The reporter learned today that under the promotion of Guangdong banking and Insurance Regulatory Bureau and Zhaoqing banking and insurance regulatory branch, the country's first characteristic sub branch named "Rural Revitalization" - China Postal Savings Bank Deqing Guanwei Rural Revitalization characteristic sub branch has been in operation for one year. Over the past year, the characteristic sub branch has promoted the quality and efficiency improvement of rural financial services in an all-round way from the aspects of infrastructure, human resources, mechanism guarantee, product innovation and service optimization. By the end of March 2022, the characteristic sub branch had provided 80.28 million yuan of credit, including 19.42 million yuan of credit loan.
Based on the credit rating model of rural land and social insurance, the credit rating system of the sub branch is more suitable for customers, including the credit rating model of rural land and social insurance, and the credit rating of the sub branch is more suitable for customers.
At the same time, the characteristic sub branch "released the mortgage" for rural loans in the "credit village" mode, and all 23 administrative villages in Guanwei town successfully established credit villages. By the end of March 2022, the characteristic sub branch had issued 9.9 million yuan of credit loans through the "credit village" model, accounting for more than half of the total credit loans of the sub branch.
"I live in the countryside and have no collateral or guarantor. A few days ago, the characteristic sub branch said to carry out the construction of credit village. I registered the information with a try mentality and became a credit user. I didn't expect to issue a loan of 30000 yuan to me so soon." Mr. Li, who contracted a 20 mu fish pond in Guanwei Town, said.
In addition, the characteristic sub branch also increased credit for rural loans in the mode of "bank insurance cooperation". For customers who have purchased insurance, characteristic sub branches adopt the loan mode of "loan upon seeing Insurance - agricultural insurance policy loan" to issue credit loans to farmers who have purchased relevant policy agricultural insurance. This model cancels the requirement of operating life, makes full use of the credit enhancement function of insurance, and solves the dilemma of large agricultural credit risk and lack of collateral. At present, more than 1 million yuan has been loaned.
