Industrial consumption Financial innovation "lending to the countryside" mode and multiple measures to boost rural revitalization
2023-06-12
In February of this year, as the 20th "Central No.1" document guiding the work of agriculture, rural areas, and farmers since the 21st century, the "Opinions of the Central Committee of the Communist Party of China and the State Council on Doing a Good Job in the Key Work of Comprehensively Promoting Rural Revitalization in 2023" was released, emphasizing the enhancement of the endogenous development momentum of poverty-stricken areas and people, taking increasing the income of poverty-stricken people as the fundamental requirement, promoting the accelerated development of poverty-stricken counties as the main direction of attack, paying more attention to supporting aspirations and intelligence, and focusing on industrial employment, Continuously narrowing income and development gaps. Through financial empowerment, we can improve the consumption ability of low - and middle-income people, narrow the income gap, and promote Common prosperity. Rural areas are fields full of hope and fertile ground for financial development. In recent years, Industrial Consumer Finance has adhered to the coordinated promotion of online and offline, constantly expanded the coverage of financial services, delivered Financial inclusion services to Tianchou Woye, one-stop meeting farmers' demand for financial services, helped improve farmers' family living standards, stimulated rural consumption potential, and added new impetus to rural revitalization. When the loan was sent to the countryside, Financial inclusion sent the loan to the village. "It's great! The decoration can start soon!" Mr. Chen, who lives in Deshang Village, Nanpu Town, Quangang District, is engaged in cement distribution. He has just paid his son the down payment for the city's wedding house, but the ensuing decoration and wedding celebration are still a lot of expenses, which makes Mr. Chen's family very worried. Under the leadership of the village committee, Mr. Chen learned about the "family consumption loan" of Xingye Consumer Finance and felt that it was very suitable for his needs. Xiao Wang, the customer manager who contacted the village committee in person, immediately came to Mr. Chen's doorstep to handle the matter. Xiao Wang recalled, "Mr. Chen is not good at operating smartphones and is also quite worried about online financial software. He is worried about the lack of formal loan channels. During a chat with his family, he learned that they all support this loan and their work and operation are relatively normal. In addition, Mr. Chen has good credit records, and the company approved 150000 yuan." Mr. Chen said that he did not expect the loan to arrive on the same day, especially quickly. Mr. Chen's case is a microcosm of Xingye Consumer Finance's ability to deliver loans to customers through offline direct sales teams, penetrate into county and township areas, and finely serve rural consumer demand. The person in charge of the Quanzhou Business Unit of Industrial Consumer Finance introduced that unlike traditional bank fixed branch services, the direct sales team is more flexible and convenient. After the preliminary investigation of the real economy of the counties in the suburb of Quanzhou, the Business Department took the lead in targeting the Shanyao Street and Nanpu Town in Quangang District where the private economy is relatively active, establishing contact with the streets and village headquarters where the business is concentrated, and actively introducing the advantages of the company's "household consumption loan", which is pure credit, unsecured, door-to-door service, convenient procedures, and one day loan approval, to meet the needs of individual businesses The funding gap for self-employed individuals in terms of consumption. We have learned that there are over 15000 individual small merchants in streets like Shanyao, who generally do not have fixed assets, have high income fluctuations, and have limited cash reserves, making it difficult to enjoy traditional financial services. Therefore, in February of this year, Xingye Consumer Finance established a rural service special group, designated customer managers to specifically connect with them, and established daily contact WeChat groups, striving to achieve the goal of "villagers have needs, we have actions", Provide financial support to support the combustion of commercial fireworks in counties and townships. In Xuzhou, Jiangsu
Edit：Hou Wenzhe Responsible editor：WeiZe
Source：XinhuaNet
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