Bank of Qingdao-Promoting the strategy of financial services for rural revitalization has formed a vivid and wonderful practice on the land of Qilu
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Bank of Qingdao actively promotes the strategy of financial services for rural revitalization, with the business goal of “assisting, benefiting and enriching farmers”, focusing on new situations, new problems and new demands in the process of rural revitalization, highlighting demand-oriented, problem-oriented and goal-oriented, Vigorously carry out rural financial product innovation, service innovation, and channel innovation, and strive to enhance the adaptability, inclusiveness, and safety of Qingdao Bank’s financial services, eliminate the difference in financial services between urban and rural areas, and solve the problems of slow, difficult, and expensive loans for farmers The ultimate problem has become the main force of inclusive finance to promote rural revitalization.
New Era, New Journey, New Chapter
With the rapid economic development in rural areas, the majority of farmers have more urgent needs for funds. However, due to problems such as imperfect credit system, lack of basic financial data, and complicated loan approval process in rural areas, the progress of rural revitalization has been constrained. Ms. Zheng, a villager in Qu Village, Jiudian Town, Pingdu, encountered this problem. Ms. Zheng’s family is relatively difficult. Her husband goes out to work all year round. She is over 50 years old and farms alone at home. Except for family living expenses, she can’t save much money a year. Because traditional planting requires a lot of labor and the overall income is low, Ms. Zheng wanted to develop greenhouse strawberry planting with higher income, but suffered from high investment and insufficient funds, and fell into a stalemate for a while. During a small chat, Li Shaoye, the head of the Pingdu Sub-branch’s Jiudian Town Qu Village Farm Assistance Station, learned of her difficulties and reported the villagers’ financial needs level by level. After learning the needs of the grassroots, the Huinong Department of the head office, together with the micro-credit center, went to the front line of rural areas to conduct on-the-spot visits, investigations, and research. Combining with the production and operation of rural residents, and taking advantage of the advantages of our bank’s wide-ranging and deep-reaching agricultural assistance points, we innovated The new model of “agricultural assistance points + village committees” has creatively launched a purely online, unsecured, and unsecured credit product – Rural Revitalization Loan. Rural Revitalization Loan has realized the full automation of online credit business. Customers can self-sign contracts, issue loans, and return loans through electronic channels, realizing the high-quality experience of borrowing at any time, borrowing and repaying at any time, and taking loans without leaving home . After the product was launched, Ms. Zheng became the first group of villagers to benefit. She applied, approved and released the loan on the same day. Zheng Xiaohong received a rural revitalization loan of 60,000 yuan on the same day, built two strawberry greenhouses, and increased her income by 80,000 yuan that year.
New Mechanism, New Model, New Momentum
The promotion of the Rural Revitalization Loan is the beginning of Huinong’s undertaking to better meet the financial needs of rural revitalization with innovative products and services. , Civil Affairs and other comprehensive platforms for convenience services. Take it from the people and use it for the people. As of the end of 2022, our bank’s rural revitalization loan has disbursed a total of 97.24 million yuan. On the way of practicing corporate responsibility and promoting rural revitalization, many stories of “Ms. Zheng” have also emerged.
On September 18, 2021, Mr. Jiang, a farmer in the fourth village of Tinglan Community in Pingdu, was recommended by Jiang Yongxiao, the head of the Tinglan Village Farming Assistance Station, to obtain a rural revitalization loan of 160,000 yuan, which was used to add new feeding equipment, purchase Raw materials, Jiang Renli’s current sheep raising scale has exceeded 1,000, directly generating 800,000 yuan in income;
On November 20, 2021, Mr. Wang, a large pig farmer in the second village of Tinglan Community, Nancun Town, Pingdu City, submitted a loan application through the WeChat official account of the Bank of Qingdao, and received a loan of 120,000 yuan on the same day for pig farming. At present, the breeding scale has broken through from 200 to 300;
On December 12, 2021, Mr. Shao, a large farmer in the first village of Tinglan Community, Nancun Town, submitted a loan application under the guidance of the station manager Jiang Yongxiao, and was immediately approved for a loan of 200,000 yuan. The planting scale of Mr. Shao’s new peanut variety has increased to more than 100 mu by the end of 2022, and the direct economic benefit has increased by more than 500,000 yuan;
On July 16, 2022, Wang Zhengguang, a villager in Tinglanqiu Northeast Street, Nancun Town, received a rural revitalization loan of 190,000 yuan for dairy farming. At present, Wang Zhengguang’s breeding scale has reached nearly 100 cows, directly generating 300,000 yuan in income.
There will be times when the wind and the waves cleave, hang the clouds and sail straight to the sea. As Qingyin farmers who are born at the right time, we must work hard, never give up, continue to innovate, and aim at the characteristics of the rural economy to innovate and create more personalized and convenient financial products for different rural customer groups. Promote the strategy of financial services for rural revitalization to form vivid and wonderful practices on the land of Qilu, and make new and greater contributions to building a model for rural revitalization in Qilu!
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