In order to achieve the goals of prosperous agricultural industry, affluent farmers' lives and ecologically livable rural areas, X Union always adheres to the unshakable market positioning of "agriculture", "smallness" and "X", takes root in rural areas and serves local areas, and makes every effort to become a rural revitalization host bank that is closer to the masses, more practical in business and faster in service. As of XX, the balance of agricultural loans of X Associated Press was XX billion yuan, an increase of XX billion yuan over the beginning of the year; The balance of Pratt & Whitney agriculture-related loans was XX billion yuan, with a growth rate of XX%, which was higher than the growth rate of various loans by XX percentage points. XX percentage points. The balance of loans for small and micro enterprises was XX billion yuan, an increase of XX billion yuan over the beginning of the year; The loan balance of Pratt & Whitney small and micro enterprises was X.XX billion yuan, an increase of X.XX billion yuan over the beginning of the year, with a growth rate of XX. XX%, which is xx percentage points higher than the growth rate of various loans. XX percentage points.
Focus on industrial prosperity and serve the development of the real economy. The first is to formulate the work plan of the special action of "lending small enterprises to serve people's livelihood" by X Associated Press. Taking agriculture-related small and micro enterprises as the main service body, credit funds are given priority, and XX outlets of credit business go deep into fields, breeding bases, enterprise farms, industrial parks, etc. Conduct on-the-spot investigation, get close to customers to understand financial needs, and inject financial living water into the expansion and reproduction of the real economy. The second is to innovate credit products. Based on "agricultural loan treasure" and "commercial loan treasure", relying on credit loan products such as "credit easy loan" and "auspicious easy loan", and aiming at meeting customers' needs, we have successively launched "autumn easy loan" in Huangdianzhuang fox breeding area, "vegetable loan" in Xinji vegetable planting area and "commercial loan" in Hesheng industrial park. While increasing demand, in order to solve the lack of effective loans, For individual industrial and commercial credit cooperatives, small and micro enterprise owners and small and micro enterprises that can't provide effective mortgage guarantee, the combined credit model of "personal loan+enterprise guarantee" was introduced, which eased the financing dilemma of customers' difficulty in guaranteeing and borrowing. The third is to optimize the credit business process. In view of the characteristics of short, small, frequent and urgent capital demand of small and micro enterprises, the Notice of X Associated Press on Defining the Approval Authority of Loans was formulated, which decentralized the approval authority of new loans of XX million yuan or less to grass-roots outlets, reduced the approval process, and set the time limit for handling credit procedures according to the actual situation, so as to improve the efficiency of lending and service and enhance customer satisfaction. The fourth is to reduce the burden of free preferential interest. Formulate the Notice of X Associated Press on Reducing the Payment of Small and Micro Enterprises and Individual Industrial and Commercial Households, and reduce the XX month account opening fee of XXX yuan, the enterprise transfer and remittance fee of XXX yuan and the cheque fee of XXXX yuan. Formulate the X-Alliance interest rate pricing method and the small mortgage interest rate preferential activity plan, and reduce the loan interest rate of aquaculture, flour, medicine and other wholesale and retail industries by X.X percentage points. For revolving loans with credit for more than X years, if customers use them for less than X years at a time, they can implement them according to the interest rate level within X years, so as to reduce the pressure on customers to pay interest and create a long-term win-win cooperative relationship. By the end of XX, XX had been saved. XX enterprise x ten thousand yuan.
Pay attention to rural civilization and help revitalize rural culture. First, with the "whole village credit" as the starting point, we will carry out "double basics" and "looking back" activities in the whole jurisdiction to create a rural culture with integrity as the core, help the construction of rural civilized credit projects, and continuously improve the ideological and moral level and financial and cultural literacy of ordinary people. Second, strengthen cooperation with the government, successfully sign a comprehensive strategic cooperation agreement for X County Agricultural and Rural Bureau to implement rural revitalization strategy and financial support, take the initiative to dock with the tax bureau, Agricultural and Rural Bureau and other departments to obtain a list of high-quality customers, and conduct timely research, rating and credit granting according to the principle of wall chart operation. Form a vanguard with village committees and credit personnel as the core, actively preach the concept and economic significance of village credit, loan rating and credit granting, loan application process to local villagers, and strive to make the concept of village credit "a household name"; Visit village by village, collect information door by door, make every effort to achieve full credit coverage of white-listed customers in villages, steadily promote the establishment of credit towns, credit villages and credit users, and enhance the credit awareness of ordinary people. Third, based on the working concepts of "business follows farmers, service revolves around farmers", "one village, one policy" and "one line, one policy", the whole village credit is closely integrated with inclusive finance, and the filing form and rating credit are carried out at different levels according to the bank production cycle and industrial characteristics of regional characteristic business entities such as vegetable wholesale buyers, feed dealers, planting and breeding brokers, aquatic product breeding and processing enterprises, wine brewing, etc. According to the actual operating conditions and capital needs of customers, we will provide credit services of "one-time credit granting, loan repayment and recycling" to meet the financial needs of rural residents to create a better life and create an honest, civilized, harmonious and happy livable environment. By the end of XX, X credit townships, X credit parks and XXX credit villages had been assessed, and farmers visited XXXX households, assessed XXXX households and granted credit to XXXX households with a credit amount of XX billion yuan.
Focus on spiritual prosperity and promote the spread of financial knowledge. First, it focuses on credit policy, credit investigation, payment and settlement, deposit insurance, bank card security, information security, anti-money laundering, prevention of telecom fraud and prevention of illegal fund-raising. , to carry out financial knowledge publicity activities of "improving public financial literacy and creating a clear financial network environment", to send financial knowledge to villagers and inclusive finance products to farmers in X County, and to actively create a strong atmosphere of "learning, understanding and using finance". The second is to combine the promotion of offline business outlets with the promotion of online WeChat official accounts, spread them in three dimensions, and strengthen the popularization of the public. Carry out outdoor publicity activities by hanging publicity banners, posting publicity display boards and setting up information desks. With vivid case videos, we will focus on "one old and one young", remind the elderly to beware of "four types" scams, guide teenagers to spend rationally, enrich their financial knowledge reserves, let the general public learn and use financial knowledge to protect themselves, and enhance their sense of acquisition, happiness and security. Third, seize the favorable opportunity of financial knowledge, financial policies for benefiting farmers and the promotion of credit products for agriculture, rural areas and farmers, and further promote the construction of the "national comprehensive credit service platform for SME financing" to create an intelligent and credible credit financing service ecosystem for SMEs and smooth the virtuous circle between the financial system and the real economy. At present, the platform has successfully handled X loans with an amount of XXXX million yuan. This year, X Associated Press has carried out the theme activity of financial knowledge going to the countryside for XX times, posted more than XXX posters, distributed more than XXXXX leaflets, and received more than XXXXX consultations from the masses, covering more than XXXXX people, driving the growth of deposits and loans by more than XX%.
Second,
In order to further implement the requirements of the rural revitalization strategy and actively practice the responsibility of inclusive finance, since this year, X, the Rural Credit Cooperative Development Project of Rural Commercial Bank has set up a inclusive finance Liaison Officer to provide centralized credit to the villagers in cooperation with the two village committees and in combination with the employment work in villages and towns. The activity team was established in the mode of department+sub-branch, led by the leading group, and formed a joint service team with the resident liaison officers. They entered the village in the way of "X+X" and "White+Black", and carried out the "Party Building Leading+Double Basic * * *" project in the whole jurisdiction to help rural revitalization, and comprehensively promoted the "Double Basic * * *" rural credit project to achieve solid results, playing the strongest voice of rural revitalization. Tap the advantages of "party building" and stimulate the joint efforts of "whole village credit".