The No. 1 Document of the Central Government has focused on “three rural issues†for 14 consecutive times, and 11 requests for postal savings and postal savings banks. The Postal Savings Bank has fully utilized its network advantages and deeply cultivated the “three rural†financial sector.
"Investor News" reporter accounted for
Along with the reform of agricultural supply side and the continuous deepening of “three rural†financial services, the 101st routine banking press conference was held in Beijing recently. The publishing agency of this conference was China Postal Savings Bank.
At the press conference, Shao Zhibao, deputy governor of the Postal Savings Bank and president of the Sannong Financial Business Department, introduced the reform of the supply-side reform of the Postal Savings Bank service agriculture with the theme of “deep farming, “agricultural services for agriculture, rural areas and farmers†to help the agricultural supply side structural reformâ€. And the plan to accelerate the reform, improve the operation mechanism of the business unit, and increase the intensity of the agriculture-related loans.
The issue of "agriculture, rural areas and farmers" is related to the prosperity of the country and the people, and whether the well-off society is fully built is related to the realization of two hundred-year goals and the great Chinese dream. The No. 1 Document of the Central Government has focused on “three rural issues†for 14 consecutive times, and 11 times have made clear requests to the Postal Savings Bank.
Shao Zhibao said that since the establishment of the Postal Savings Bank for 10 years, it has always adhered to the strategic positioning of large-scale retail banks, giving full play to its network advantages, deepening the financial sector of “agriculture, rural areas and farmersâ€, constantly innovating the “three rural†financial products and services, and continuously improving the “three rural issuesâ€. Financial service level.
According to the data, as of the end of 2016, the Postal Savings Bank has nearly 40,000 outlets covering 98.9% of the county area; serving 522 million individual customers, 70% of personal accounts are distributed in the county area; the balance of agriculture-related loans is 917.4 billion yuan. Compared with the end of 2015, it increased by 22.7%, accounting for 30.5% of the bank's loan balance.
"Three rural" financial services have achieved remarkable results
Following the document No. 1 of the Central Committee last year, “supporting the China Postal Savings Bank to establish the Sannong Financial Business Department and creating a specialized agricultural service systemâ€, on September 8, 2016, the Postal Savings Bank officially established the Sannong Financial Business Department to establish “ “Farming, Agriculture, and Agriculture†vertical vertical “headquarters—provincial-city-county†four-level organizational structure, professional financial accounting system, special resource allocation policy, independent performance appraisal mechanism, vertical review and approval system, and complete organizational structure And supporting mechanisms to enhance the financial services capabilities of the “three ruralâ€. As of November 2016, the first batch of five pilot provincial branches have been reformed in Inner Mongolia, Jilin, Anhui, Henan and Guangdong.
In order to continuously increase support for modern agriculture and help the development of new agricultural business entities, the Postal Savings Bank has developed new products such as family farms (professional large households) loans and farmers' professional cooperative loans. As of the end of 2016, the Postal Savings Bank has issued a total of 54.5 billion yuan of loans for new agricultural business entities. The annual net increase in the past two years has exceeded 10 billion yuan. The Postal Savings Bank deepened cooperation with the Ministry of Agriculture to build 550 branches of modern agricultural demonstration zones in 283 national modern agricultural demonstration zones, implemented differentiated credit management and mortgage guarantee innovation, and intensified the service of new agricultural business entities, and created a postal bank. Serve a new platform for modern agriculture.
In cooperation with national leading enterprises in agricultural industrialization such as Yili, Mengniu, Wenshi, New Hope and Tongwei, the Postal Savings Bank has established a new model of credit services through the innovation of “leading enterprise +†credit service. Provide upstream and downstream industrial chain financial services to support the industrial integration of feed and pig breeding industries.
At the same time, in order to improve the service efficiency of farmers, the Postal Savings Bank strengthens technological innovation drive, supports rural e-commerce operations, promotes the mobile exhibition industry and credit factory model, improves operational efficiency, and implements the application on the same day as soon as possible. We will launch pure online e-commerce financial products such as “the treasurer of the counter†to enhance the customer experience and realize that we will stay at home without any loans. As of the end of 2016, the Postal Savings Bank has issued a total of 1.28 trillion yuan of small loans, each of which is only 70,000 yuan, serving nearly 10 million farmers.
The Postal Savings Bank continued to optimize its financial service channels. As of the end of 2016, it deployed 113,000 self-service equipment and set up 165,000 financial services for agricultural aid. The payment of premium services for the farmers was completed, and the accumulated premiums were 150 million. 40.4 billion yuan, a total of 1.37 billion yuan of insurance premiums, 140.9 billion yuan; expand rural farmers' payment channels, launch the characteristics of "farmers bank card", "green cartoon? Fu Nong card"; improve the rural payment service environment, promote mobile banking, Electronic channel applications such as TV banking, telephone banking, and WeChat banking. As of the end of last year, the number of customers in the county's personal banking network has reached nearly 83 million.
Continue to promote the construction of the Sannong Financial Department
Shao Zhibao said that in the next step, the Postal Savings Bank will further promote the reform of the Sannong Financial Business Department in accordance with the requirements of the central government, accelerate the improvement of the operation mechanism of the business unit, realize its advantages, expand the service field, increase the investment in agriculture-related loans, activate the market, Activate the elements, activate the main body, and focus on cultivating the new power of structural reform of the agricultural supply side 310328, the fund.
In accelerating the improvement of the operation mechanism of the Sannong Financial Business Department, the Postal Savings Bank will further strengthen the construction of rural credit specialization institutions in the operating system, sink the focus of credit services, and improve the efficiency of agricultural credit service; establish a management mechanism. Improve the “three rural†financial specialization financial accounting system, special resource allocation policy, independent performance appraisal mechanism; establish a set of vertical “three rural†loan review and approval system in the business process, strengthen relevant systems, processes, IT System construction; in the service field, strengthen the breadth and depth of research on national macro-policy, agricultural industry, regional economy, etc., gradually expand the financial business of agriculture-related companies, and better meet the needs of rural social and economic transformation; The department's responsibilities and division of labor, training a more professional "three rural" financial service team, strengthening professional knowledge, practical skills and other aspects of training, to ensure the scale and quality of the "three rural" financial talent team.
Shao Zhibao said that the Postal Savings Bank will continue to increase the credit supply in key areas of agriculture, rural areas and farmers. It is reported that as an important provider of “three rural†financial services, the Postal Savings Bank will actively carry out modern agricultural financial services, increase support for moderately large-scale agricultural management entities and leading agricultural enterprises, and vigorously promote the agricultural industry. Leading enterprises are the core supply chain finance business; continue to increase support for infrastructure construction in county areas, actively serve farmland water conservancy projects, rural pollution control projects, urbanization transformation projects, etc.; comprehensively implement the central supply side structural reform requirements, and actively Serve the optimization of agricultural industry, operation and production system, and vigorously support new industries and new industries such as agricultural characteristic industries and rural e-commerce, rural leisure tourism, and characteristic villages and towns.
In terms of innovating the “three rural†financial service model, the Postal Savings Bank will continue to deepen cooperation with the government, enterprises, guarantees, insurance, associations and other platforms, strengthen the construction of credit villages, improve the access mechanism and innovative guarantee methods; accelerate the development of “Internet + Loan", fully apply mobile acceptance terminals, vigorously develop Internet microfinance business; promote financial three-dimensional poverty alleviation, promote "helping farmers to facilitate loans" poverty alleviation products, innovate financial poverty alleviation mode, and comprehensively do a good job in financial precision poverty alleviation. â–
(Editor: Liu Suyuan HN091)
Medium Weight Plaid Fabric,Grey Check Fabric,Tartan Fleece Fabric,Heavy Plaid
Jiangyin Yaze Wool Textile Co. LTD , https://www.ya-ze.com