Reporter Huang Min
2020 is the year to win the battle against poverty in an all-round way. The Guangdong Branch of Bank of China (hereinafter referred to as "Guangdong Bank of China") conscientiously implemented the decisions and arrangements of the CPC Central Committee, the State Council and the Party Committee of the Head Office on financial support for rural revitalization and winning the battle against poverty, injected a steady stream of financial vitality into the decisive battle against poverty and the comprehensive realization of rural revitalization, and delivered a high-scoring answer in the financial support for poverty alleviation.
It is understood that Guangdong Bank of China continues to increase credit support for the "three rural areas and rural areas". In 2020, the balance of agricultural loans was 93.96 billion yuan, an increase of 13.932 billion yuan from the end of 2019, an increase of 17.41%; vigorously develop rural inclusive finance, increase financing support for modern agricultural industrial parks, agricultural leading enterprises, provincial "vegetable basket" enterprises and other fields. Credit factories have approved 1,047 agricultural customers, with a total credit amount of 7.436 billion yuan.
strengthens cadres and talents, cultivate targeted poverty alleviation "responsible field"
Enter today's Changyin Village, Shatian Town, Xinfeng County, Shaoguan City, Guangdong Province. The villages have been renovated and become beautiful. Hard-bottomed cement roads are paved at the door of every household. The village roads are clean and tidy. Many villagers have returned to their hometowns to start businesses, and their wallets are also bulging. In Changyin Village, most villagers chose to go out to work. In fact, the labor force in the village only accounts for 65% of the total population of the village, and most of the arable land is in a waste state.
Since 2016, according to the work arrangements of the Guangdong Provincial Party Committee and the Provincial Government, Guangdong Bank of China has begun to provide counterpart assistance to Changyin Village, investing more than one million yuan in assistance funds every year, greatly improving the "appearance" of Changyin Village. In 2018, Chen Yangtao was selected by the Party Committee of Guangdong Bank of China and completed the transformation from a senior business manager to the first secretary of poverty alleviation in the village. "Let Changyin Village's 'value' increase with his 'appearance'" became an important goal after taking office.
After visiting households and going to many places for investigation, Chen Yangtao and the poverty alleviation team jointly proposed the development concept of "integration, long-term, and integration" and established the village collective economy " Xinfeng County long-term, long-term, and integration farmer professional cooperative" in 2019. Through the commercial operation of the village collective cooperative, nearly 20 mu of idle and inefficient land has been revitalized, becoming a model demonstration for the village to develop the planting economy. Through planting rewards and subsidies, sales and sales, the "cooperative + grower" model has been promoted, and the demonstration has led 16 poor households to participate in planting.
"In order to make use of the local advantageous natural resources, the cooperative selected high-quality varieties to adopt seasonal rotation and traditional planting. In 2019, it successfully introduced trial planting of bean seedlings, chili hearts, and high-end varieties of peppers, etc., with a planting scale of nearly 100 acres." Chen Yangtao introduced. In 2019, with the joint efforts of the poverty alleviation work team, the village "two committees" cadres and local governments, all poor households and village collectives in Changyin Village met the poverty alleviation standards ahead of schedule.
In the process of Guangdong Bank of China supporting poverty alleviation and rural revitalization, there are many elite soldiers and strong generals like Chen Yangtao who are committed to poverty alleviation and have made poverty alleviation results. It is understood that Guangdong Bank of China selected 48 full-time and part-time poverty alleviation cadres, including 30 full-time poverty alleviation cadres and 8 serving as the first secretary of the village.
Guangdong Bank of China has also formulated a paired poverty alleviation assistance plan, pairing units that have not undertaken targeted poverty alleviation work with units that have undertaken targeted poverty alleviation work, and holding paired assistance activities every year to effectively solve the problem of "who helps, who helps who helps". Since 2020, Guangdong Bank of China has carried out more than 30 pairing assistance activities, investing more than 100,000 yuan in assistance materials, gathering a wider force for targeted poverty alleviation work.
efficiently matches needs and promotes the "acceleration of approval efficiency"
How to make poverty alleviation and agricultural loans distributed to agricultural enterprises and returnees more efficiently and conveniently? Guangdong Bank of China strives to simplify the approval process of poverty alleviation and agricultural loans, improve approval efficiency, and "accelerate" in optimizing the process, effectively improving the sense of gain of enterprises and individuals.
Guangzhou Shanghaocai Food Co., Ltd. is a semi-finished food product processing enterprise integrating scientific research, production and sales. It mainly provides food supply services for well-known companies such as China Southern Airlines, Guangzhou Restaurant , Haidilao , and Ka Le. During the Spring Festival in 2021, the whole society responded to the government's call to stay in the local area for the New Year. Local food demand is strong, and enterprises are also facing a shortage of funds for purchasing raw materials.
Bank of China Account managers under Huangge Branch of Guangdong Free Trade Pilot Zone After learning about this situation, they immediately came to understand the company's business opportunities and funding needs, and formulated a financing plan. They immediately applied for a 10 million yuan credit plan to the superior bank. It took only 2 days from declaration to loan, injecting financial vitality into the company's daily operating needs such as purchasing raw materials and paying employee wages. The loan interest rate is more favorable than that of peers, effectively reducing the financing costs of enterprises.
In addition, during the epidemic, Guangdong Bank of China took the initiative and efficiently connected with key epidemic prevention enterprises, established a green channel for agricultural loans, and promptly met the financing needs of anti-epidemic agricultural enterprises. In 2020, a total of 137 anti-epidemic agricultural enterprises were approved, with a total credit of 1.528 billion yuan.
In order to effectively improve the response speed of serving agricultural enterprises, Guangdong Bank of China takes the initiative to take the lead in the market. For example, through the integrated model of "review + training", the agricultural special review meetings of Bank of China Chaozhou , Zhanjiang , Meizhou , Yunfu , Maoming , Shaoguan, Qingyuan branches and the on-site review of Bank of China Dongguan branch of the National Grain Reserve were quickly implemented, and the implementation of the "famous, excellent, new, and favorable agricultural loans" project was accelerated.
At the same time, Guangdong Bank of China has also done a good job in "expanding" basic services, insisting on combining online and offline channels, and striving to open up the "last mile" of financial services in poor areas, and minimizing the "foot cost" of customers to obtain financial services.
Specifically, the bank further focused on its service, built 143 business outlets in county areas, with a total county coverage rate of 91%, and laid out 526 smart counters (including hall version, cash version, mobile version), 375 ATM devices, with a county coverage rate of 100%; and also used mobile banking as a starting point to extend financial services and continuously extended the tentacles of county financial services. The county area had 301,700 newly registered mobile banking customers that year, with an average monthly transaction customer of 473,200.
connects with rural revitalization and launches a "combination punch" for service innovation
As a major pork consumption province, Guangdong is the top priority for stable production and supply of live pigs. Guangdong Bank of China vigorously supports pig farming enterprises to promote development, strengthen loans to local enterprises, and strongly supports pig enterprises from other provinces to come to Guangdong to invest in and build pig farms. As of the end of 2020, the balance of pig breeding loans of Bank of China Guangdong was approximately 2.336 billion yuan, an increase of 1.03 billion yuan year-on-year, and the total annual investment reached 1.961 billion yuan.
Maoming vegetable basket engineering base Shunda Breeding Pig Farm Co., Ltd. is a key leading enterprise in Guangdong Province, a top 100 modern agriculture enterprises in Guangdong Province, a standardization demonstration base of the Ministry of Agriculture, etc. It is a designated pig supply base in Dongguan, Shenzhen, and Nanhai . It plays a leading, standardized and large-scale demonstration role in the development of Maoming's local pig breeding industry. However, since 2019, due to the combined impact of the "pig cycle" and the new crown epidemic, the company's operations have suffered heavy losses and urgently need funds to solve the dilemma of resumption of production.
In order to implement the pig industry support policy, ensure the rapid resumption of work and production of the pig industry, and stabilize the supply of pork market, the Maoming Gaozhou Branch of Bank of China responded actively and quickly connected, and cleverly set up financing service plans based on the company's industrial characteristics and operating conditions, and promptly approved and issued a working capital loan of 10 million yuan for the enterprise, providing working capital support for the resumption of work and production.
In the work of using financial power to support rural revitalization, Guangdong Bank of China has launched a "combination punch" of product innovation, service innovation and channel innovation. Among them, focusing on rural development opportunities such as agricultural industries and returning home to start businesses to innovate products is a key measure for Guangdong Bank of China to strengthen the effective connection between poverty alleviation and rural revitalization.
Take Bank of China "Hui New Year" inclusive financial loan as an example. Since the product was launched on January 29, 2021, Guangdong Bank of China has provided a total of 942 small and micro enterprises in four categories, including "Hui New Year's Day" inclusive financial loans of nearly 3.336 billion yuan, of which 64 agricultural-related agricultural enterprises provide 235 million yuan in "Hui New Year" inclusive financial loans.
In order to support financing of modern agricultural industrial parks, Guangdong Bank of China has also innovatively designed the "Guangdong Bank of China Industrial Loan" credit plan, and coordinated with the Guangdong Provincial Department of Agriculture and Rural Affairs to promote the eight advantages of products "high loan amount, large number of results, few mortgages, long term, excellent interest rate, free fees, and active repayment". In 2020, a total of credit support was provided to 66 provincial modern agricultural industrial park implementing entities, with a loan balance of 407 million yuan.
Inadequate funds are a major problem facing migrant workers, college graduates, and poor people with registered files and cards to return to their hometowns to start their own businesses. In response to this, Guangdong Bank of China has launched personal entrepreneurship guarantee loan business in Guangzhou, Foshan , Jiangmen and Qingyuan areas under its jurisdiction, providing entrepreneurial financial support to the above-mentioned personnel. As of the end of 2020, the balance of personal entrepreneurship guarantee loans was 208 million yuan, providing financial support to 788 entrepreneurs. The bank has also launched a series of credit products for rural youth entrepreneurship to effectively solve the problem of lack of funds for rural youth entrepreneurship. In 2020, a total of 305 million yuan in loans were issued to 349 rural entrepreneurs.
Poverty alleviation must first help one’s ambition, and poverty alleviation must help one’s intelligence. Guangdong Bank of China strengthens policy publicity and guidance and actively carries out public welfare skills training to help the "poor aspirations" help both support through service innovation. The bank organized a professional team and a youth volunteer service team to send financial knowledge to the countryside to help rural youth improve the pertinence and success rate of entrepreneurship. It has formed 73 youth service teams this year, conducted financial knowledge propaganda 31 times to rural areas, and trained 3,463 people. By inviting agricultural experts to the village to spread scientific and technological knowledge, selecting poor households to technical schools for skill training, providing intellectual support for winning the battle against poverty.
In terms of channel innovation, Guangdong Bank of China regards the "Bank of Public Welfare" platform as the main battlefield for consumer assistance, with a total amount of assistance exceeding 39.5 million yuan, of which 12 million yuan was added in 2020, and the per capita consumption exceeded 1,610 yuan; it established the "Guangdong Branch Pavilion" submodule of the "Public Welfare China" platform, and actively matched the bank and co-construction units to contact the platform operation company for online launch.
