02 1 No.1 document of the Central Committee proposed to comprehensively promote rural revitalization and accelerate agricultural and rural modernization. Rural revitalization is an important strategy to build a well-off society in an all-round way and a socialist modern power in an all-round way. Rural revitalization can not be separated from rural economic development, which is manifested in the small and scattered economic entities, the small and scattered number of economic entities, the weak ability to resist risks, the difficulty in obtaining financial information of small and micro enterprises in agriculture, rural areas and farmers, and the late start of the construction of personal credit information system related to agriculture, which makes the customers of agriculture, rural areas and farmers flinch in front of banks.
Jiuyin Village Bank knows that its roots are in the countryside, and its customers are precisely these farmers and small and micro enterprise owners who have difficulty in lending. Only by giving them blood transfusion and hematopoiesis can the rural economy flourish and the rural revitalization be realized.
Set up a financial service station and stay in the village.
In order to solve the problem of information asymmetry in rural environment, Jiuyin Rural Bank draws lessons from the government's precise poverty alleviation model and gradually sets up files for farmers and small and micro owners. Through the way of group portraits, we can understand the family and marriage, private financing, business sales, judicial disputes and other information of each rural customer, and implement the concept of "acquaintance bank" for customers with credit needs.
The ideal is full, but the reality is very skinny. Account managers who come to handle cards often "close the door" and collect little information. Under the guidance of Jiujiang Bank's Village Bank Management Headquarters, Jiuyin Village Bank actively learned from outstanding peers, resumed its business focus and set up rural revitalization financial service stations in village committees and town governments in combination with the economic characteristics of the place where the institution is located.
The service station has not only narrowed the physical distance from the villagers, but also narrowed the psychological distance from the villagers. Jiuyin rural bank has fully exerted its popularity and geographical advantages close to the countryside and farmers. Relying on the financial service station, the account manager keeps close contact with the village committee by volunteering to serve the village group, sending knowledge, services and products, and becomes a member of the village and an "honorary villager" by visiting hundreds of households, asking hundreds of questions and solving hundreds of difficulties. This kind of "paving the way and bridging the bridge" makes the work of setting up a file and establishing a card come naturally. After staying in the village, the service station constantly optimizes the service according to the actual difficulties of the villagers, from the "last mile" to the "last meter" of finance.
By the end of 20021and1,Jiuyin Rural Bank had set up 44 rural revitalization financial service stations, serving 520 villages in 63 townships in 17 counties (cities) and issuing various loans of 787 million yuan.
Innovate financial products to help agriculture.
Faced with the problems of lack of collateral, credit record and difficulty in obtaining loans in the fields of agriculture, rural areas and farmers, Jiuyin Rural Bank, based on the information of filing and establishing cards, has done a good job in fine stratification and precise marketing of customers, matched products for different customer groups, realized differentiated services, and fully met the financing needs of all kinds of customers, and launched the public loan products-farmers' loans and professional financial products-New Agriculture, Rural Areas and Farmers.
Farmers borrow money to bring wealth to farmers.
At the beginning of 2020, Jiuyin Rural Bank launched a popular financial product-"Agricultural Loan", which is a graded characteristic financial product. This product converts the customer's information of filing and card building into scores, and then determines the customer's pre-credit line, which mainly meets the customer's business and consumer loan needs. This product is used for micro-credit loans with family credit less than 654.38+10,000 yuan. Innovate risk prevention and control measures according to the characteristics of farmers' groups, evaluate assets, liabilities and cash income of customers with loan needs, convert the results into credit scores of customers, and determine their "repayment ability"; Determine the customer's "willingness to repay" through the comprehensive evaluation of the village Committee, so as to determine the credit line of the credit-granted family and do a good job of "knowing your customer". By fully grasping the characteristics of rural customers, we can solve the problem of rural information asymmetry and effectively meet different types of financial needs in rural areas.
Wang, a farmer in Tutang Town, duchang county, Jiujiang City, Jiangxi Province, lives by growing crops and selling them to vegetable vendors and vendors. The sudden epidemic prevented him from going out to sell, resulting in a serious shortage of funds. As an ordinary farmer, Wang doesn't have any high-quality collateral, only his own rural self-built house. Just when he was at a loss, the account manager of the rural revitalization financial service station of Jiuyin Village Bank took the initiative to come to the door to understand the situation after learning of its difficulties, and recommended the "farmer loan" to Wang according to his needs. Wang, who got the loan, smiled for a long time, shook the hand of the account manager and said excitedly, "I didn't expect that I, a farmer without a house or a car, could get the loan." Thanks to our Jiuyin Village Bank! "
The customer king of Duchang Jiuyin Village Bank is just a microcosm of many "agricultural loan" customers of Jiuyin Village Bank. By the end of 20021and 2002 1 1, Jiuyin Rural Bank had issued 4 180 "agricultural loans", with a loan of 376 million yuan and a balance of 2160,000 yuan, with an average loan of only 79,400 yuan.
New agriculture, new countryside, new farmers and prosperous industry.
In addition to developing mass financial products, Jiuyin Rural Bank also adapts to local conditions, takes root in local areas, deeply understands local agricultural and sideline products and characteristic industries, and tailors professional financial products for specific scenarios of small and micro enterprises and farmers. For example, Beijing Daxing Jiuyin Village Bank takes Xinfadi Agricultural Batch Market as a breakthrough point, takes the market as a platform, and aims at merchants to launch "new agricultural loans" for business purposes such as hoarding goods, contracting planting bases, and building processing plants; Nanchang Changdong Jiuyin Village Bank launched "Changnong Loan", which was mainly invested in three counties and five districts of Nanchang to meet the capital needs of farmers in Nanchang. The "Rich Farmer Loan" of Jiuyin Village Bank in Jinggangshan is mainly aimed at individual industrial and commercial households, farmers and relevant personnel of rural grassroots organizations in Jinggangshan area, and is used for consumption or operation, which effectively meets the capital needs of agricultural production, farmers' car purchase, house decoration and children's education. Zixi Jiuyin Village Bank is a "Jinfan Venture Loan" product that supports liquidity for local bread industry operators. Lushan Jiuyin Village Bank supports the "Yifu Loan" of down industry practitioners in Hengtang Town.
By the end of 20021and1,Jiuyin Rural Bank * * had launched 39 special credit products for "new agriculture, countryside and farmers" and issued 4,720 loans with a total loan amount of nearly1500 million yuan. The "new three rural" loans light up the entrepreneurial dreams of farmers and small and micro owners, and help the rural industries to flourish.
System renewal iteration, benefiting the people and facilitating the people
In order to make the loan products go online and offline, the village bank management headquarters of Jiujiang Bank, the main sponsor of Jiuyin Village Bank, independently developed and launched the "village bank loan" system. The electronic filing of village banks is synchronized with the loan system of village banks, and the collected information is entered into the system, and the customer credit is rated through big data analysis. The rating result is directly related to the credit line and loan interest rate; For customers with more than 60 points, the white list customer management of village banks is introduced to realize the automatic approval of online micro-credit for white list customers and give full play to the advantages of village banks.
At present, the "Village Bank Loan" system has been updated to version 2.0 through version 1.0. The mobile phone function has been introduced in the system, and the account manager can handle cards for customers in farmers' homes through mobile phones. The system automatically loads the customer's credit information, providing customers with more accurate scoring quota, effectively improving the work and approval efficiency of rural banks, optimizing customer experience and improving customer satisfaction.
Up to 202 1, 1 1, 49 loan products and scoring models have been listed on the system. Account managers can enter information and pre-score through the mobile phone portal, and customers can withdraw money online through mobile banking. In the nearly one year since the signing loan function was established, the system has recorded more than 65,000 card customers and lent 767 million yuan. In just a few months, customers' online cash withdrawal has reached 654.38+0.05 billion yuan.
20211/Jiuyin Rural Bank launched "Fast Agricultural Loan" to provide unsecured, unsecured, efficient and convenient online credit approval loans for white-listed farmers living in villages within the radiation range of financial service stations. Products make full use of the landing credit scoring model of intelligent risk control platform, and implement automatic credit granting, automatic approval and automatic pricing for white list customers. Customers can receive the loan in 3 minutes at the earliest after using the mobile phone for simple operation, effectively alleviating the problem of farmers' "slow loan".
Beautiful countryside is a vast world with great potential. Jiuyin Village Bank, a young light cavalry, rooted in fertile soil to cultivate the countryside, worked hard and excellently, and painted a magnificent picture of rural revitalization with farmers by optimizing products and improving services.
Jiuyin Village Bank knows that its roots are in the countryside, and its customers are precisely these farmers and small and micro enterprise owners who have difficulty in lending. Only by giving them blood transfusion and hematopoiesis can the rural economy flourish and the rural revitalization be realized.