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Danyang Agricultural Bank Does Inclusive Finance

Core Tips: Since this year, Danyang Agricultural Bank has closely followed the strategic deployment of the Municipal Party Committee and Municipal Government, insisted on returning to its roots, focused on inclusive finance, and innovated financial services. It has adopted the “plus, minus, multiply and divide” working method to closely contact the masses and improve financial services.

The picture shows the inclusive financial activities of Danyang Agricultural Bank

Photo by reporter Jiaying correspondent Hua Yuancheng

Newspaper (Reporter Jiaying Correspondent Hua Yuancheng) Since this year, Danyang Agricultural Bank has closely followed the strategic deployment of the Municipal Party Committee and Municipal Government, insisted on returning to its origins, focused on inclusive finance, and innovated financial services. It has adopted the “plus, minus, multiply and divide” working method to maintain close ties. The masses, improving financial services.

According to Yin Zhaobing, Party Secretary and President of Danyang Agricultural Bank, the bank ’s “addition, subtraction, multiplication, and division” work methods are to “addition” in enhancing the feelings of the masses, “subtraction” in improving the work process, and “multiplication” in driving the masses to become rich. "," Divide "in improving work style.

A few days ago, Danyang Agricultural Bank and the Jiepai town government held a "bank-government inclusive financial conference" to communicate face-to-face with representatives of more than 30 enterprises in the town, and collected opinions and suggestions from party and government departments and enterprises to explore ways to crack down on restricting corporate development financing. The bottleneck problem also signed 22 million loan cooperation intentions with Jiangsu Feiya Metal Products Co., Ltd., Danyang Kachi Auto Parts Co., Ltd. and Danyang Jiada Auto Parts Co., Ltd. In the near future, the bank will also hold special government-bank-enterprise matchmaking meetings in Lucheng and other places, giving the Chinese New Year a "red envelope" for more small, medium and micro enterprises. It is understood that since the beginning of this year, the bank has taken the theme of "not forgetting the original intention and remembering the mission" as an opportunity to actively explore a new model of "party building + sunshine credit" financial services, injecting financial living water into the local real economy development and rural revitalization strategy. . The bank successively organized party building teams to visit all formed towns and more than 1,500 enterprises in the city. At the "Danyang Second Financial Product Marketing Fair", it highlighted financial product descriptions, negotiations and signing contracts, and launched corresponding financial products to help traditional industries, manufacturing Companies, patents, technologies, and lack of collateral for high-tech small and medium-sized enterprises matchmaking, and on-site cooperation with more than 10 companies reached a financing intention of 546 million yuan.

Combining with the problem of the unsatisfactory credit speed reported by the masses, Danyang Agricultural Bank has done “subtraction” in improving the work flow this year. The bank proactively integrated department posts and streamlined business processes, reduced unnecessary procedures in credit operations, proactively expanded the credit investigation authority of outlets, and shortened the operation chain; implemented a time-limited approval system for new customer loans, and recovered stock The refinancing loan realized T + 0 in principle, which effectively improved the efficiency of loan application and service efficiency, and effectively reduced the capital cost and efficiency cost of credit customers. At the same time, the bank comprehensively increased the promotion and application of new online financing products such as "tax e-loan", "mortgage e-loan", and "micro-credit loan", so that small and micro-business owners can run fewer outlets and run more networks to fully enjoy The convenience brought by Internet finance can minimize the burden on the masses.

In terms of driving the people to become rich, Danyang Agricultural Bank has made full use of the main role of rural finance, based on serving the "three rural" and small, medium and micro enterprises, making full use of financial risk compensation funds, and expanding and strengthening small and micro enterprise loans and inclusive financial services. The reporter learned that for Fuling, Yanling, Situ and other townships, the bank solidly understood the situation of the poor people in the city-level filing archives within its jurisdiction, proactively contacted local village committees, and increased precision poverty alleviation loans and industry-driven poverty alleviation loans. Make efforts to implement preferential policies for poverty alleviation loans. According to statistics, since this year, the bank has issued a total of 578 million yuan in various agricultural-related loans. Through the investment of credit funds, nearly 10,000 people have been employed, which has strongly promoted the development of modern rural agriculture and has become a good helper for the grassroots to get rich.

It is also reported that while comprehensively improving financial services, Danyang Agricultural Bank earnestly improved the work efficiency construction, took the "decentralization of service" reform as a breakthrough, continuously improved the performance evaluation system, and established the first-question responsibility system, service commitment system, and time-limited system. The system of accountability and accountability truly achieves "there are rules to follow in all things, there are people responsible for everything, and everything is well documented", leading the industry to fight for first-class, brand creation, a sword against bad style, and a sword against stubborn performance. Work style to promote financial services and inclusive local economic development.

Editor-in-chief: Wu Linlin

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