Reporter Wang Wenbin Correspondent Sun Shuai Gong Zhen
Huimin Rural Commercial Bank has launched Agricultural Financial Officer "+Government Affairs", "+Human and Social Security", and "+Inclusive" business models, to explore new ideas for diversified management of agricultural financial officers and extend new dimensions of multi-channel services for inclusive finance.
Based on the needs of the masses, it launched the "agricultural financial officer + government affairs" model to further improve the level of financial services
Since this year, Huimin Rural Commercial Bank has actively connected with the county administrative approval bureau, formed a pair of party building and co-construction cooperation units, and embedded the "financial assistance" module into the town office convenience service center. A financial service counter is set up in township convenience service centers to undertake deposits, withdrawals, social security payments, water and electricity fees, enterprise agency and establishment, and provide one-stop "financial + government affairs" services. The financial service counter of the Invite Service Center is the core grid, and the surrounding inclusive financial service stations are used as the subgrid to build a "financial + government affairs" service assistance network, open up the "last mile" of serving the people, and create a new brand of "financial assistance" to maximize the meeting of the people's service needs. Up to now, the bank has built 21 financial service counters for convenience service centers, each service point has one financial assistant specialist, open on time every working day; one account manager is set up, and stationed assistance is provided 3 days a week. Since the beginning of this year, the financial service counter has carried out more than 30,200 deposit and withdrawal transactions, with an amount of 71 million yuan, collected 1,494 electricity bills, with an amount of 243,200 yuan, activated social security card html, marketed 2,866 mobile banking households, and helped enterprises to handle and start more than 59 times.
Based on business development needs, innovate the "agricultural and financial staff + human resources and social security service point" model, seize the market share of social security cards
Huimin Rural Commercial Bank seized the opportunity of the Binzhou Municipal Human Resources and Social Security Bureau's implementation of the "human and social security government affairs into villages and communities" activity, established a "human and social security service point + rural financial service station", seized the market share of social security cards, and built a new service model for government affairs and financial services "one-stop acceptance, one-stop handling" of government affairs and financial services. Command ahead and reach a consensus on co-construction. The bank's leadership team actively connects with the local party committee, government and county human resources and social security bureaus, combines the city's "Human and Social Security Government Affairs into Villages and Communities, and serves the people at zero distance" activity, relying on the advantages of Rural Commercial Bank's -point multi-faceted and wide-ranging financial services and full coverage of financial services, it proposed the idea of building a multi-functional comprehensive service station integrating financial services, social security services, government services, financial consumer rights protection and rural e-commerce, and reached a plan for co-construction of service points. Pilot projects first and establish a co-construction mechanism. Screen sites that meet the conditions for social security and financial services, establish a "financial human resources and social security service station", and select and recruit qualified personnel as "agricultural and financial human resources and social security members". At present, 35 service sites have been established, 35 "agricultural, financial and social security members" have been selected for business training, and regular training mechanisms for human resources and social security and financial systems have been established. The training has been qualified and the agreement has been signed to take up the post, so as to achieve in-depth integration of government affairs and financial services. Linkage services and do a good job in combining articles. Give full play to the role of the branch president as deputy mayor and New Rural Cooperative Medical Office, guide customers to actively apply for the replacement of rural commercial bank social security cards. Through the initiative of the masses and the government, 19,901 social security cards in pilot townships have been replaced in batches, and the coverage rate of social security cards in pilot townships has increased from 6% to 91%. Combined with the promotion of mobile teller machines with the guidance of agricultural finance staff, the staff of the outlet brought the mobile teller machines to the "Financial Human Resources and Social Security Service Station" after get off work, and relied on one-on-one with the "Agricultural Finance Human Resources and Social Security Members" to complete the full coverage of more than 2,600 customers' "replacement (discount) cards" and "one social security card, one smart e-channel, one fast payment, and one credit e-loan" products, achieving the replacement of agricultural subsidy passbooks for more than 700 farmers in the town into social security cards.
Based on the needs of inclusive finance, explore the "agricultural finance staff + inclusive" model, and steadily promote the effective docking of four lists
Focus on inclusive finance to implement precise policies, make solid and solid and improve on-site services, give full play to the role of deputy mayors, financial consultants and financial counseling teams, rely on inclusive finance service stations, comprehensively implement the client manager's village office system, and continuously improve inclusive financial services. Relying on the inclusive financial service station, we will carry out the account manager's village-based station operation.The bank has set up a village office for account managers in 116 inclusive financial service stations, post village service announcements, expand the "green office space", and fix the office hours and work locations of account managers in the village to ensure that business processing can keep up with it and service work is uninterrupted. Supervise the account manager to rely on the inclusive financial service station and carry out effective docking of the "four lists" with the assistance of agricultural financial staff. Through the joint visit model of "1 account manager + 1 agricultural financial staff", the "four-level management" of agricultural financial staff and the "four lists" of account managers are effectively implemented. Since the beginning of this year, through the "1 account manager + 1 agricultural and financial worker" visit model, a total of more than 40 million yuan in marketing deposits, 51 households and more than 14 million yuan in loans. Relying on the inclusive financial service station, we will carry out the mobile financial service team action. 27 mobile financial service teams were established throughout the bank to create a collaborative marketing mechanism of "mobile financial service team service team + agricultural and financial personnel". A "mobile hall" was set up in the inclusive financial service station. The account manager and comprehensive teller carry smart teller machine , mobile social security card card making machine and other equipment, and carry out mobile hall office services at the inclusive financial service station. Through the customer manager's residence in the village, they can accurately carry out a package of financial services such as deposits and loans, electronic banking, etc., and deliver intimate financial services to the fields and the hearts of the people, and further unblock the "capillaries" of inclusive financial services. Since the beginning of this year, through the "Mobile Financial Service Team Service Team + Agricultural Financial Staff" marketing model, more than 1,900 social security cards have been marketed, more than 11,400 customer information has been collected, and more than 8 million yuan in deposits and loans have been reversed. Relying on the inclusive financial service station, we will carry out the "financial night school" campaign. Give full play to the role of inclusive financial service stations. Each branch selects a site under its jurisdiction to hold a "financial night school" and "financial knowledge lecture hall" activities every week to promote financial knowledge such as preventing illegal fundraising and preventing telecommunications fraud, and build inclusive financial services into a financial knowledge propaganda base. Since the beginning of this year, relying on the inclusive financial service station, more than 870 "financial night schools" have been carried out, effectively preventing 2 telecommunications frauds, with fewer people losing 60,000 yuan, and 50,000 audiences trained, achieving full coverage of 119 communities in the county.
