Draw a new picture of beautiful countryside

Xiangtan Rural Commercial Bank took root in the fertile soil of "agriculture, countryside and farmers" and painted a new picture of beautiful countryside.

As a local bank, in recent years, Xiangtan Rural Commercial Bank has adhered to the initial intention of "supporting agriculture and supporting small businesses", focused on the financing needs of "agriculture, rural areas and farmers", actively established a cooperation mechanism between banks and villages, focused on innovative products and services, accelerated the empowerment of financial technology, and continuously introduced financial resources into the fields of "agriculture, rural areas and farmers" and the real economy, so as to promote rural beauty, strong agriculture and rich farmers. By the end of April, the bank's balance of agricultural loans was 6.624 billion yuan, accounting for 42.5 1%.

Visit thousands of households and build a bridge of "heart to heart" for agriculture, rural areas and farmers.

Supporting agriculture and supporting small businesses is the foundation of rural commercial banks and the mission of the main force of rural finance. Xiangtan Rural Commercial Bank, guided by Party building, explores the service mode of "Party building+finance", signs cooperation agreements with administrative villages (communities) under its jurisdiction, appoints "financial village officials", defines financial organizers and financial liaison officers, and establishes a "silver village" construction mode of "branch cooperation and party member mutual assistance".

Hunan Mushroom Agriculture Development Co., Ltd., located in yuhu district Jiangshe Modern Agriculture Demonstration Park, is an agricultural enterprise mainly producing rare edible fungi and the first demonstration base of 5G smart agriculture in Hunan Province. In 2020, the company just started to develop smart agriculture, and it needs to expand standardized factories, so the funds have become a problem. After the staff of Xiangtan Rural Commercial Bank learned about the financing difficulties of enterprises during their visit, they opened up a green channel, specially organized branches to study financial service schemes, and issued 3 million yuan of credit loans to enterprises in time, thus ensuring the application of 5G technology in enterprises. The yield of black termites increased by 20% and the rate of superior products increased by 30%. At present, the company's black termite production capacity has accounted for more than 30% of the domestic market, with an annual output value of more than 20 million yuan.

With the deepening of the visit, the living water of finance continues to flow to the fields of agriculture, rural areas and farmers, and the diversified financial needs in rural areas are greatly met. By the end of April, the bank had completed 146 village credits, with a total of 59,600 visits and 33,400 rating credits, with a credit amount exceeding 500 million yuan.

Innovating financial products and running out of the "acceleration" of rural revitalization

Innovating financial products to meet the financial needs of modern agriculture and rural areas is a powerful "magic weapon" for financial empowerment and rural revitalization. Xiangtan Rural Commercial Bank deeply understands the characteristics and difficulties of agricultural production capital demand, vigorously innovates products and services, and strives to solve the "bottleneck" problems such as high agricultural production risk and insufficient mortgage of farmers.

Xiangtan Shima Aquaculture Farmers' Professional Cooperative is a farm house integrating planting, breeding, fishing, entertainment and leisure, covering an area of about 100 mu. In the early stage of the project, nearly 2 million yuan was invested to build roads, railings, sheepfolds, cowsheds and fish ponds, which led to a temporary shortage of capital chain. Xiangtan Rural Commercial Bank made a door-to-door investigation as soon as it learned about the cooperative's capital demand, and recommended "micro-credit loans for supporting agriculture" according to the cooperative's operation. In just 1 day, a small credit loan of 300,000 yuan went to the account of the cooperative, which greatly eased the operating pressure of the cooperative and enabled the project to continue to advance. Micro-credit loans are welcomed by farmers and small and micro-business owners because of their unsecured, low interest rate and low repayment pressure.

In recent years, the bank has successively launched more than one agricultural credit product 10, such as "micro-credit loan", "agricultural e-loan" and "Fuxiang rural revitalization card", involving agricultural production, circulation, processing and other links, providing all-round credit support for agriculture, rural areas and farmers. In addition, the bank also actively promotes "Fu Xiang E Pay" to facilitate the collection, transfer and settlement of agricultural business entities, which has brought them tangible convenience.

Optimize the layout of outlets and open up a "happy road" for convenient service

In order to get through the "last mile" of financial services, Xiangtan Rural Commercial Bank not only set up business outlets in Jiangshe Town, Nanzhushan Town, Heling Town and other places in the suburbs, but also built 59 "Fuxiang E-Station" financial service positions in the financial service blank villages under its jurisdiction, making it convenient for villagers to handle business such as transfer, payment of social security, medical insurance, electricity fee and account inquiry nearby, thus realizing "basic financial services do not leave the village".

Satellite Village in yuhu district Great Wall Township is located in the urban-rural fringe, so it is inconvenient for villagers to travel, especially for some elderly people who need to ride bicycles or walk to bank outlets several kilometers away in order to pay social security and electricity bills, which is time-consuming, laborious and unsafe. Upon learning of this incident, the staff of Xiangtan Rural Commercial Bank went deep into the village for many times to make a thorough investigation and site selection, set out to build "Fuxiang E Station", and sent financial service specialists to the site every week for follow-up inspection and business presentation, so as to promote the two-way integration of rural revitalization and inclusive finance. At the same time, take the village general party membership meeting and villagers' assembly as an opportunity to publicize financial knowledge, popularize financial knowledge such as RMB, anti-money laundering and prevention of telecom fraud, and effectively improve villagers' awareness of financial risk prevention.

By the end of April, the bank's 59 "Fuxiang e-stations" had handled a total of 1 1.500 transactions, amounting to 3,464,800 yuan. The full coverage of inclusive credit services has effectively solved the problems of difficult and expensive loans for agriculture, rural areas and farmers, further met the capital needs of farmers and various business entities to develop industries, and provided strong financial support for the prosperity of rural industries.

Broaden financing channels and drive into the "fast lane" of rural revitalization

Xiangtan Rural Commercial Bank pays attention to the innovation of financing methods and constantly improves the sense of financing acquisition and satisfaction of SMEs. Signed a strategic cooperation agreement with yuhu district and Yuetang District on financial services for rural revitalization, signed a cooperation agreement with the Provincial Agricultural Bank and the municipal enterprise financing guarantee company to support the development of agriculture, rural areas and farmers, actively applied for policy tools such as supporting agriculture and supporting small loans, and gathered various forces to support agriculture. By the end of April, the bank had invested a total of 654.38+0.47 billion yuan in agricultural guarantee loans and applied for 706 million yuan in small loans to support agriculture, which continued to provide farmers and new agricultural subjects with a steady stream of financial living water.

In addition, the bank also invested financial resources in key areas and weak links such as green finance, new citizens and poverty alleviation, and invested 927 million yuan in clean energy, energy conservation and environmental protection, circular economy and other fields to support the development of green environmental protection enterprises such as urban sewage treatment plants and Thornton New Energy; Lend 560 million yuan to new citizens to meet their financial needs such as buying houses, starting businesses and providing for the aged; A total of12.449 million yuan was put into poverty alleviation loans, which helped 538 poor households get rid of poverty.

Behind the rural revitalization, it is inseparable from the moisture of financial living water. In the next stage, Xiangtan Rural Commercial Bank will be guided by party building, based on serving "agriculture, rural areas and farmers" and aiming at rural revitalization, and will continue to carry out in-depth visits and docking around key areas, innovate credit support methods, increase financial support for rural areas, and contribute to rural revitalization.