In recent years, China Citic Bank Corporation Limited(601998) took the fertile land in rural areas as a hot land for services, continuously led the source of financial living water to the fields, and effectively consolidated and expanded the achievements in poverty alleviation. By the end of 2021, the balance of China Citic Bank Corporation Limited(601998) financial precision assistance loans had exceeded 30 billion yuan, maintaining the overall stability of the existing assistance policies and support, and increasing credit support for key areas such as poverty relief areas, poverty relief population and industrial driving.
improve the system and mechanism, promote the “first hand chess” at the top level
China Citic Bank Corporation Limited(601998) regard the consolidation and expansion of poverty alleviation achievements as the “top project” and incorporate it into the bank wide development plan; A leading group for Inclusive Finance, headed by the Secretary of the Party committee, was established to make an overall plan for consolidating and expanding the achievements of poverty alleviation. The board of supervisors incorporated the implementation of the central spirit and regulatory policies such as consolidating and expanding the achievements of poverty alleviation into the executive evaluation. The Commission for Discipline Inspection included it in the annual supervision and supervised the bank wide financial precision assistance.
At the same time, we will further streamline the examination and approval process of loans to help the people get rid of poverty, and support the improvement of poverty in accordance with the requirements of the financial development policy, Guide the branches to increase credit support for consolidating and expanding the achievements of poverty alleviation. Strengthen assessment incentive and resource guarantee, give financial precision assistance loan FTP assessment profit subsidy of 20bps, encourage branches to allocate additional resources in combination with business reality, and improve the enthusiasm of front-line institutions and personnel.
optimize products and services and win the “battlefield” of credit support
China Citic Bank Corporation Limited(601998) will consolidate and expand the achievements of poverty alleviation, deeply integrate the work into business development, focus on the characteristics of financial precision to help customers’ needs, and expand financial support, consolidate and expand the coverage of poverty alleviation achievements by providing online, targeted and comprehensive products and services.
First, promote online products. Strengthen financial technology empowerment, rely on scenario big data, improve and promote online loan products such as “logistics e-Loan, government procurement e-Loan, distribution e-Loan and order e-Loan”, process the whole process of product services online, break through the limitations of physical network services, realize credit support for small and micro enterprises in poverty-stricken areas, and expand the coverage of assistance loans. In Yunnan, China Citic Bank Corporation Limited(601998) Kunming Branch provides convenient financing services for small and micro enterprises in 16 poverty-stricken counties without business outlets in the province through online products. Suijiang Huarui building materials Co., Ltd. is one of them. Through “commercial bill e-Loan”, China Citic Bank Corporation Limited(601998) Kunming Branch issued 9.5 million yuan of commercial acceptance bill pledge loan for this small and micro enterprise to help the enterprise turnover operating funds.
Second, provide targeted support China Citic Bank Corporation Limited(601998) encourage branches to improve the pertinence of products and services according to the actual situation. In Fujian, China Citic Bank Corporation Limited(601998) Fuzhou branch launched “she Township loan”, “red loan”, “agricultural loan” and “industry finance loan” and other characteristic product systems according to the characteristics of tea industry, injecting financial living water into rural revitalization. FUDING she Mingxiang is a she small and micro enterprise integrating white tea planting, production, R & D and tea culture promotion. Its products are distributed in 22 provinces and cities in Europe, Southeast Asia and China. After the outbreak of covid-19 epidemic, the production and operation of enterprises were affected to a certain extent. Therefore, China Citic Bank Corporation Limited(601998) Fuzhou Branch issued 1 million yuan of “Chashan loan” credit loan to them. With the support of bank credit, the enterprise successfully overcame the epidemic, resumed work and production, and completed plant transformation, equipment renewal and tea garden expansion. The annual sales increased from 8 million yuan in early 2020 to 15 million yuan now. The tea garden expanded from 500 mu of Fangjiashan to 800 mu of Chixi village, Fangjiashan and Fuxi Xikou.
Third, expand comprehensive services China Citic Bank Corporation Limited(601998) actively give play to the advantages of synergy, smooth direct financing channels and improve the comprehensive level of financial services. In 2021 alone, China Citic Bank Corporation Limited(601998) underwritten four of the country’s first batch of debt financing instruments for the revitalization of old areas, with an amount of 3.1 billion yuan, supporting the capital needs of projects in Yimeng, Jiangxi, Fujian and Guangdong former Central Soviet Area, Taihang, Sichuan and Shaanxi and other old revolutionary areas. Chengdu Shanghai Yimin Commercial Group Co.Ltd(600824) is the only agriculture related urban modern agricultural industry group in Chengdu, playing a leading role in people’s livelihood guarantee fields such as “vegetable basket” and “rice bag”. In 2021, Yimin prepared to build a 250000 Mu high-quality grain source base in zalait banner, Hinggan League, Inner Mongolia, and encountered financing problems China Citic Bank Corporation Limited(601998) Chengdu Branch changed its traditional financing ideas and communicated with the dealers association on Shanghai Yimin Commercial Group Co.Ltd(600824) registering Rural Revitalization bills. It took only two working days to complete the registration of “Rural Revitalization bills”, and successfully issued the first batch of “Rural Revitalization bills” in China for Shanghai Yimin Commercial Group Co.Ltd(600824) giving priority to the introduction of financial living water, It has greatly improved the use efficiency and benefit of funds in promoting rural revitalization and construction, and is expected to achieve industrial upgrading, return on investment and social benefits.
stick to multiple measures and give accurate help to “combination boxing”
For a long time, China Citic Bank Corporation Limited(601998) adhered to political leadership, strengthened organizational leadership, continued to carry out a number of precise assistance measures such as fixed-point assistance, industrial assistance and educational assistance, and solidly fulfilled the political and social responsibilities of state-owned financial enterprises. In 2021, the cumulative free donation fund reached 12.123 million yuan.
First, continue to fulfill the responsibility of fixed-point assistance China Citic Bank Corporation Limited(601998) continue to provide counterpart assistance to 5 counties (districts) and 45 villages in Xietongmen County, Xinjiang and Dangchang County, Gansu Province, select excellent and strong assistance cadres, maintain the strength of designated assistance and ensure the implementation of designated assistance responsibilities. In Xietongmen County, Tibet, 3 million yuan was invested to help establish forage processing plants, which effectively solved the prominent problem of insufficient forage for breeding livestock in winter in many townships and towns, benefiting more than 30000 farmers and herdsmen. In Jiashi County, Xinjiang, 1.712 million yuan was invested to carry out Jiashi sheep breeding and other projects in kizilkumu and Tanglai chapti poverty relief villages, benefiting 525 poverty relief households and 2058 people.
Second, continue to promote the docking of industrial assistance China Citic Bank Corporation Limited(601998) actively implement the policy of e-commerce into rural areas, help improve the infrastructure for rural e-commerce development, strengthen the interconnection between agriculture and commerce, and closely connect production and marketing. In Beijing, China Citic Bank Corporation Limited(601998) Beijing branch gives full play to the advantages of financial technology, promotes e-commerce cooperation with Shenzhen Agricultural Products Group Co.Ltd(000061) trading platforms such as “one mu of land”, builds a full process online payment and settlement system for agricultural batch business, provides fund clearing and settlement services for Shenzhen Agricultural Products Group Co.Ltd(000061) supply and marketing in poverty-stricken areas, ensures the timeliness of farmers’ sales funds and solves the “worries” for farmers. In Jiangxi, China Citic Bank Corporation Limited(601998) Nanchang branch actively connects with the well-known online agricultural trade platform “Jiangnan cloud business” in the province, connects the login port of the platform to China Citic Bank Corporation Limited(601998) mobile banking, supports the online sales of Shenzhen Agricultural Products Group Co.Ltd(000061) in poverty relief villages, and widens Shenzhen Agricultural Products Group Co.Ltd(000061) sales channels.
Third, continue to carry out educational assistance projects China Citic Bank Corporation Limited(601998) always takes education assistance as the focus of precise assistance, and continuously increases the investment of education funds. We continued to carry out the “self-improvement class for new Great Wall High School Students” education assistance project, donated 2 million yuan to help 1000 high school students with excellent character and learning and family difficulties in 20 provinces, cities and autonomous regions. The poor families in Tibet donated 500000 yuan to help them return to the poor counties.
China Citic Bank Corporation Limited(601998) also provided a fund of 3 million yuan to provide medical treatment for children suffering from congenital heart disease in poor households and families easy to return to poor households in the western region and the “three districts and three states”. By the end of 2021, more than 100 children had been treated through surgery and rehabilitation.
China Citic Bank Corporation Limited(601998) said that in the future, we will continue to conscientiously implement the strategic deployment of the CPC Central Committee and the State Council, implement the policy requirements of the CBRC, coordinate financial support, consolidate and expand the achievements of poverty alleviation, improve the long-term mechanism of financial precision assistance, maintain the overall stability of financial support, and contribute to the consolidation and expansion of the achievements of poverty alleviation, rural revitalization Contribute to common prosperity.
