Chengdu Rural Commercial Bank strives to explore a new path to support rural revitalization

The emphasis on farming, the outline of the country.

The report of the 19th National Congress of the Communist Party of China raised the "implementation strategy for rural revitalization" to a strategic height , pointing out the direction and clearing the focus for the reform and development of agriculture and rural areas in the new era. In 2018, the No. 1 Document of the Central Government clearly stated that the implementation of the rural revitalization strategy should accelerate the formation of a diversified investment pattern of financial priority protection, financial emphasis, and active social participation. The Sichuan Provincial Party Committee and the Provincial Government issued special implementation opinions and made specific arrangements for planning rural revitalization in the new era. Chengdu held a conference to implement the rural revitalization strategy to promote urban and rural integration development, and put forward the overall idea of ​​implementing the rural revitalization strategy—ten key projects and five key reforms, and strive to embark on a unique new road of urban and rural integration development.

At the end of last year, Chengdu Rural Commercial Bank issued the “Proposal on Implementing the Rural Revitalization Strategy in Chengdu to Promote the Integration of Urban and Rural Development”, and put forward the idea of ​​“practicing the rural revitalization strategy with the cherish, innovation and development, and promoting the quality and efficiency of rural financial services”. Guided by “Ai Ke Action”, we will do practical, deep, and fine rural finance, and provide closer, faster and more affordable financial services for farmers, rural areas and agriculture, and provide a strong implementation of Chengdu's rural revitalization strategy. Financial support.

Rooted in Chengdu for more than 60 years, Chengdu Rural Commercial Bank has accumulated successful experience in the practice of “three rural” financial services, but it also encountered many confusions and obstacles. In order to solve these obstacles, improve the financial service level of “agriculture, rural areas and farmers”, and do the pillar of rural financial revitalization, the bank closely follows the “prosperous industry, ecological livability, rural civilization, effective governance, and prosperous life” proposed in the rural revitalization strategy. The goal is to start from the aspects of technological innovation, product service innovation, and talent team building, and strive to explore a new path for financial support for rural revitalization in the new era.

Determine the path of confidence and identify the financial strength point

As the largest local financial institution in Sichuan Province, Chengdu Rural Commercial Bank has earnestly implemented the spirit of the central, provincial and municipal conferences and the requirements of the “Three Rural Issues” of the People’s Bank of China and the Banking Supervision Department, based on “agriculture, rural areas and farmers” and strongly supported SMEs and regions. Economic development, starting from the innovation of supporting agricultural service products, improving the level of rural financial services, supporting the reform of rural property rights system, and improving the innovative services around the "three rural" market demand, conducted useful exploration and successful attempts .

According to the relevant person in charge, in the product creation process, they have successively launched the rural land comprehensive rectification loan, the rural property mortgage loan, the “Huinong Time Loan” series, and also launched the “Agricultural E-Loan” and “Huinong Micro-Bank”. Rural comprehensive financial service model, “three ones” (establishing a financial service liaison in one village, one village-level financial comprehensive service station, forming a village-level public service financial linkage mechanism) rural financial services and remote lines Shanghua credit approval management mode. At the same time, the bank also started from the aspects of organizational leadership, system security, assessment and evaluation, and differentiated policies, and supported the “three rural” business to “take root” in practice.

These practices and explorations have also promoted the coordinated development of economy and finance while promoting agricultural efficiency, increasing farmers' income, and rural prosperity. As the vanguard of rural finance in Chengdu, Chengdu Rural Commercial Bank also has deeper feelings about the challenges facing rural finance. "Compared with the urban market, agricultural efficiency is in the early stage of transformation, and the new agricultural management entities are in the initial stage. Relevant laws, regulations and systems need to be improved. The risks of large-scale agricultural loans, high costs, and difficult guarantees still exist. More determination and more efforts can be resolved." The relevant person in charge of the bank said.

"The rural revitalization strategy is not only the fundamental strategy for cracking the 'three rural issues', but also points out the new direction of financial services for agriculture, rural areas and farmers. By carefully studying and understanding the spirit of the central, provincial and municipal conferences, we have identified the financial strength point. It is also clearer about the new path of the future development of 'agriculture, rural areas and farmers'. We are confident that we will play a more important supporting role in the rural revitalization strategy," said the relevant person in charge of the bank.

Product service and innovation will help the rural area to fully revitalize

According to the person in charge of Chengdu Rural Commercial Bank, in the past few years, the bank has developed more than 20 agricultural products (category), which can fully cover the financial needs of all agricultural market participants. Among them, the use of property rights system reforms, the first to carry out the rural contracted land management rights, farmers housing property rights, agricultural facilities mortgage loans, there are also rural tourism loans for the county-specific industries, agricultural products warehouse receipts pledge loans There are both industrial chain financing for service leading enterprises, as well as “special loan”, “family farm loan” and “farm and easy loan” tailored for new business operators.

â–²The picture shows the manager of the rural loan bank of Chengdu Rural Commercial Bank going deep into the country to help the loan farmers to grab vegetables and publicize the financial knowledge.

Industrial prosperity is the focus of rural revitalization. Focusing on this focus, Chengdu Rural Commercial Bank will vigorously support a series of “big moves” such as accelerating the construction of a modern industrial system, upgrading agricultural brand construction, and implementing agricultural two-way open operations, focusing on characteristic agricultural products and grain. , production of food and beverage, leisure tourism, agricultural products logistics, rural e-commerce and feed processing industries and industrial clusters, new agricultural business entities, leading agricultural enterprises, key leading enterprises to give priority support; ecological livability is the core of rural revitalization, Chengdu The Rural Commercial Bank will take the opportunity of the construction of Happiness and Beautiful Village as an opportunity to actively promote the rural land comprehensive improvement project loan, collective business construction land mortgage loan, flower and wood warehouse receipt (movable property) financing, forest brigade and forestry and other loans, increase the new residence for farmers Construction, special towns (blocks) to build, credit support for the transformation of special forest plates; life wealth is the foothold of rural revitalization, Chengdu Rural Commercial Bank will continue to improve and promote the "two powers" mortgage loans, in order to maximize the activation of rural production resources The principle of factors, expand the scope of rural property financing, It is clear property rights, can be traded, and valuable. It can be mortgaged and financed by the owner of the property right in agricultural production and operation; it will expand the living loans of rural homes, students, and medical care (endowment loans); the rural civilization is the revitalization of the countryside. Guarantee and effective governance are the cornerstones of rural revitalization. Chengdu Rural Commercial Bank will rely on the rural comprehensive financial service station to continue to carry out the "financial knowledge into the village into the community" service, continue to improve the construction of rural credit system, and deepen the construction of the linkage mechanism with the village-level public service. Promote the cooperation between “double-base” (basic institutions and grassroots party organizations) to benefit farmers.

Strengthening Financial Science and Technology Innovation and Cultivating New Functions of "Three Rural" Services

With the in-depth implementation of the rural revitalization strategy, the future agriculture will show a trend of scale, mechanization, information, and integration. The new inclusive finance, driven by science and technology, will effectively overcome the painful points of traditional rural financial costs, low profits, high risks and low service efficiency , and help financial services improve quality and efficiency.

It is understood that as early as 2016, Chengdu Rural Commercial Bank used the big data risk control technology and combined with the construction of rural credit projects to explore and launch the credit acceptance model for agricultural loans. Through the use of the active credit model, the credit business process is fully online, greatly improving the efficiency of lending. In order to meet the increasingly diversified financial needs of the countryside, the bank will also intensify financial technology innovation and foster new kinetic energy for “agriculture, rural areas and farmers”.

In terms of credit business, Chengdu Rural Commercial Bank will improve credit management, credit evaluation, data logic intelligent verification, innovative risk control mode, enrich product design, and improve online intelligent risk management and control after loan data monitoring and cash flow management. Ability to effectively reduce credit risk and improve credit coverage and availability; in terms of integrated financial services, Chengdu Rural Commercial Bank will strengthen its cooperation with third-party payment institutions, enrich account types, expand trading media, and promote convenient payment “second realization” By enriching the functions of Internet platforms such as online banking, mobile banking, and WeChat banking, we will increase the deployment of smart terminals, promote channel integration, and achieve financial services “households”, and services reach “zero distance”; in terms of personnel training, Chengdu Rural Commercial Bank will promote the construction of rural financial talent pools in an orderly manner on the basis of maintaining the manager of agricultural loan clients covering all towns and villages. It will be organized in batches to cultivate the agriculture, agriculture and rural areas with the professional ability. "Two divisions and one member" who love farmers - agricultural economist, rural financial officer, farmer Financial team member, within three years of full-line of professional farmers more than 200 talents of gold, in order to play its innovation in product optimization, trade policy analysis, support the role of business management to enhance the "three rural" mechanism construction. Further exerting the working liaison role of 2,080 financial service liaisons hired to play its supporting role in product innovation optimization, industry policy analysis, business management improvement, and “three rural” mechanism construction, and promote the zero-distance service of financial services covering the whole city. All administrative villages.

New mission, new responsibility. The word "Nong" is not relaxed, and the village is not shaken. In the future, Chengdu Rural Commercial Bank will harvest new hopes for rural rejuvenation on the beautiful Chengdu Plain.

(The original edition was published in the fifth edition of Sichuan Daily on March 23, 2018)