Think about what farmers want to solve their worries

In order to better serve the industrialization of agriculture, rural areas and farmers, since the beginning of this year, Fujian Branch of Postal savings Bank of China has accelerated the pace of its transformation and upgrading in view of the financing difficulties of agriculture-related enterprises and other financial service hotspots and difficulties. we will actively build cooperation platforms such as banking administration, banks and enterprises, centering on areas with relatively concentrated industries, and vigorously promote financial support for Fujian characteristic industries such as marine fishery, tea industry and modern agriculture. We will introduce new models such as mutual loans and guarantee funds, optimize the processes of business acceptance, examination and approval, and strive to achieve the transformation of vertical service chains and the development of horizontal service clusters, so as to greatly improve the service efficiency and level of agriculture, rural areas and farmers.

Centering on characteristic new services to promote new development

On the afternoon of November 21, 2014, the Longhai Branch of the Postal savings Bank solemnly held the signing ceremony of the country's first mortgage loan for "ocean-going fishing vessels under construction", with a credit amount of 30 million yuan. this is another major measure launched by Zhangzhou Branch to boost the marine economy after the successful issuance of the first batch of "ship net tool indicator pledge loans".

In order to turn the branch into a 'characteristic branch of small marine fishery enterprises', credit personnel actively visit fishing villages to understand the actual business situation, capital needs and bottlenecks restricting the development of fishermen. The mortgage loan business of 'ocean-going fishing vessels under construction' is an important financial measure for the Postal savings Bank to actively respond to the overall plan for national economic and social development during the 12th five-year Plan and vigorously support the development of ocean fishing. The launch of this credit product effectively solved the problems of shortage of funds, difficulties in financing, expensive financing and slow financing in the early stage of the construction of ocean fishing vessels, and opened up financing channels for ocean fishing companies. " Zou Shaojian, president of Longhai branch, introduced.

"in 2010, I suggested to their bank that the fishing boat mortgage business is very good, but the amount is too small, the maturity is too short, and the repayment method needs to be adjusted. They attached great importance to it and made adjustments. " Cai Wenshan, branch secretary of Lianyu Village in Longhai City, said that the village is the largest fishing village in Fujian, and the fishery output value exceeded 100 million last year.

Mobile finance opens up the "last kilometer"

In recent years, the Postal savings Bank Fujian Branch has practiced the concept of "inclusive finance" through network channels throughout urban and rural areas, effectively filling up the problem of lack of financial services in the vast rural areas, especially in remote and poor areas.

"it's much more convenient to apply for a loan within two days at home than in the past." Zhuang Youfang, from Houlun Village, Huangqi Town, Lianjiang County, praised the Postal savings Bank's micro-loan mobile business after applying for a 200000 yuan micro-loan from the Lianjiang branch of the Postal savings Bank at home.

In order to better serve "agriculture, rural areas and farmers", Fujian Branch of Postal savings Bank, under the guidance and guidance of relevant departments of the head office, actively made a bold attempt in process reengineering and technological innovation. On July 30th, Postal savings Bank took the lead in carrying out pilot projects of scientific and technological innovation of micro-loan mobile business in Xiapu and Lianjiang. Loan officers only need a mobile intelligent terminal (PAD) to complete on-site investigation, field photos, filing and other information input and collection in customers' homes, and complete real-time online examination and approval in the background, which greatly shortens the business acceptance time and reduces the trouble for customers to go to the network to handle business many times.

"I didn't expect that the service of the Postal savings Bank is so advanced and convenient." Huang Xiulan, secretary of the party branch of Houlun Village, Huangqi Town, Lianjiang, is refreshed by the Postal savings Bank's advanced service means and fast service efficiency, and hopes that more farmers can enjoy this modern, fashionable and convenient financial service.

The government and banks work together to solve the difficulty of farmers' loans. "I didn't even dare to think about it before, but now we can also get loans that specifically support farmers in our cooperatives." On the morning of April 23, 2014, after signing their names on the loan agreement, Xu Renshou, chairman of Zhenghe County Farmers' Lianzi Professional Cooperative, and other 10 farmers received a loan of 1.1 million yuan from the Zhenghe county branch of the Postal savings Bank.

"the cooperative contracted 1500 mu of white lotus, 500mu of Zizania caduciflora and 150mu of immortal grass. At present, it needs 120 tons of fertilizer. White lotus has been planted, but there is no capital, and there is no money for the purchase of pesticides and chemical fertilizers. Capital is a big problem for us, and this loan has really solved our urgent needs. " Xu Renshou said.

"at the beginning of the year, we found that there is great potential for growing white lotus locally, and we can rely on large growers to solve technical and market problems. At that time, cooperatives were encouraged to increase the intensity of land transfer and expand the scale. However, in the subsequent household survey, it was found that funds were the biggest problem, and the lack of funds seriously restricted the development of rural areas. " Liao Junbo, secretary of the Zhenghe county party committee, said, "when banks lend money, they have to find someone to guarantee it, or have collateral." But even so, the amount of loans for farmers is not large and can not meet the needs of large households. "

Farmers do not have much collateral to use for loans. What shall I do? Around this line of thinking, the Zhenghe County Branch of the Postal savings Bank actively communicated with the County Agricultural Office. After three months of field research and product analysis, the Postal savings Bank finally applied to the higher bank for approval of the policy-based micro-guarantee loan products that broke through the traditional business model.

"the Postal savings Bank really thinks what the farmers think and solves their worries!" Xu Renshou sighed.

It is reported that the product sets up micro-credit risk funds through the injection of guarantee funds by the government, relies on the micro-credit promotion association in charge of the county agricultural office as the carrier, manages the credit risk funds, and guarantees for the farmers recommended by them. the bank provides the corresponding scale of agricultural loans with 5 times of the micro-credit risk funds, and farmers can apply in the form of counter-guarantee to the promotion association by using their own land management rights and forest rights.