What are the development prospects of Yancheng Xianghai?

1. What are the development prospects of Yancheng Xianghai?

As a coastal city in eastern China, Yancheng is the central city of the Yangtze River Delta integration and the gateway to the sea for the Huaihe Ecological Economic Belt. It has the longest coastline, the largest coastal beach, the widest sea area and the largest sea area in Jiangsu. A vast development hinterland. The Yellow Sea Wetland has become China's first and only coastal wetland world natural heritage. It is known as the wetland capital and a world heritage resort. The elk, red-crowned crane and spoon-billed sandpiper are world-famous as the "three auspicious treasures of the wetland". The coastal area is the strategic focus of Jiangsu's "14th Five-Year Plan" development, and it is also where Yancheng's greatest potential and space for future development lies.

“Yancheng has created the first ‘ten-million-kilowatt new energy power generation city’ in the Yangtze River Delta region, with a proportion of new energy power supply reaching 50%, making it a ‘model city’ for energy green transformation.” Member of the Party Leadership Group and President of the National Energy Group Accountant Cai Anhui said that the 500,000-kilowatt offshore wind power jointly built in Yancheng by Guohua Investment Company, a subsidiary of China Energy Group, and EDF is China's first Sino-foreign joint venture offshore wind power project. After all are connected to the grid, it will be able to provide 1.4 billion kWh of clean electricity every year, which can meet the annual electricity needs of two million residents.

SK New Energy (Jiangsu) Co., Ltd. is the largest power battery investment project in the global layout of South Korea's SK Group. In January this year, the company officially achieved mass production and began batch shipments in April. The company's development has officially entered the "fast lane." "SK will focus on the Yancheng power battery production base to expand investment and build a battery industry cluster, thereby contributing to the development of Yancheng into a model city of new energy economy with the new energy power battery industry as the core." South Korea SKI Co., Ltd. General President Jin Jun said.

Green transformation "wind power" is unlimited

Yancheng has transformed the resource endowment given by the sea into a powerful driving force for economic and social development, and strives to explore a new coastal development that embraces the ocean and moves toward blue. path to create a blue economic growth pole with high quality and strong vitality. "Yancheng vigorously develops low-carbon industries, improves resource utilization efficiency, and shows new achievements in achieving the 'double carbon' goal." The guests at the meeting praised Yancheng's superior scenery resource conditions and complete energy industry supporting facilities.

Fou Kaide, Vice President of EDF, said that the construction of the 500,000-kilowatt offshore wind power project was very smooth, of which 300,000-kilowatt projects were all connected to the grid at the end of 2019, and the other 200,000-kilowatt projects will be connected to the grid before the end of this year. Generate electricity. Yancheng has abundant photovoltaic and wind power resources, and we hope to work with our partner China National Energy Group to further expand investment in Yancheng. "I feel very honored to be able to participate in China's '3060' goal!"

Goldwind Technology has built the group's most complete business functions in Yancheng, integrating manufacturing, R&D experiments, offshore international training, offshore services, and international exports. As an integrated large-scale offshore wind power base, the cumulative production units over the years have exceeded 14.15 million kilowatts, of which 4.81 million kilowatts have been exported to 29 countries on six continents around the world, driving 24 wind power industry chain companies to settle in Yancheng. Wu Gang, chairman of Goldwind Technology, said that Goldwind Technology will use its mature "carbon neutral" solutions to promote Yancheng to become China's largest wind power cluster, scientific research highland, innovation center and world-class offshore wind power training center, and to build it as soon as possible A new energy industry base and innovative development demonstration city with global visibility and industry influence.

Open cooperation to share the future

On the morning of May 18, the Human Horizons HiPhiX vehicle delivery ceremony was held at the Human Horizons Gaohe factory. As the departure gong rang, vehicles of Gaohe HiPhiX were transported to Gaohe delivery centers in Beijing, Shanghai, Guangzhou and other places? "It is expected that by the end of May, Gaohe experience stores, delivery centers, service centers and service outlets will increase to 85 "There will be 120 companies by the end of the year," said Ding Lei, chairman of Human Horizons Gaohe Automobile. Gaohe Automobile has conducted in-depth cooperation with State Grid, China Southern Power Grid, Telaidian, etc. on public charging pile projects across the country, covering 300 locations. There are 150,000 charging piles in multiple cities and major highway networks.

The "2021 Jiangsu New Energy Investment Forum" held on the afternoon of May 18th is the highlight of this year's series of events.

The forum aims to build a global exchange and cooperation platform in the field of new energy, jointly discuss the development trends and future opportunities of the new energy industry, share technological innovation and excellent practices, and jointly create a bright future for the green development of the new energy industry. "We are willing to work with Jiangsu Province, Yancheng City and all sectors of society to build a coastal port comprehensive energy demonstration base with an open mind, a cooperative pattern, and an innovative spirit." Executive Vice President of China National Offshore Oil Corporation, who participated in the event, Xia Qinglong, Secretary of the Party Committee and Chairman of CNOOC International, said.

▲The scene of the theme event "Promise to Explore World Heritage in Yancheng" held in Huanghai National Forest Park.

As a highlight of this year's "May 18" series of activities, on the morning of May 19, the "Promise to Explore World Heritage in Yancheng" theme event was held in Dongtai Huanghai National Forest Park, and the Yancheng World Heritage was released The three themed routes of exploration, refreshing water play and ecological health care were also awarded to the first batch of 20 "study travel bases" in Yancheng City.

One of the distinctive features of the “5·18” series of activities is the linkage between cities and counties. In addition to city activities, counties (cities, districts), Yancheng Economic and Technological Development Zone, Yannan High-tech Zone, etc. also held supporting exchange activities at the venue focusing on industrial positioning and development characteristics to expand the influence and effectiveness of the entire event. Among them, Yancheng Economic and Technological Development Zone held a new energy equipment and emerging industry investment environment promotion conference, and 18 industrial chain projects were signed; Dafeng District held a "Facing the Sea·Flowers Blooming in Dafeng" investment environment briefing conference, and concentrated signings 20 projects; the Yannan High-tech Zone Zunshen Technology flexible display module project has started construction with a total investment of 5 billion yuan?

Develop towards the sea and empower the future. The successful holding of China Yancheng Investment Environment Briefing and Red-crowned Crane International Wetland Eco-tourism Festival demonstrates Yancheng’s determination to develop towards the sea and promote green transformation, and demonstrates Yancheng’s efforts to build the coastal area into a green industry cluster, a coastal characteristic town belt and a beautiful ecological scenery belt. confidence.

2. The government allows poor households to borrow 100,000 yuan, and the money is given directly to the government. The government promises to give 4,000 yuan a year...

1. First, you must have a local poverty certificate.

2. Take the certificate to your local government for consultation.

3. It is usually handled at the local credit union (now renamed Rural Commercial Bank.)

3. Dafeng Rural Commercial Bank: Technology empowers the whole process service chain of small and micro credit

Editor's note: With the continuous development of my country's new rural construction and the continuous deepening of rural financial reform, rural commercial banks have great room for development in the field of rural finance by virtue of their institutional and geographical advantages. As the main body of the rural financial market, how can rural commercial banks expand their businesses, manage risks, give full play to their advantages, and make greater contributions to social and economic development? People's Daily Online focuses on Dafeng Rural Commercial Bank, interprets its development model, and explores the contemporary value of regional rural commercial banks.

At present, the development of financial technology has ushered in an important window period. How can rural commercial banks leverage technology to achieve overtaking in corners? Dafeng Rural Commercial Bank clearly realizes that technology is the only way for small and medium-sized banks to break through and provide inclusive small and micro financial services. It must make full use of data intelligence, mobile Internet and other technologies to reshape in all areas such as risk control, products, operations, and customer acquisition. A full-process value service chain for small and micro credit to achieve commercial sustainability of small and micro finance.

In 2015, Dafeng Rural Commercial Bank launched the credit product "Sunshine Credit" in the form of "iron footing" to extend credit to the entire village. How to conveniently use and maintain the small and micro customer resources accumulated by huge manpower? Dafeng Rural Commercial Bank has made effective exploration.

Tear down the “department wall” and create a new “intelligent service” system

In the era of digital economy, how to create a financial environment that is high in technology and close to the people, Dafeng Rural Commercial Bank has made a decision A lot of hard work. The bank quickly seized the opportunity and fully supported the bank's digital transformation. Since 2019, the bank has invested *** approximately 170 million yuan in technology software and hardware.

In planning the overall structure of the department, in order to highlight the important role of technology empowerment in the transformation of the banking industry, Dafeng Rural Commercial Bank established a Technology Information Department, which was divided into software development center, operation and maintenance according to the functional structure The management center and technology management center build a technological barrier at the back end.

At the same time, the bank has also established a product research and development department in the front-end retail business department to build a research and development team that understands both technology and products. "In layman's terms, the product research and development department is responsible for 'drawing drawings' as required, while the science and technology information department is responsible for 'building a house.'" Bian Yubin, deputy general manager of the science and technology information department, gave a vivid analogy.

“What we need to do is to build a bridge between front-end marketing personnel and back-end technology departments through agile transformation. Combining customer and business needs, use technology into practice. For example, a loan product, The front-end account manager gives us feedback, and we will make timely adjustments and submit it to the technology department. "Liu Laishan, general manager of the product research and development department, said that by setting up a product research and development department at the front-end and exporting scientific and technological talents to the front-end, we can avoid the back-end who do not understand the business and the front-end. Not understanding the technology makes the product more precise and attractive.

In addition to ensuring the operation of scientific and technological forces in terms of personnel and funds, Dafeng Rural Commercial Bank also pays special attention to the core element of innovation. The bank's customers and process nodes have digitized labels, and the product research and development department customizes credit products according to customers' actual conditions and needs.

Dafeng Rural Commercial Bank relies on government data, bank data and Internet data to obtain credit information, collect and determine customer portraits, and use big data background analysis to determine credit lines. This mature process now covers all loans below RMB 300,000 and enables online self-service processing for more than 90% of personal loans.

The "trading system" is the top priority in the construction of financial technology systems. To ensure the efficient operation of the trading system and improve the efficiency and standardization of business management, the construction of the "management system" is inseparable. As early as 2012, the bank began to develop a "process banking" system to integrate the management systems of all internal departments online to achieve maximum data sharing, standardized management, and simple processes, thereby improving the bank's internal approval efficiency.

The loan approval process has been placed on the Internet "highway", and customers no longer run here and there as before. For customers with incomplete or abnormal data, the "Process Bank" system can generate a list based on automatic analysis, improving the efficiency of account managers.

Going beyond the "iron counter" to establish a new idea of ??"easy loans, dare to lend"

Unlike joint-stock banks, which need to refer to customers' wages, social security, and provident funds when giving credit amounts, rural commercial banks have a large number of customers. Some are concentrated in rural areas, and the amount of credit cannot be considered according to the traditional model. Dafeng Rural Commercial Bank collects data such as the number of acres of farmland and the number of agricultural machinery in each village, adds the bank's credit system as new parameters, analyzes the portraits of credit customers, creates a data model, and provides a credit amount that meets the conditions.

Beginning in 2018, Dafeng Rural Commercial Bank relied on technological support to build "Sunshine Credit" into "Jinfeng e-Loan". Farmers can easily apply for loans online, from application to fund receipt, and finally It only takes 3 minutes.

For now, there is still a certain gap between rural commercial banks and some large banks in terms of financial network services, such as mobile banking, online banking, etc. Large banks have already seized the market due to their early development and high investment. Established a certain source of agricultural and commercial customers. For rural commercial banks, how to make up for the shortcomings of online banking business needs to be solved urgently.

Having the experience of “whole village credit extension” in rural areas, Dafeng Rural Commercial Bank realized that how to make it convenient for people to “loan” and dare to “loan” must rely on online to create a convenient and safe credit products.

Boss Zhang opened a store in Dafeng. Due to the impact of the epidemic, business turnover has been difficult. He remembered that his store had joined the "Dafeng Rural Commercial Bank e-Community", so he applied directly through his mobile phone. It only took 3 minutes to find out his loan limit of 150,000 yuan, and then followed the system prompts to get the urgently needed 100,000 yuan. The funds went to his Social Security card.

It has become more and more common knowledge among most customers to borrow loans without going to the counter or preparing too many materials. This is also the reason why Dafeng Rural Commercial Bank is customer-centric and improves financial services. One of the practical measures.

In order to make it easier for people to "loan", Dafeng Rural Commercial Bank leverages big data technology to create a new service model of "data credit rating, bank credit, and customer integrity", and integrates the pillar credit product "Sunshine Credit" "Evolved into "Jinfeng E-Loan", and successively launched online products such as "Jinfeng Suiyi Loan" and "Jinfeng E-Loan" to realize online application, review, approval and lending. At present, the bank has nearly 50,000 online business customers and a loan balance of 4.862 billion yuan. Among them, "Jinfeng Suiyidai" amounted to 1.8 billion yuan.

Credit and risk are twin brothers. How to minimize credit risk? In order to allow ordinary people to dare to "loan", while developing online credit, Dafeng Rural Commercial Bank also adheres to the bottom line of risk and improves risk control and case prevention capabilities through technological empowerment. "Through technological means, the system realizes real-time monitoring of internal data. We can predict changes in customer profiles in advance and avoid risks." Sheng Dongmei, head of the risk management and control department, said.

Build a "one body" to practice the new responsibility of "solve problems"

In recent years, Dafeng Rural Commercial Bank has adhered to the service concept of "customer-oriented" and focused on urban and rural customers. Demand, relying on the carrier function of social security cards, we are committed to creating inclusive financial services integrating "financial and social security life", truly doing good things to benefit the people, and doing practical things for the people, which has been widely praised by all walks of life.

Dafeng Rural Commercial Bank has a deep understanding of the financial network services of rural commercial banks. With the important purpose of facilitating the daily life of urban and rural customers, Dafeng Rural Commercial Bank has summarized the "flow" of mass customers into the "sea" of the urban and rural economy. . Focusing on the basic necessities, food, housing and transportation of local people, Dafeng Rural Commercial Bank vigorously develops scenario finance and builds an Internet financial platform to create a financial service ecosystem with regional characteristics. While improving the bank's ability to acquire customers, it also provides Dafeng residents and merchants with Provides more convenience.

When brick-and-mortar merchants encounter difficulties in operating due to market impact, they need to open marketing channels. Dafeng Rural Commercial Bank has established fast-moving goods marketing channels by developing WeChat applets and APPs to connect products with customers, allowing customers to obtain high-quality products at more convenient prices.

In Dafeng District, there is a "financial key" that helps residents unlock new experiences in food, clothing, housing and transportation. This is a social security card issued by the bank in Dafeng District. Its service scenarios cover medical care, education, and tourism. , transportation, campus and many other fields. At present, the bank has issued 726,000 social security cards as an agent, achieving full coverage for urban and rural residents.

Having channels closely related to urban and rural customers, Dafeng Rural Commercial Bank actively fulfills its social responsibilities, connects with the National Health Commission, Medical Insurance Bureau and other units, increases capital investment, and in-depth cooperation with hospitals at all levels in Dafeng . It is reported that Dafeng Rural Commercial Bank invested more than 10 million yuan to install code scanning equipment in 140 designated medical insurance units. "For rural commercial banks, they must not only provide financial services to customers, but also use resources to solve customers' problems." said Zong Mu, general manager of the network channel department of Dafeng Rural Commercial Bank.