Jinsui Huinong Card is a comprehensive bank card product developed by Agricultural Bank of China based on Jinsui debit card business platform and issued to all farmers. As one of the debit card products, Huinong Card has basic financial functions such as cash deposit and withdrawal, transfer settlement, consumption, wealth management, online operation and real-time entry.
Safe passage of capital exchange
On the basis of traditional bank card payment and settlement function, Agricultural Bank of China has strengthened the fund exchange function of Huinong Card, providing convenient payment and settlement services for farmers to go out to work, buy production materials and sell agricultural products. Huinong card holders can rely on the Huinong card account and the network advantage of centralized data of the whole bank of Agricultural Bank of China to complete the fund transfer in real time through self-service equipment such as Agricultural Bank outlets and ATMs and emerging payment channels, with or without cards. Compared with its peers, ABC has more channels and more flexible ways to exchange funds.
A clear reflection of the account situation
In order to meet the actual needs of cardholders to intuitively understand the changes in the funds of Huinong Card, China Agricultural Bank took the lead in launching the transaction details discount function in the rural market. Card-issuing outlets issue transaction details discounts according to the application of the host card holder, and the cardholder can make up the discount with the transaction details discounts to self-service equipment such as Agricultural Bank outlets or discount machines, so as to know the transaction details and balance of the card account in a timely and clear manner. Transaction details discount does not have financial transaction function.
Social insurance participation certificate
Agricultural Bank of China took the lead in signing cooperation agreements with rural social insurance management institutions such as the new rural insurance and the new rural cooperative medical system, providing cardholders with multiple service functions of the new rural insurance and the new rural cooperative medical system. Even in different places, cardholders can easily complete many services such as premium payment, pension payment, cooperative medical care identification, cooperative medical care expenses and medical expenses payment, and medical expenses reimbursement. Therefore, it is convenient for Huinong cardholders to join and enjoy various social insurances, reduce the cost of premium collection, and improve the management efficiency of insurance information by relevant government departments.
Direct channels of financial subsidies
First, the Agricultural Bank of China signed an agency agreement with the financial departments of governments at all levels, and then directly distributed the corresponding subsidies to each benefit card account according to the list and amount of financial subsidies provided by government departments, so that farmers could directly benefit from the government's financial policy of benefiting farmers at the first time, avoiding the time consumption caused by the allocation of funds at different levels and greatly reducing the cost of financial subsidies.
Collect and remit water, electricity, gas and communication fees.
The collection and payment service of rural public utilities is an agency agreement signed between Agricultural Bank of China and public institutions, which allows cardholders to easily pay water, electricity, gas and communication fees. There are two ways: batch withholding and individual payment, in which individual payment can be completed through various channels such as counters, telephone banking, online banking and self-service machines.
The Carrier Function of Farmers' Microfinance
Micro-loan for farmers is a loan issued by Agricultural Bank of China to meet the financing needs of farmers to maintain basic production and solve the problem of loan difficulties for small and medium-sized farmers. It has the characteristics of wide loan coverage, flexible use, wide loan use, low entry threshold, flexible guarantee method and simple and fast loan procedures, which really helps farmers solve the problem of "difficult loan". It is estimated that in the next 10 year, ABC will issue farmer cards to more than one million farmers in the whole city10, and provide 20 billion yuan of small loans.
As the carrier of farmers' small loans, Jinsui Huinong Card has its unique advantage in realizing the self-help and recycling of farmers' small loans with its powerful functions. Once farmers have obtained the credit line, they can use the Huinong card to handle the lending, use and repayment of farmers' small loans at outlets or through self-service equipment (online banking can also be used in areas where conditions permit), without the need for farmers to go through various procedures at outlets repeatedly, thus realizing one-time credit granting, recovery and repayment of farmers' small loans, significantly improving the efficiency of loan use and implementing the policy of benefiting farmers.
Another major feature of Huinong Card is the establishment of a special sub-account for farmers' small loans. At the time of lending, Pratt & Whitney loans are respectively transferred into Huinong card account and special sub-account for Pratt & Whitney loans according to the agreed proportion. The funds in the special sub-account for Pratt & Whitney loan lending are only used by special merchants designated in the province to repay Pratt & Whitney loans. This setting ensures that the inclusive loan funds are mainly used for the designated purposes of loans such as agricultural production, prevents the credit risk of loans, and provides a guarantee for the safety of loan funds.
Cardholder farmers whose family income is above the middle level (the annual per capita income of the family is not lower than the per capita income of farmers in the county where they are located) can apply for short-term credit loans of less than 5,000 yuan without any guarantee. Cardholder farmers can apply for a secured loan credit line of 3,000 to 30,000 yuan through "three-household joint guarantee" or mortgage or pledge guarantee, and the credit period is 1 to 3 years. Farmers only need to fill in the relevant information at the Agricultural Bank outlets to apply for loans conveniently. After the application materials are complete, the old customer will get the loan or credit line within 2 working days and the new customer will get 5 working days. With the advantages of ABC's capital and network, the loan interest rate of small farmers is lower than the average interest rate of the local rural market.
Preferential charges for financial services of Huinong Card
In order to better achieve the goal of serving agriculture, rural areas and farmers and effectively reduce the cost of farmers' credit cards, China Agricultural Bank implements the following preferential policies for financial service charges of Huinong cards:
1. The small account service fee for Huinong card account is free;
2. Exempt from the main card and transaction details of Huinong Card;
3. The annual fee for the main card of Huinong Card will be halved;
4. When handling the withdrawal business in rural credit cooperatives, preferential transaction fees shall be implemented in accordance with the charging standards for special services of migrant workers' bank cards of the People's Bank of China.
Please consult the Agricultural Bank outlets or call the 24-hour service hotline 95599 for the specific handling of Jinsui Huinong Card and farmers' microfinance.
Huinong Kaka number rules:
The number of Huinong Kaka starts with 62284 1 and its length is 19 digits.