"Agriculture and Sectarianism are the fundamental source of food and clothing". If the nation wants to be rejuvenated, the countryside must be rejuvenated.
In recent years, financial services for the "three rural issues" have achieved significant results, among which financial technology has played an important role. On the "giant picture" of rural revitalization, various financial services have entered the fields and provided special conveniences such as agricultural loans, production and sales matching, and agricultural supplies purchase for different entities such as agricultural cooperatives, agricultural enterprises, and farmers.
Rural revitalization card opens the "last mile" of agricultural assistance services
"This rural revitalization card is really a credit card specially issued for us ordinary people. I buy tea seedlings and fertilizers and swipe the card. In the past, I had to find a guarantor to make a loan, but now I can get a loan with a rural revitalization card, and the interest is so cheap. The current policy is really good!"
Fuding City white tea tea farmer Yang Zhaobiao praised the "Rural Revitalization•Youth Card" launched by China UnionPay supporting Fujian Rural Credit Co., Ltd. As of the end of September 2021, China UnionPay supported Fujian Rural Credit Co., Ltd. to issue a total of 77,500 rural revitalization cards, with a credit limit of more than 1.5 billion yuan.
"This card is so convenient. The card is applied for quickly. The fee for text messages reminders is gone, and the cost of cross-bank withdrawals is also reduced." As one of the first users, Qin Chengwei, a farmer from Daxinggou Town, Wangqing County, Yanbian Prefecture, Jilin Province, said that he will use the rural revitalization theme card to apply for a loan for his own farm.
The Rural Revitalization Card released in April 2019 is a professional financial tool for China UnionPay to meet the card needs of rural users and open up the "last mile" of agricultural assistance services. Up to now, the number of rural revitalization theme cards issuing banks has exceeded 200, and the scale of issuing more than 40 million cards.
Rural Revitalization Theme Card is mainly aimed at new economic entities such as agricultural enterprises, agricultural production cooperatives, and agricultural producers, as well as urban residents who purchase agricultural products and engage in agricultural-related business activities. Cardholders can apply for agricultural loans from commercial banks, and farmers can also enjoy discounts in settlement, payment, and purchase of agricultural supplies. In addition, in order to effectively expand the popularization of digital inclusive finance in rural areas, China UnionPay also organically combines the rural revitalization theme card with the China Farmers’ Harvest Festival to create a "Farmers’ Harvest Card", further promoting the intelligence of urban and rural mobile payment services and helping to promote the upgrading of consumption in rural markets.
links UnionPay's special products, and has warm financial services
builds beautiful villages, helps rural revitalization, and achieves steady economic development. It is an effective support for realizing national modernization.
Since its issuance, the rural revitalization theme card has provided a series of convenient comprehensive payment services to meet the actual needs of farmers. The joint card issuing banks have simultaneously reduced and exempted a number of fees including card opening fee, card annual fee, SMS service fee, transfer and withdrawal fees, and superimposed on free agricultural technical consultation, free medical consultation, agricultural accident insurance and other additional services, so that farmers no longer have "difficulty in consultation" and "difficulty in seeking help".
At the same time, the rural revitalization theme card can also form an effective linkage with UnionPay special products such as the Cloud Flash Payment APP, small and micro enterprise cards, etc. Users can understand and use the card rights in the Cloud Flash Payment APP Rural Revitalization Theme Card Zone.
China UnionPay has always practiced the concept of "payment for the people" and empowered to provide valuable and warm financial services and products through financial technology. "Through the Rural Revitalization Card and Cloud Flash Payment APP, China UnionPay also provides tea companies with warm and distinctive financial services," said a relevant person in charge of China UnionPay.
It is understood that in the face of the dilemma of influx of a large number of non-local tea greens, affecting the quality and brand image of Fuding White Tea, Fuding Rural Credit Cooperative also jointly built the Fuding White Tea Big Data Traceability Platform with China UnionPay, changing from listening to tea farmers to listening to big data "say", linking "information + credit + credit" to establish a "white tea credit production area".
In addition to responding to the "rural revitalization" strategy, in August this year, China UnionPay also jointly released UnionPay green low-carbon theme card products in August, helping the country to propose the "3060" dual-carbon goal.
For small and micro enterprise cards, China UnionPay implements bank card swiping fee discounts in accordance with policies, and at the same time implements UnionPay fee reduction and exemption for cross-bank transfer transactions, continuously improving the payment experience of small and micro business owners and individual industrial and commercial households, reducing payment costs, and helping consumption expand and improve quality.
Conclusion
Agriculture and rural issues are fundamental issues related to national economy and people's livelihood. The China UnionPay Rural Revitalization Theme Card is obviously just a small part of digital inclusive financial services, and the promotion of rural revitalization is closely related to the empowerment of financial technology.
In October this year, the "Research Report on Empowering Rural Revitalization in Financial Technology" was released. Before this, China UnionPay, together with 8 commercial banks including Agricultural Bank of China, 1 collection agency and 2 testing institutions, jointly established the China UnionPay Technical Management Committee's Financial Technology Empowering Rural Revitalization Working Group, covering multiple fields such as financial services, transfer and clearing, open banking, acceptance scenarios, certification and testing. In response to the pain points and difficulties related to rural scenario financial services, the working group jointly formulated work paths, designed business frameworks, and explored the implementation of technology to promote the benefits of cutting-edge scientific and technological innovation achievements to the vast number of rural residents and help implement the rural revitalization strategy.
believes that with the coordinated promotion of UnionPay and other relevant institutions, my country's financial technology will continue to explore and achieve certain development results in serving rural revitalization.
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