"This year's vegetables are gratifying, the growth is good, and they will be able to sell at a good priceSister Zhao looked at the vegetables growing in the greenhouse and smiled from ear to ear.
It turned out that Sister Zhao was a well-known "planting expert" nearby, and contracted 12 acres of land to expand the planting scale at the beginning of the year, and invested most of the funds in the early stage into renting land and greenhouse construction, and did not consider the costs of seedlings, fertilizers, labor, etc., and now she is worried about insufficient funds. After learning of the situation, the staff of Yanggu Rural Commercial Bank immediately took the initiative to conduct an investigation, and applied for "Shuicheng Quick Loan" by scanning the code on WeChat, and the loan funds of 160,000 yuan were released to the account in less than 10 minutes. Sister Zhao looked at the loan funds she received, and her face bloomed with joy, "This fund is really timely, according to the plan, this year's harvest will double that of last year." ”
Through the reasonable formulation of access standards, credit lines and terms, flexible interest rate pricing, repayment methods and other elements, the development and launch of the "Yanggu Rural Commercial Bank Shuicheng Quick Loan" system, a mobile phone can complete the whole process of business application, loan issuance, etc., without leaving home to enjoy convenient financial services, greatly saving customers travel and waiting time, and continuously improve customer happiness and satisfaction. Since its launch in October, the bank's "Shuicheng Quick Loan" has granted credit to 2,515 households, 17.4 billion yuan;652 households and 16 million yuan were distributed.
In recent years, with the rise of new models such as large-scale and mechanization of vegetable planting, there are not a few growers like Guan Shoutong who have upgraded their greenhouses and increased investment in daily maintenance, and they urgently need "financial living water" precise drip irrigation. In response to this situation, Yanggu Rural Commercial Bank set up a financial service team to help farmers, and the staff put their desks in the fields, followed up and docked the two village committees in a timely manner, established a list of growers in the jurisdiction, and screened out the growers who met the loan conditions, and had an in-depth understanding of the income of greenhouse growers, crop growth cycle, greenhouse transformation costs, loan needs, etc., tailored credit programs for greenhouse growers, and innovatively launched "greenhouse loans", "entrepreneurial guarantee loans" and "loans to help farmers and businesses" Through door-to-door publicity, door-to-door visits to explain loan policies, distribution of brochures, WeChat group answers, etc., let the people understand the policy and help farmers increase their income and get rich. Up to now, the balance of the bank's agriculture-related loans has reached 91$2.4 billion.
In the next step, Yanggu Rural Commercial Bank will firmly adhere to the business philosophy of "people's bank, happiness sharing", adhere to the return to the origin, and combine agriculture-related funds with "short, frequent and fast" Actively integrate its own characteristic advantages and the needs of rural revitalization and development, continue to increase the frequency of visits, continue to increase the promotion of characteristic loan products benefiting farmers, and continue to explore new models of financial services for rural revitalization and development with high-quality and efficient financial services, accelerate the upgrading of the agricultural industry, and inject financial strength into the high-quality development of rural revitalization.
Liu Zhanyong, Political Commissar Cui).