Deeply Plowing the "Three Rural" Financial Services to Help the Structural Reform of Agricultural Supply Side

China Postal Savings Bank: Deeply Plowing the "Three Rural" Financial Services to Help the Agricultural Supply Side Structural Reform

The issue of "agriculture, rural areas and farmers" is related to the fact that the people are rich and strong, and whether the well-off society is fully built is related to the realization of two hundred-year goals and the great Chinese dream. China Postal Savings Bank (hereinafter referred to as the Postal Savings Bank) exerts its own advantages, deeply ploughs the “three rural” financial services, and actively contributes to the reform of the agricultural supply side.

Since its establishment 10 years ago, the Postal Savings Bank has always adhered to the strategic positioning of large-scale retail banking, giving full play to its network advantages, deepening the financial sector of “agriculture, rural areas and farmers”, constantly innovating financial products and services of “agriculture, rural areas and farmers” and continuously improving the financial services of “agriculture, rural areas and farmers”. As of the end of 2016, the Postal Savings Bank had nearly 40,000 outlets covering 98.9% of the county area; serving individual customers amounted to 522 million yuan, 70% of personal accounts were distributed in the county area; the balance of agriculture-related loans was 917.4 billion yuan, compared with the end of 2015. It increased by 22.7% and accounted for 30.5% of the bank's loan balance.

Active innovation

Supporting agricultural supply-side reforms has achieved remarkable results

In recent years, the Postal Savings Bank has continued to promote product and service innovation, improve the level of “three rural” financial services, and strive to promote the continuous optimization of agricultural product structure, business structure and regional layout, and play a major role in the process of structural reform of the agricultural supply side. The role it should have.

Actively promote the reform of the Sannong Financial Sector. The Postal Savings Bank conscientiously implemented the requirements of the central government. On September 8, 2016, the Sannong Financial Business Department was established to establish a three-level organizational structure, professional financial accounting system and special project of “headquarters-province-city-county”. The resource allocation policy, independent performance appraisal mechanism, vertical review and approval system, and the establishment of a complete organizational structure and supporting mechanisms to enhance the financial services capabilities of the “three rural”. At present, the reform of the Sannong Business Department of the five pilot branches of the Postal Savings Bank in Inner Mongolia, Jilin, Anhui, Henan and Guangdong has already reached the stage.

Vigorously support the moderate scale operation of modern agriculture. The Postal Savings Bank continued to increase its support for modern agriculture, assisted the development of new agricultural business entities, and actively developed new products such as family farms (professional large households) loans and farmers' professional cooperative loans. As of the end of 2016, the Postal Savings Bank has issued a total of 54.5 billion yuan of new agricultural business loans, and the annual net increase in the past two years has exceeded 10 billion. The Postal Savings Bank deepened cooperation with the Ministry of Agriculture to build 550 branches of modern agricultural demonstration zones in 283 national modern agricultural demonstration zones, implemented differentiated credit management and mortgage guarantee innovation, and intensified the service of new agricultural business entities, and created a postal bank. Serve a new platform for modern agriculture. As of the end of 2016, the balance of microfinance loans of the branch of the Modern Agricultural Demonstration Zone of the Postal Savings Bank was 40 billion yuan, and the loan balance of the new agricultural operation mains was 11.8 billion yuan.

Actively promote the growth of farmers' entrepreneurship. The Postal Savings Bank will effectively support farmers' income increase and help agricultural development. By the end of 2016, a total of 1.28 trillion yuan of small loans have been issued, with a total of only 70,000 yuan and nearly 10 million farmers. In order to improve the service efficiency of farmers, the Postal Savings Bank strengthens the drive of scientific and technological innovation, supports the rural e-commerce operation, promotes the mobile exhibition industry and the credit factory model, improves the operation efficiency, and realizes the application on the same day as soon as possible. We will launch pure online e-commerce financial products such as “the treasurer of the shop” to enhance the customer experience and realize that we will stay at home without any loans.

Full support for the development of agricultural industrialization. The Postal Savings Bank cooperates with the national leading enterprises of agricultural industrialization such as Yili, Mengniu, Wenshi, New Hope and Tongwei, and provides a new model of credit services through the innovation of “leading enterprise +” credit service. Upstream and downstream industrial chain financial services support the industrial integration of feed and pig breeding industries. For example, Sichuan Branch cooperates with New Hope Group to implement the “manufacturer + dealer + farmer” model. Banks, manufacturers and distributors sign the agreement, with the dealer dividend as the guarantee, and the dealers guarantee the farmers in full. The industrial chain has developed together and shared risks, and has accumulated a total of 200 million yuan. At the same time, according to the development idea of ​​“one line, one product, one county and one industry”, the Postal Savings Bank will help the development of agricultural superiority and characteristic industries, and focus on supporting the fields of cattle and sheep fattening, aquaculture, and facility agriculture to promote the superiority and efficiency of agricultural products. Cultivate domestic quality brands.

Continue to do basic financial services. The Postal Savings Bank continued to optimize its financial service channels. As of the end of 2016, it deployed 113,000 self-service equipment and set up 165,000 financial services for agricultural aid. The payment of premium services for the farmers was completed, and the accumulated premiums were 150 million. 40.4 billion yuan, a total of 1.37 billion yuan of insurance premiums, 140.9 billion yuan; expand rural farmers' payment channels, launch the characteristics of "farmers' bank card", "green cartoon? Fu Nong card"; improve the rural payment service environment, promote mobile banking, television Electronic channels such as banks, telephone banking, and WeChat banking. As of the end of 2016, the number of customers in the county's personal banking network was nearly 83 million.

Continue to advance

Cultivate new impetus for reform of agricultural supply side

In the next step, the Postal Savings Bank will further promote the reform of the Sannong Financial Department in accordance with the requirements of the Central Committee in 2017, accelerate the improvement of the operation mechanism of the business unit, realize the advantages, expand the service field, increase the investment of agriculture-related loans, activate the market, activate The key elements and the activation of the main body are focused on cultivating a new impetus for structural reform of the agricultural supply side.

Accelerate the improvement of the operation mechanism of the Sannong Financial Business Department. In the management system, we will further strengthen the construction of rural credit specialization institutions, sink the focus of credit services, and improve the efficiency of agriculture-related credit services. In terms of management mechanisms, we will establish and improve the “three rural” financial specialization financial accounting system and special resource allocation. Policy, independent performance appraisal mechanism; in the business process, establish a set of vertical “three rural” loan review and approval system, strengthen related systems, processes, IT system construction; in the service field, strengthen the national macro policy, agricultural industry The breadth of research on regional economy and other aspects, gradually expand the financial business of agriculture-related companies, better meet the needs of rural social and economic transformation; further refine the departmental responsibilities and division of labor in the team building, and cultivate more professional "three rural" financial services The team will strengthen the training of professional knowledge and practical ability to ensure the scale and quality of the “three rural” financial talent team.

Continue to increase the credit supply in key areas of “agriculture, rural areas and farmers”. We will do a good job in modern agricultural financial services, increase support for moderately large-scale agricultural management entities and leading agricultural enterprises, and vigorously promote supply chain financial services with agricultural industry leading enterprises as the core. Continue to increase support for infrastructure construction in county areas, and actively serve farmland water conservancy projects, rural pollution control projects, urbanization and transformation projects. We will comprehensively implement the structural reform requirements of the central supply side, actively serve the optimization of agricultural industries, operations, and production systems, and vigorously support new industries and new industries such as agricultural characteristic industries and rural e-commerce, rural leisure tourism, and characteristic villages and towns.

Constantly innovate the “three rural” financial service model. Continuously deepen cooperation with government, enterprises, guarantees, insurance, associations and other platforms, strengthen the construction of credit villages, and improve access mechanisms and innovative guarantee methods. Accelerate the development of "Internet + loans", fully apply mobile acceptance terminals, and vigorously develop Internet microfinance business. We will promote financial three-dimensional poverty alleviation, promote the “helping farmers to facilitate loans” poverty alleviation products, innovate financial poverty alleviation models, and comprehensively do a good job in financial precision poverty alleviation.

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