Gong Bo. Accelerating the modernization of agriculture and rural areas is the only way to comprehensively promote the new journey of rural revitalization, and scientific and technological empowerment is an important part of it. ICBC actively responds to the development trend of digital village construction and smart agriculture, always based on the diversified livelihood service needs of "three rural" customers, gives full play to the advantages of financial technology, builds platforms and expands scenarios, accelerates the construction of a new rural financial service access system, promotes the development of financial services to rural revitalization to light, intelligent and ecological, effectively improves the availability and convenience of financial services for "three rural" customers, and deeply practices the political and people's nature of financial work.
Deeply cultivate the "three rural" inclusiveness, and "two-wheel drive" to open up an exclusive online position to serve rural revitalization.
In the face of the transformation of the banking service model by emerging digital technologies, ICBC adheres to the customer-centric service concept and aims to "create new farm tools, new supermarkets and new platforms that are easy for rural customers to operate and use", and launched the ICBC "Xingnongtong" APP (hereinafter referred to as the "Xingnongtong APP"), an exclusive online channel for agriculture-related services, at the end of 2021 to provide basic finance, village affairs, matchmaking, service points, and services to customers in the "Three Rurals". comprehensive services such as local characteristic scenes, and combined with the special edition of mobile banking Xingnongtong to build ICBC's "Xingnongtong" online access system, which has served 16.2 billion county-level rural customers. Smooth the channels for product sinking, and provide all-round protection for basic financial services. It provides financial services such as card application, loan, bill payment, account checking, electronic account, and digital RMB to rural customers in the county, and launches special products benefiting farmers such as planting e-loans, county-level exclusive deposits, and large-amount certificates of deposit. Innovate rural digital governance carriers and build a smart rural service ecosystem. Relying on the "digital village" comprehensive service platform, it provides account management, fund approval, information disclosure, township style points, democratic voting, rural party building and other services for certified village committees, members of rural collective economic organizations, villagers and other customer groups, and has guided more than 8,000 village committees and village collectives to settle in the Xingnongtong APP in batches, and give priority to opening village affairs services in designated villages. Break the information barrier and help the agricultural industry supply and demand docking and investment attraction. Innovatively launched the mobile terminal service of the "Xingnong Matchmaking" platform to agricultural-related enterprises, and jointly implemented the matchmaking project with the Ministry of Agriculture and Rural Affairs and the All-China Federation of Industry and Commerce, which not only served the national modern agricultural industrial park and advantageous characteristic industrial clusters, but also more accurately drip irrigated agriculture-related small and micro enterprises, and has provided 170,000 agricultural business entities with the entrance to the "Xingnong Matchmaking" activity. Online and offline synergies to open up the "last mile" of financial services. Relying on the rural inclusive financial service points, ICBC's partners provide individual customers with convenient financial services allowed by the regulator through the APP, such as small deposits and withdrawals, transfers, and payments. Taking into account the regional differences in agriculture, we provide local production and living services according to local conditions. Combined with the advantageous resources of the local agricultural industry and the needs of customers, we have innovatively introduced special scenarios such as subsidy inquiries for farmers, service platforms for migrant workers, and comprehensive social security service platforms to realize the online migration and integration of agriculture-related service scenarios.
Alleviate core pain points and innovate the supply of agro-friendly financial services.
In response to the demand for inclusive and basic financial services, ICBC carried out the transformation of the process of core financial products suitable for agriculture, and provided one-stop financial services tailored and smooth experience for "three rural" customers through ICBC's "Xingnongtong" online access system. Accurately serve the credit needs of rural households. Focusing on many key areas such as agricultural product planting, breeding, processing, and self-improvement, more than 100 unsecured and pure credit agriculture-related inclusive credit products have been launchedBased on agriculture-related data such as land ownership, planting scale, and agricultural insurance, the digital inclusive financing product "planting e-loan" is deployed for large planters in mobile banking, Xingnongtong APP, and open platform to meet the capital needs of all links in the crop growth cycle. In addition, it is the first in the industry to open an exclusive application channel for the bank side of the Ministry of Agriculture and Rural Affairs' "New Agricultural Business Entity Credit Direct Express", which is configured on the first screen of the Xingnongtong APP and sets up an online application window for farmers' loans. Customize exclusive deposit products for county-level customers. Launched ICBC's "Xingnongtong" online access system exclusive large-amount certificates of deposit and "Happy Deposit" series of county-specific deposit products to ensure exclusive services for the "three rural" customers. Improve the ability of intelligent risk control. Xingnongtong APP launched the satellite remote sensing pre-loan precision enclosure tool, which obtains the planting area of agricultural crops in real time through remote sensing images, intelligently identifies crop types, growth and other data, effectively enriches the information dimensions obtained at the loan application stage, and helps improve the accuracy of assessment of production and operation conditions.
Expand openness and sharing, aggregate and create a comprehensive agricultural service ecology for the mutual promotion of industry and agriculture and the interconnection of urban and rural areas.
In response to the demands of digital transformation of agricultural industry chain scenarios such as grain production, planting and breeding, production, supply and marketing, ICBC has created an integrated product of "industry + technology + finance" based on the open banking of financial e-gathering, which integrates and outputs "Internet +" rural e-commerce ecosystem services such as procurement, distribution, direct sales, matchmaking, platform operation, financial management, payment and clearing, fund clearing, and online financing for agriculture-related enterprises and their upstream and downstream, expands the upward channel of agricultural products, and helps farmers increase their income and increase the efficiency of enterprises. Assist in the digital transformation of production and marketing docking and operation and management of agriculture-related enterprises. Through the joint construction of agricultural product sales platform by the silver cooperative, in Hunan, Hubei, Ningxia, Sichuan and other places, help high-quality agricultural products to be transported out of the field;Build a multi-level site sales management platform for Huilong Co., Ltd., the first listed company in the national agricultural materials circulation industry, to solve the pain points such as manual reconciliation and lack of supervision of capital flow. Build a closed-loop digital inclusive financing process in open scenarios. Based on the transaction data and scenario control of the platform, we will innovate and build a digital credit service system in the field of agriculture, form a one-stop online transaction chain from payment, clearing and settlement to inclusive financing, and serve many partners such as Xinjiang Agricultural Materials Group. "Bringing in" and "going out" broaden the service extension in both directions. Cooperate with Beidahuang Group to carry out the scenario of "I have acres of land in Sanjiang" to open rice sales channels for farmsIt has been extensively connected with the agriculture-related government affairs platform of Zhejiang Province, and the "e-loan for farmers" has been exported to more than 10 provincial and municipal digital service platforms as an API interface, providing first-class financing services for farmers on external platforms, and actively exploring and supporting the common prosperity demonstration zone. With an open and scenario-based service ecology, we will help the revitalization of key regional industries. It has built an online sales platform for agricultural products for merchants in Nanjiang County, Bazhong City, Sichuan Province, Wanyuan County, Dazhou City, Yintai District, Tongchuan City, Shaanxi Province, Laishui County, Baoding City, Hebei Province, Jishishan County, Linxia Hui Autonomous Prefecture, Gansu Province, etc., and carried out a number of consumption assistance activities with the help of high-traffic channels of the whole bank.
The original heart is like a rock, and the mission is like a torch;What the people want, what the government wants. ICBC will continue to closely follow the key reforms and strategic deployments of the state, continue to carry forward the spirit of "Ruzi Niu" in financial services and rural revitalization with a high sense of mission and responsibility, continue to introduce new technologies and new ideas, strengthen innovation in agricultural products, business models and cross-border cooperation, solve the core pain points of grassroots branches and customers, truly become a "good helper" and "good partner" to help the production and life of customers in the "Three Rurals", and resolutely fulfill ICBC's responsibility of helping "strong agriculture, beautiful countryside and rich farmers".
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