Shandong Laiwu Rural Commercial Bank takes the continuous expansion of effective credit as the starting point, helps to build a "Qilu model" for rural revitalization, promotes the "one village, one product" characteristic agriculture "out of the circle", fully supports the development of agricultural industry within its jurisdiction, comprehensively improves the ability and level of financial services for rural revitalization, focuses on the main responsibilities and main business, earnestly shoulders the burden of "supporting agriculture and supporting small enterprises", does a solid job in serving the "three rural" articles, and writes a good "answer sheet" to help rural revitalization with heart, strength and affection.
Zhang Tong, Secretary of the Party Committee of Shandong Laiwu Rural Commercial Bank.
A strong country must first strengthen agriculture, and only when agriculture is strong can the country be strong. From "implementing the rural revitalization strategy" to "accelerating the construction of an agricultural power", the 20th National Congress of the Communist Party of China has drawn a grand blueprint for comprehensively promoting rural revitalization. As the main financial force rooted in the "Three Rurals" and serving the "Three Rurals" within its jurisdiction, Shandong Laiwu Rural Commercial Bank has thoroughly studied and implemented the spirit of the 20th National Congress of the Communist Party of China, continued to deepen the implementation of the overall work idea of "123456" of the Party Committee of the Provincial Associated Society, and continued to expand effective credit delivery as the starting point to help build a "Qilu Model" for rural revitalization, promote the "one village, one product" characteristic agriculture "out of the circle", fully support the development of the agricultural industry within its jurisdiction, and comprehensively improve the ability and level of financial services for rural revitalization. As of the end of 2023, the balance of various loans was 2535.1 billion yuan, contributing to the service of rural revitalization.
Focus on the prosperity of the industry and create a "model room" for one village and one product. Based on the actual situation of characteristic industries within the jurisdiction, we have innovatively launched more than 10 loan products for rural revitalization characteristic industries such as pepper loans, hawthorn loans, landscape pine loans, tobacco loans, and peach loans, and increased the promotion of policy products benefiting farmers such as Ludan Huinong loans, focusing on supporting characteristic industries such as "three spicy and one hemp", "three black and one flower", hawthorn, landscape pine, yellow peach, and salvia, so as to accurately "transfuse" the development of characteristic industries. At the same time, focusing on the creation of "model villages" for rural revitalization, through the establishment of financial counselors in villages, the development of "sending financial knowledge, financial products, planting and breeding technology" to the countryside, and jointly carrying out the "Farmers' Harvest Festival", financial night schools, live broadcast and other methods, we will dig deep into the financial needs of the development of rural characteristic industries, increase precise credit support, and continue to improve the "hematopoietic" ability of the economy of characteristic industries. At present, it has successfully developed the "one village, one product" characteristic industries such as rabbit down processing in Bimaobu Village, deep processing of hawthorn products in Pangjiazhuang Village, mushroom farming in Xiwulongkou Village, landscape pine planting in Dulu Village, landscape pine planting in Dongtieche Village, yellow peach planting in Xiafeng Village, and salvia planting in Aishan Street, so that the majority of farmers have embarked on the road of sustainable prosperity with scale, intensification, branding and industrialization. By the end of 2023, Laiwu Rural Commercial Bank has issued a total of 1,723 rural revitalization loans, with an amount of 62.4 billion yuan, a total of 8 provincial-level model villages, 20 municipal-level model villages, and 22 county-level model villages.
Focus on the civilization of rural customs and build a civilized and honest "happy village". Take the initiative to report to the local government, actively participate in the implementation of the strategic plan for rural revitalization in all districts, upgrade the "whole village credit" to the creation of civilized, honest and happy villages, strengthen local support for the construction of civilized, honest and happy villages by holding mobilization meetings, joint documents, on-site offices, etc., and include the construction of civilized and honest happy villages in the agenda, and jointly carry out the creation project of "rural revitalization civilized credit users", with the creation and evaluation of "civilized credit users" as the entry point. Transform rural civilization into tangible "benefits", and turn the "integrity" of the masses into "real gold" that can be used at any time**As of the end of 2023, Laiwu Rural Commercial Bank has successfully achieved full coverage of "whole village credit" villages within its jurisdiction, with a total of 670,000 households, amount 23800 million yuan.
Focus on affluent life and build a "heart-to-heart bridge" of the collective economy. In order to support the development of the collective economy of the villages under its jurisdiction, Laiwu Rural Commercial Bank attaches great importance to the development of the village collective economy in view of the local government, vigorously encourages the actual situation of the establishment of cooperatives led by the village party organizations, strengthens communication and docking with the local government, comprehensively obtains the list of professional cooperatives founded at the village level within the jurisdiction, finds out the capital needs, implements precise policies, and strives to solve the problem of difficult and expensive financing for the cooperatives led by the village party organizations within the jurisdiction, so as to help the development of the village-level collective economy. At the same time, strengthen cooperation with the provincial agricultural company, comprehensively use the best credit enhancement, financial discounts, interest rate concessions and other policies, increase the "strong village loan" investment, open up a green channel to achieve rapid approval and rapid issuance, optimize and improve financial services, and effectively let more qualified village-level professional cooperatives within the jurisdiction obtain loan support for farmers, build a "connecting bridge" for the collective economy of villages within the jurisdiction, and attract funds to help rural revitalization. At present, 6 million yuan of "strong village loans" have been issued to cooperatives led by village party organizations such as Laiwu Wennan Ginger Planting Professional Cooperative and Jinan Shangougou Land Share Professional Cooperative, which has supported the rapid development of rural characteristic industries within the jurisdiction.
Focus on increasing farmers' incomes and do a good job as a "guide" for the masses to get rich. Laiwu Rural Commercial Bank has taken effective measures to dig deep into the talented people who have become rich, and actively launched credit products such as guaranteed loans for entrepreneurship and relief loans, so as to be a good "guide" for the masses to get rich. At the same time, for returning college students, entrepreneurial experts and other groups with development prospects in characteristic agriculture, Laiwu Rural Commercial Bank actively promotes government-bank-enterprise cooperation, and unites district committees, districts, township streets, and high-quality agricultural enterprises to jointly tap the rich and capable people in each village, forming a characteristic agricultural support model of township mapping, first-class recommendation, and bank support, relying on the smart marketing system, establishing and improving the "four lists" to achieve seamless docking and precise support. As of the end of 2023, a total of 647 "start-up guarantee loans" have been issued, with an amount of 10.2 billion yuan; 1,772 households were granted "relief loans", with an amount of 50.5 billion yuan, which continued to drive the villagers in the jurisdiction to get rich and increase income.
Focus on the radiation effect and ignite the "new engine" of agricultural development. Lu Huan grain and vegetable planting professional cooperative is located in Tianjialou Village, Miaoshan Town, Laiwu District, Jinan City, is a typical representative of high-quality agriculture in Miaoshan Town, with ginger, potatoes, tomatoes, watermelons and other vegetables and fruits planting, improved seed breeding, has developed more than 90 members, radiation to drive more than 900 farmers around the development of planting base, planting area of more than 2,000 acres. Laiwu Rural Commercial Bank aims at the development vitality of new agricultural business entities, accurately introduces financial "living water", and effectively gives full play to the "radiation kinetic energy" of new agricultural business entities to help rural revitalization and development. Up to now, a total of more than 100 yuan of loans have been handled for the main members of the cooperative, and at the same time, a basic account has been opened for the cooperative to provide capital settlement services, which has strongly supported the "radiation-driven" development of the cooperative. In recent years, Laiwu Rural Commercial Bank has obtained a list of new agricultural business entities in industrial clusters such as farmer cooperatives, large farmers and family farms under its jurisdiction by docking with the Agriculture and Rural Bureau, township **, village "two committees" and other units, and has made every effort to increase the support for new agricultural business entities and help stimulate the endogenous development momentum of rural revitalization. The bank has also actively accessed the information direct reporting system for new agricultural business entities, and released credit products to support new agricultural business entities, such as "Xing Agricultural Loan", "Sponsorship Loan", "Strong Village Loan", "Farming Loan", "Lu Dan Hui Agricultural Loan" and "Jidan Wealth Industry Loan", continuously strengthened credit support for new agricultural business entities within its jurisdiction, and ignited a "new engine" for financial assistance to the development of new agriculture.
If the nation is to be rejuvenated, the countryside must be revitalized. Laiwu Rural Commercial Bank will continue to focus on its main responsibilities and main business, earnestly shoulder the burden of "supporting agriculture and supporting small enterprises", do a solid job in serving the "three rural" articles, and write the "answer sheet" to help rural revitalization with heart, strength and affection.