life.

China Construction Bank is committed to building a rural social life service of "connecting farmers with homesickness". No matter the villagers who live in their hometown or the wanderers who go out to work hard, the villagers scattered all over the country can join "My Village", share the interesting things in their hometown with each other, find childhood playmates, care for the left-behind elderly and children, and make their family ties and homesickness better. At the same time, there are expert studios in the "homesickness circle", where you can get professional guidance from agricultural experts, entrepreneurs returning home, rich leaders and rural teachers. Open the "nostalgia circle" village treasure chest, open a new model of digital village management, make policy communication more convenient, village information more transparent and voting easier. Since the trial operation of 202 1 in February, 60,000 villagers have joined.

4. "CCB Cloud" escorts rural revitalization

In the rural revitalization strategy, there is a promising cloud-"CCB Cloud". It was built by China Construction Bank using industry-leading cloud computing technology. Cloud resources, service support, security protection and stable operation are its warmest concerns for rural revitalization. On this "cloud", there are 12 projects in seven business areas, such as "Chongqing Agricultural Link", rural revitalization service, rural collective three-capital supervision, rural land contractual management right transfer, sunshine village affairs, rural property right transaction and beautiful countryside. The service targets cover government agencies at all levels, village committees, economic cooperatives, agriculture-related enterprises and villagers.

Cooperate extensively with all walks of life to build beautiful countryside.

1. through train The first order of the construction bank credit through train landed in many places.

On 20021May 13, the Ministry of Agriculture and Rural Affairs issued the Notice of the General Office of the Ministry of Agriculture and Rural Affairs on Developing a New Type of Credit Express Train for Agricultural Business Entities. The credit through train is to obtain the financing needs of cooperatives and family farms by using the new information direct reporting system of agricultural business entities. Through the guarantee service of the national agricultural credit guarantee system, banks provide loans to business entities, creating a through-train model of "business entities directly report their needs, agricultural companies provide guarantees and bank credit support". Up to now, the through train activity of CCB has made its first landing in Beijing, Hebei, Zhejiang, Guangdong and Sichuan.

2. Beidahuang Agricultural Reclamation Group reached a strategic cooperation agreement.

On March 3, 20021KLOC-0/,China Construction Bank and Beidahuang Agricultural Reclamation Group Co., Ltd. held a signing ceremony of strategic cooperation agreement cloud. Wang Hao, vice president of the head office, and Yang Baolong, general manager of Beidahuang Group attended the signing ceremony.

Beidahuang Group is an important national commodity grain base and strategic grain reserve base with the largest cultivated land area, the highest degree of modernization and the strongest comprehensive production capacity in China. With the consent of the State Council, it is defined as "a commercial state-owned enterprise whose main business is in an important industry and key field related to national security and the lifeline of the national economy, and mainly undertakes major special tasks".

The two sides will lay a solid foundation for business cooperation, promote cooperation in the fields of modern agricultural industrial system construction, food safety production support, and agricultural digitalization construction, continuously deepen strategic cooperative relations, and form a strategy of jointly serving the countryside and boosting the high-quality development of agriculture, rural areas and farmers.

3. The Agriculture and Animal Husbandry Department of Inner Mongolia Autonomous Region signed a strategic cooperation agreement with Inner Mongolia Branch.

On April 30th, 20021,Inner Mongolia Branch and Agriculture and Animal Husbandry Department of the Autonomous Region signed a strategic cooperation agreement on financial services for rural revitalization. At present, the land transfer platform has been launched in 18 counties in the whole region, fully supporting the construction of the "digital agriculture and animal husbandry" platform in the autonomous region, accurately dripping financial living water into rural pastoral areas, and helping the autonomous region realize rural revitalization.

The Agriculture and Animal Husbandry Department of Inner Mongolia Autonomous Region fully recognized the land management right transfer platform, rural property right transaction service platform and foreign investment platform provided by China Construction Bank, and said that China Construction Bank has both scientific research strength and economic strength, and has certain practical experience, which has laid a solid foundation for the financial wings of the "three rural" work in the region. It is hoped that CCB will actively participate in the construction of a "digital agriculture and animal husbandry" platform and contribute CCB wisdom to the information construction of agriculture and animal husbandry in the whole region.

4. Guiyang Agricultural Investment Group creates an "expensive agricultural model"

Guizhou Branch applied the new financial concept to help Guiyang Agricultural Investment Group solve the pain and difficulty of the "last mile" of agricultural products from the land to the dining table. From the construction of vegetable base to the operation of logistics park to the vegetable basket of every household, the "expensive farming model" of "farmers are connected to fields and citizens are connected to thousands of households" has won unanimous praise from the government, enterprises, citizens and farmers.

5. "Business is good" and a special product pavilion is opened.

China Construction Bank explores and practices the new mode of "revitalizing rural e-commerce" and promotes the joint mode of "revitalizing rural areas and helping agriculture".

China Construction Bank cooperated with the Party, government and military organs, Federation of Industry and Commerce, Securities Regulatory Commission, central enterprises, universities, local state-owned enterprises, social organizations and other external institutions to build a poverty alleviation museum for central enterprises, and moved the sales of small commodities and agricultural products in poverty alleviation areas designated by central enterprises to the Internet. By May of 20021year, the transaction volume of "Shanrong Business" personal mall combined with poverty alleviation and agricultural development in that year had exceeded 40 million yuan.

China Construction Bank and China Women's Development Foundation jointly set up "Shanrong Business Mulan Pavilion", practiced the concept of "commonweal Internet" and innovatively launched charity shopping donation activities. Every time a customer buys a public welfare product, 3% of the order amount will be donated to the @ She Entrepreneurship Plan of China Women's Development Foundation, which will further increase the help and support for entrepreneurial women.