This year’s No. 1 central document pointed out that the 123 industry integration and development of rural areas should be continuously promoted, and farmers should be directly managed or involved in the development of rural residential areas and farmhouse characteristics villages. The document also mentioned that we should deepen the construction of rural credit system and develop farmers’ credit loans.
“Folk home stay +” is an important starting point for Postal Savings Bank Of China Co.Ltd(601658) Beijing branch to promote the construction of credit village credit users. Through the promotion of the whole village and automatic rating credit, on the one hand, it has expanded the coverage of rural credit system, and on the other hand, it has fully supported the development of folk tourism in Beijing.
build a “credit village”
paves the way to prosperity
“Credit village” is an innovative measure of Postal Savings Bank Of China Co.Ltd(601658) Strengthening Rural Revitalization financial services, deepening the construction of rural credit system and developing farmers’ credit loans. After being rated as “credit village”, credit users in the village can more easily obtain credit support from Postal Savings Bank Of China Co.Ltd(601658) .
Lishugou village, located in the northern mountainous area of huangsongyu Township, Pinggu District, Beijing, is the core area of the National Forest Park and a municipal rural folk custom tourism village. In recent years, in the face of increasing tourists, folk households in Lishugou village urgently need to supplement working capital and expand business scale. Because it is located in the deep mountain area in the east of Beijing, the access to financial services is limited, coupled with the lack of collateral and collateral, it is difficult to solve the financial problem of farmers.
“I’m a native of Lishugou village. I’ve operated a folk restaurant in the village for more than ten years. These years, in order to supplement the reconstruction funds of the restaurant, I often break my legs and break my mouth. I rely on this relative to help me and that friend to borrow some.” Recalling the operation in recent years, Zhang Fuli sighed. Nowadays, tourists have higher and higher requirements for catering and accommodation, and the competition between restaurants and inns is becoming more and more fierce. Looking at the surrounding folk restaurants one by one, Zhang Fuli was worried.
“However, everything is fine now! Our village was rated as a credit village by Postal Savings Bank Of China Co.Ltd(601658) as a credit user, I got 100000 yuan of credit fund support by virtue of credit, which really solved my urgent need. Our restaurant has been renovated, expanded in scale and booked more and more guests. It is expected that the income will increase by 250000 yuan this year!” Zhang Fuli couldn’t hide his smile.
In view of the different regional characteristics of various regions within its jurisdiction, Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch also carries out accurate docking with various loan products such as “quick loan” and “home stay upgrade loan” in accordance with the development idea of “one village, one product” and “one town, one industry”, so as to better serve the credit village and credit users.
farmers “less errands”
loan “acceleration”
“It’s really convenient to apply for loans and disbursements on Postal Savings Bank Of China Co.Ltd(601658) mobile banking.” Li Ming runs a home stay in Jiudu village, Shidu Town, Fangshan District. What impresses him is the efficient and convenient service of Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch. Since Postal Savings Bank Of China Co.Ltd(601658) Beijing branch carried out the construction of rural credit system and information collection of credit users, Li Ming has become one of the credit accounts in Jiudu village of the bank.
In January this year, during the return visit to the letter users, the customer manager found that Li Ming was upgrading his home stay and needed to invest a certain amount of money. Due to the lack of collateral and the inability to find a qualified guarantor, Li Ming’s construction funds are very tight. After learning that Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch launched online credit loans for credit users, Li Ming immediately operated mobile banking under the on-site guidance of the customer manager, applied for loans for online credit users, and approved the credit line of 150000 yuan. “This is really a good product that benefits the people and revitalizes the countryside. The service of the customer manager is also very considerate.” After the online loan application was successful, Li Ming said happily.
In order to better carry out the construction of rural credit system, Postal Savings Bank Of China Co.Ltd(601658) Beijing Branch has continuously strengthened scientific and technological empowerment, applied digital technology, comprehensively carried out information collection and automatic rating and credit extension of credit users and credit villages, gradually built Postal Savings Bank Of China Co.Ltd(601658) farmers’ information big data platform, formed an “Online + offline” integrated service model, delivered financial services to farmers’ homes, and achieved the goal of allowing more information and less errands for farmers, Help build a high-quality and efficient rural industrial system.
