Shanxi Agricultural Bank of China to actively explore a new model to achieve new
Policy preferences of innovative products focused
Shanxi Agricultural Bank of China to actively explore support "three rural" new model to achieve new breakthroughs in
2009 years who lives in Fanzhi County Glory BU Xiang Zhang Yuwen wealthy farmers Village is a particularly memorable year, he engaged in
Cultivation Shuto 7 years, due to lack of financial support, only income of nearly 10,000 yuan a year, he went to ABC in July last year, handled the "benefit farmers card" to obtain
Loans to 50,000 yuan, culture Shuto to 12,600 by year-end income of 71,000 yuan. It is understood that the same province as the 5715 Yu-Wen Zhang farmers, through preferential agricultural loans to 202 million cards from the Agricultural Bank of China, embarked on getting rich.
Benefit farmers card so magical powers. In this regard, we Shanxi Branch of Agricultural Bank of China, interviews were conducted. The line is the only county in Shanxi has a large network of state-controlled commercial banks, the basis of past service and experience in Agriculture. To support the farmers become rich, agricultural production and income, rural construction, they focus on the economic characteristics of rural areas in Shanxi, the service "three rural" and support small business development on county bold and effective exploration. Last year, the respective provincial branch line leading deep into rural areas led a wide range of research, with far different characteristics of the county economy, according to the requirements of a County policy, researching and compiling the "three rural" financial services map, developed ABC Service "Agriculture "the overall implementation plan and pilot implementation. In order to map the effective implementation of the objectives and programs, the bank select Yuncheng, Changzhi, Jinzhong, Xinzhou characteristics of the four agricultural regions, to carry out service "three rural" pilot project to determine the overall advancement of seven branches and 22 county breakthroughs County Branch Full forward. In the past, a lot of shrinkage ABC network in the rural areas, to the new situation made it difficult to support the Farmers. In this regard, Shanxi Agricultural Bank of China has the money to implement access, telephone transfer, collection and payment, micro-loans "to benefit farmers card" to support thousands of families as the rich farmers of new products. The new product is approved farmer friend, no outlets for rural farmers how to use a Shanxi Agricultural Bank of China to solve a major problem. In this regard, within two years of Shanxi Branch decided to exempt farmers from agricultural processing benefit card annual fee; To facilitate commercial transactions and benefit the farmers to use farm card, transfer of telephone installation in rural areas, to install self-service facilities in major towns, the first in Linfen Fenxi County set up a self-service equipment, the two towns to address the gaps in rural financial services, financial services issues. New Town Branch of the province put the ATM machine 150 sets, display POS machine 467 launch mobile banking 4452, opened phone banks 59 453, opening personal online banking 50 681, to provide convenient services for farmers. Line services to farmers to mobilize grass-roots enthusiasm to give the pilot line development "three rural" business costs and wage incentives tilt, on the 22 key counties to promote and benefit farmers card, equipped with special vehicles, the overall advancement of the seven county special branch to promote fee. Closing 12 at the end, the Bank issued 613,300 cards and benefit farmers, card deposits reached 73.0974 million yuan; card credit up to 6213, total 223 million credit, loans have been put in 5715 202 million households.
Actively explore the rich, while supporting farmers, the bank in accordance with the characteristics of the county economy, innovation by way of security to address the county small business financing problem. Select Xinzhou Dingxiang County last year, flange forging business as a pilot, used to maintain a minimum amount of steel stock mortgage, corporate owned real estate mortgage, real estate bundled mortgage corporation and shareholders to ensure the security, four or more quality customers, responsible for the HSP and the Credit Union loans, loan guarantees, means of 6 to 11 business credit flange 1.076 billion yuan, has invested 194 million yuan loans to maturity, loans fully recovered, no amount of bad form. Characteristics of the line for the county economy and further broaden the way of security, solve the difficult problem of small business loans. To the end of the line of County small business customers a total of 101 loans, loan balance of 511.6544 million yuan, an increase of 140,902,600 yuan, an increase of 28%.
Farmers involved in thousands of households, the market changing, to achieve the peasants to increase income is not an easy task. Shanxi Agricultural Bank of China to support even the market, the farmers under the (company + farmers) agricultural industrialization leading enterprises as key support last year, loans to 940 million yuan, focusing on the Fen Group, Zhong Man Group, Shanxi Ha Purcell Group Shanxi Mature Vinegar Co., Ltd. and a number of towers in the province and even in the whole country prestigious industry leading companies; preferred to support the daily beverage company Xi County, Yuncheng Triumph Fertilizer Company, Yuncheng Hao Germany leading a group of local enterprise.
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