Build a platform, innovate products and send special personnel to the village. Postal savings bank Anhui Branch - serve attentively and help rural revitalization
2022-05-12
Some time ago, the land contracted by sun Xinxin, a large grower in Si county, Suzhou City, Anhui Province, was busy. Positioning measurement, drilling and pile embedding, assembly of scaffolding, welding and reinforcement, 65 workers are rushing to work. "According to this progress, it should be no problem to put it into use on schedule." Looking at the 50 greenhouses gradually forming in front of him, sun sun smiled happily. Build a platform to improve work efficiency Last year, the market of Agaricus bisporus was quite good. The annual output value of 100 greenhouses in the sun family reached 35 million yuan. This also gave him an idea: expand the planting scale. Contracted 72 mu of new land and invited workers to level it. Seeing that the shed was going to be built, sun sun was not happy. "When I carefully sum up, I find that I don't have enough money on hand. How can I fill in the 'hole' of 1.5 million yuan?" In order to raise all the funds, sun did not think less: "there is no real estate that can be mortgaged, it is difficult to find someone to guarantee, and it is difficult to borrow if you want to borrow." At this time, the staff of the Sixian sub branch of the postal savings bank came to the door. "This time, thanks to the 'post and cloud link' to solve my urgent need, I don't have to worry about finding guarantee measures for loans in the future." The "postal danyuntong" in sun's mouth is a full process online cooperation platform jointly launched by the postal savings bank of China Anhui branch and Anhui Agricultural Credit Financing Guarantee Co., Ltd., which was officially launched in December last year. "The agricultural insurance company and the bank carried out the credit process. At the same time, the two sides realized the online interaction of relevant data, exempted the offline transmission of materials, and greatly improved the work efficiency." Introduced by Xing Lele, customer manager of Sixian sub branch. "Scan the code, fill in and submit it for review. The loan will be in place in less than a week, not to mention how convenient it is." Sun sun said that before applying for loans, we had to prepare various materials. The procedures were cumbersome and the process was slow. "Post danyuntong" has not only been recognized by sun sun. The data show that since its opening, Anhui Branch of postal savings bank has provided 824 million yuan of Microfinance Support to 1697 agriculture related subjects through the platform. Innovative products and escort characteristic industries Cleaning, overhauling machines, adding new machines, buying packaging... Cai Yunfeng, head of Lu'an Yu'an District Xiaoye melon slice professional cooperative, is very busy these days. "It's not because you have enough energy in your heart that you have so much energy." Cai Yunfeng said. Where does Cai Yunfeng's confidence come from? It turned out that in September last year, he submitted a loan application to Lu'an branch of postal savings bank and successfully approved a "spring tea loan" of 300000 yuan. "Not only have the funds for packaging and procurement, but now there is no need to worry about the money for adding new machines." In recent years, institutions at all levels of Anhui Branch of postal savings bank have actively given play to the advantages of being rooted in the countryside, innovated and optimized products and services according to the idea of "one county, one industry and one product", and developed a number of local "first" products. Spring tea loan is one of them. In February 2021, combined with the capital needs of business entities in all links of the city's tea industry chain, Lu'an branch of the postal savings bank launched the "spring tea loan" business. According to Liu Caihong, product manager of Lu'an branch, there is a quota immediately after the business application; You can borrow it at any time and return it at any time. At first, Cai Yunfeng didn't believe in such good things. Later, on the recommendation of his friends, he submitted a loan application. "That's what I found. It's fast and convenient. The key interest rate is preferential, which can reduce a lot of interest!" Cai Yunfeng said. At the end of last year, Cai Yunfeng proposed to the Lu'an branch of the postal savings bank to increase the existing quota of 300000 yuan to 600000 yuan. "After the approval, the acquisition of new tea will be guaranteed again. We need to get rid of our arms and do a big job." Specialists go to the village to meet the needs of farmers On September 3 last year, in the golden autumn, the rice fields in Xianglian village, sankou Town, Huangshan District, Huangshan City were golden. This morning, Wei Liangfu, the head of Liangfu family farm, was about to go out to work when he received a call from the village cadre. "The marketing specialist of the postal savings bank will visit to see if my family has relevant needs." Wei Liangfu recalled that he proposed to apply for a loan and hoped to broaden the sales channels of products. A few days after the visit, marketing specialist sun Qiang came again and brought their credit account manager. Accept loans, collect data, investigate and verify, sign contracts and issue, and sun Qiang and the customer manager visit two or three times before and after. On the 27th of that month, Wei Liangfu spent the first 300000 yuan loan. "In addition to providing loans, they also contacted Huangshan Post Branch. Last year, they helped me sell more than 500000 yuan of agricultural products and gave me a lot of discounts on mailing expenses." Wei Liangfu's words were full of gratitude. In August 2021, Huangshan branch of Postal Savings Bank of China, together with Huangshan Post Branch, established an integrated village service mechanism of "market specialist + special class for benefiting farmers". 31 townships were selected as the pilot areas in the first batch, then expanded to 40, and 45 market specialists dominated by branch (bank) heads were selected. "We visit each village for at least two and a half days a week to understand the needs of farmers." According to sun Qiang, Huinong special class formulates targeted solutions according to the demand list sorted out by them, and coordinates the counterpart development and follow-up of various professional sectors of postal savings. By the end of 2021, the city's market commissioner had organized 105 various rural publicity activities, granted credit to 1029 households and issued loans of nearly 320 million yuan, effectively driving the income increase of many farmers' cooperatives, more than 2000 cooperative members and nearly 100000 farmers in surrounding areas. (outlook new era)
Edit：sishi Responsible editor：xingyong
Source：http://paper.people.com.cn/rmrb/html/
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