As a pilot project for “three rural†financial services and deepening the reform of the “three rural†financial sector, the Agricultural Bank of Guangxi Hechi Branch accurately grasps the market orientation of “agriculture, rural areas and farmersâ€, highly meets the economic and financial needs of the county, innovates financial services, and fully implements the county. The branch capacity improvement project will effectively promote the development of the “three rural†business. In the past three years, the bank has issued a total of 3.6 billion yuan of loans for agriculture, rural areas and farmers, and the loan balance reached 5.08 billion yuan.
Hechi Branch has formulated the "Financial Ecology Map for Serving the "Three Rural Issues"", "Working Plan for Concentrated Conjoined Services, "Three Rural Issues", etc., and actively explored a new mode of centralized contiguous service "three rural" in the city. Relying on five county industrial clusters and four industrial parks, the bank has issued loans of nearly 2.3 billion yuan in the past three years, focusing on supporting 13 leading enterprises in agricultural industrialization, and vigorously promoting county-level pillar industries such as hydropower, sugar, silkworm, and minerals. Optimize and upgrade, and drive more than 100,000 rural households in the agricultural value chain to increase their income. In response to the current situation of difficult rural household loans and difficult guarantees, the bank launched the “Government Credit Increase†guarantee loan, fully supporting the development of rural business entities such as large professional households, family farms, economically capable people and professional cooperatives, and improving the fineness of “three rural†businesses. Management and intensification development level.
In order to increase support for rural urbanization construction, Hechi Branch supported the rural residents to implement the “Residential Project†by issuing credit products such as “farmers’ home loans†and “self-built housing loans†in accordance with the “one county, one model, one line and one characteristicâ€. ". The bank regards water conservancy as a priority area for county infrastructure construction, and supports farmland water conservancy projects such as Longtan Hydropower Station in Tianzhu County and Yantan Hydropower Station in Dahua County to ensure the irrigation needs of downstream farmland and ensure a bumper harvest of grain. In the past three years, the bank has accumulatively invested 1.5 billion yuan in county urbanization loans and 6.5 billion yuan in county hydropower loans.
Hechi Branch relies on agricultural industrialization leading enterprises, agricultural product logistics market, characteristic industrial clusters and new rural insurance and other agency projects to promote the overall card issuance of Huinong Card and accelerate the progress of farmers' loan. As of the end of July, the bank's Hui Nong card issued a total of 245,000 cards, and the balance of rural household loans reached 1.27 billion yuan. The bank actively explored and promoted the “Internet +†service model such as “Huinong Card + Sannong Financial Service Stationâ€, “E Farm Manager + Convenience Supermarketâ€, and actively extended the county financial service network. Since 2010, it has been deployed in counties and rural areas. ATM 160, POS machine 2561, transfer telephone and other self-service tools 1383, basically eliminate the blank of financial services towns and towns, so the bank was awarded the honorary title of "supporting the advanced backing unit of socialist new countryside construction" by Hechi City Government, becoming the only city in Hechi City. The financial institution that has won this honor. Wei Fan
〖Supporting the development of Taiwan-funded enterprises〗
Huai'an Branch Helps Locally Establish Taiwan-funded “New Heightsâ€
The Agricultural Bank of China Jiangsu Huai'an Branch actively responded to the city government's deployment of the north-south industrial transfer, helping the local government to build a "new highland." In the past three years, the bank has issued loans of 3 billion yuan to Taiwan-funded enterprises and handled international settlements of 5 billion US dollars. Realize the full coverage of key Taiwan-enterprise cooperation and rank first in the industry.
Huai'an Branch actively supports the advanced manufacturing industry of Taiwanese companies to take root in Huaihe, and gives priority to the advanced manufacturing Taiwan enterprises that meet the credit policy in terms of loan scale, supporting measures and approval speed, and integrates Taiwan enterprises into their preferred customer groups for management. The rapid response mechanism of Taiwan-funded enterprises serves to promote the development of Taiwan-funded enterprises.
In response to the large import and export volume of Taiwan-funded enterprises and the large amount of funds settled, Huai'an Branch relied on the abundant product system and professional settlement system of ABC, and distributed nearly 2 billion yuan of trade financing loans to Taiwan-funded enterprises such as Foxconn. The US dollar will speed up capital turnover and reduce the cost of capital for enterprises. The bank actively recommended the cross-border RMB payment system of the People's Bank of China to Taiwan-funded enterprises, and provided training and guidance to corporate finance personnel, so that the company's settlement funds were reduced in transit time, allowing Taiwan enterprises to embark on the settlement “high-speed roadâ€, which has been accumulated through the system. Handling cross-border RMB settlement of 1.2 billion yuan.
Huai'an Branch strives to build a preferred bank for Taiwanese enterprises, actively participate in activities such as the Taiwan Business Forum, and set up professional teams to participate in government investment, providing Taiwan-funded enterprises with full-process and personalized financial services such as accounts, licenses and taxation. A chemical enterprise is the largest Taiwan-funded enterprise in Huai'an. According to the characteristics of its business operation, the bank opened a bill pool business on the basis of a credit of 580 million yuan. It has accumulated 2,094 tickets and more than 1 billion yuan in cash. Han Yushi
Zhangzhou Minjiang Sub-branch to create a Taiwan-funded special bank
Agricultural Bank of China Fujian Zhangzhou Minjiang Branch will take advantage of the traditional business of international business, and will serve Taiwan-funded enterprises as the focus of work, innovate financial products, increase credit supply, support the development of more than 20 Taiwan-funded enterprises, and strive to build a Taiwan-funded enterprise with special services. .
Zhangzhou is the main ancestral home of Taiwan compatriots and Taiwanese investment-intensive areas. A food company has been a Taiwan-funded export-oriented enterprise that ABC has cooperated for many years. Since 2008, due to the financial crisis, the company’s foreign orders have been seriously affected. The Minjiang Sub-branch promptly advised enterprises to transform and develop domestic high-end foods, enter the chilled market, and provide more than 3 million yuan in working capital loans. With the support of the bank, the company has opened more than 20 brand fresh-sale stores and 3 food and beverage outlets in Xiamen, Zhangzhou, Quanzhou and Fuzhou. The products also entered large supermarkets such as Wal-Mart and were rated as countries. Leading industry leading enterprises. This is just a microcosm of the bank's credit support for the development of Taiwan-funded enterprises. Since 2014, the bank has granted 1.44 billion yuan to Taiwan-funded enterprises and 350 million yuan in loans.
The Minjiang Sub-branch has established a team of professional account managers to provide Taiwan-funded enterprises with a package of international business financial services such as letters of credit, import bills, overseas payment, export bills and financial derivatives with excellent professionalism. The bank actively assists Taiwanese-funded enterprises in import and export business with trade financing products that can avoid exchange rate risks and help enterprises avoid trade risks. The international trade financing business handled by the customer in the bank can basically be completed on the same day with the cooperation of the relevant departments of the higher level. In order to allow corporate customers to receive business receipts in a timely manner, the account manager of the bank uses the lunch break to send the return receipts to the customers, and the quality and efficient services are recognized and trusted by the customers. Since 2014, the bank has issued 12 foreign-related letters of credit for the Taiwan-funded enterprises, with an amount of US$57.39 million, and handled 11 import bills with an amount of US$56.39 million. Jane Silver Banana
〖Agricultural Bank in the lens〗
Many farmers have a "financial problem" but don't know how to find it. In this regard, the Agricultural Bank of China Jiangsu Jixian Sub-branch set up a "field lecture hall", the staff of the bank went into the country house, and used the grounded gas to teach the farmers friends the knowledge of anti-fraud, smart wealth management, loan, etc., and will serve the "three rural" work. Do it fine. (Xu Jianjun Yin Yi)
Taiping Village, Tangxian Town, Yongkang City, Zhejiang Province is a famous hometown of lotus seeds. The Agricultural Bank of China Yongkang Branch has listed the village as a financial autonomous village, and has invested 5.5 million yuan in small-scale farmers' loans to support more than 50 farmers to develop lotus seed cultivation. (Fang Lingli Hu Huayu)
Agricultural Bank of China Henan Anyang County Branch issued a loan of 32 million yuan to 57 small and micro enterprises, helping small and micro enterprises to introduce advanced technology and improve product quality and efficiency. (Wang Jianan)
〖One line micro-broadcast〗
Shaanxi Branch's first asset securitization business
Recently, the Agricultural Bank of Shaanxi Branch successfully held the property fee income of a state-owned listed real estate enterprise and the start-up meeting of a tourism scenic spot comprehensive service fee income asset securitization project in Xi'an and Huayin City respectively. The total amount of the project amounted to 740 million yuan.
It is understood that the asset securitization business is flexible in its use of funds, which is conducive to enterprises to revitalize existing assets, innovate financing channels, and enhance social influence. Shaanxi Branch attaches great importance to this, accelerates the transformation of the company's business investment banking, combined with Shaanxi's rich tourism resources and stable income, the tourism ticket revenue as the basic asset of the asset securitization business. At the same time, it is determined that a real estate listed company with the largest scale in the northwest, a large area of ​​management property, and a strong regional market influence is the target customer of the asset securitization project. The bank set up a business marketing team and implemented a three-tier linkage of the general branch. Under the support of superior design and technical intelligence, the bank actively collects customer information, strengthens daily maintenance and service, and after repeated consultations and multiple marketings, it finally wins customer recognition in the fierce market competition and realizes asset securitization project cooperation. (Wu Jianxuan Wu Shaoji)
The Corps Branch strengthens cooperation with the Bingtuan Tourism Bureau
Recently, the Xinjiang Branch of the Agricultural Bank of China signed a comprehensive strategic cooperation agreement with the Bingtuan Tourism Bureau. The two sides will actively build a cooperation platform, share resources, promote accurate poverty alleviation, tourism poverty alleviation, and achieve multi-win.
According to the agreement, the Bingtuan Tourism Bureau will recommend to the Bingtuan Branch the key tourism construction projects during the “13th Five-Year Plan†period, and give priority to recommending the bank to participate in various tourism resources comprehensive development financing projects, stipulating the collection of funds in the BTS tourism system. The business of collecting and paying, as well as tourism quality assurance deposit, credit card tourism value-added services, related tourism marketing and acquiring merchants, is entrusted to the bank. The bank will focus on supporting the development of leisure agriculture and rural tourism, and provide quality, efficient and fast financial services for key tourism construction projects. (Gu Shuigen, Zhang Xiaomei)
Xinjiang Changji Branch handles government purchase service loans
Recently, the Agricultural Bank of China Xinjiang Changji Branch successfully handled the first loan from Changji City Government to purchase service financing projects, with an amount of 160 million yuan and a term of 18 years. The loan will be used for the construction of ecological protection forest project in Changji City.
Since the beginning of the year, Changji Branch has been based on the planning of local key construction projects, focusing on regional government key construction projects, actively marketing government procurement service financing projects, integrating policy resources, and leveraging its own advantages to launch the government's new service purchase service in the industry. product. The bank actively engaged with the relevant departments of the municipal government, intervened in advance, set up a marketing team, formulated service plans, optimized credit services, implemented integrated marketing, improved operational efficiency, and actively carried out quality service work for government procurement service financing projects. (Guo Zhonghui Zhou Dingyi)
Guangdong Foshan Branch's agency insurance business leads the industry
As of the end of July, the Agricultural Bank of Guangdong Foshan Branch's insurance business insurance premium reached 2.3 billion yuan, the agency insurance business income of 90.12 million yuan, the industry's market share of 55.3%.
In order to improve the accuracy of marketing, Foshan Branch carefully selected the insurance products of the superiors and the actual situation of the cooperative companies, carefully selected and formulated the marketing guidelines for key products, and guided the branches to increase the medium and short duration products, high fee products and electronics. The marketing efforts of channel products will effectively increase the income of agency insurance business. The bank formulated a special marketing plan, set up special awards for large singles, held theme marketing activities, and supervised the Bank's focus on large-scale marketing. This year, it successfully sold 14 large-scale orders of more than 10 million yuan, and the total amount of premiums was 650 million yuan, of which April On the 19th, the successful marketing of a single premium of 240 million yuan, refreshing the national ABC system insurance large single record. (Yang Guanglin Yue Bao)
Sichuan Shifang Sub-branch serves high standard farmland construction
Recently, the Agricultural Bank of Sichuan Shifang City Branch “High-standard Farmland Project in the West District of Shifang City†issued a fixed asset loan of 100 million yuan to support the construction of a total of 100,000 mu of high-standard farmland in the local area, so that farmers can get benefits.
When it was learned that the Shifang Municipal Government launched a high-standard farmland promotion project, the Shifang City Branch actively cooperated and strengthened the cooperation between the banks, the government and enterprises. The account manager team tracks the progress of the business, feedbacks the customer's needs in a timely manner, and formulates a project financing plan that suits the needs of the government and the actual needs of the owner. At the same time, speed up the progress, improve operational efficiency, and quickly organize the submission of materials, laying a solid foundation for the smooth implementation of the project. The successful marketing of the project has achieved a new breakthrough in the field of the Sichuan Agricultural Bank System. (Dai Peihua Daizidu)
Liaoning Linghai Sub-branch helps laid-off workers to start businesses
The Agricultural Bank of Liaoning Linghai City Branch has taken on social responsibility. Recently, it has successfully issued a small-scale venture loan of 5.06 million yuan for unemployed people with financial guarantee funds to support 68 laid-off workers.
The Linghai Sub-branch signed a cooperation agreement with the local Labor and Employment Administration and the Finance Bureau for the small-guarantee entrepreneurship loan for unemployed persons. The bank organized personnel to go deep into the business circle and community to understand the funding needs of the unemployed. At the same time, lower the threshold for credit entry, simplify the business process, provide various preferential policies such as interest rates and deadlines, and successfully issue small-scale venture loans for financially guaranteed unemployed people, which has been well received by the local government and the masses. (Xu Sheng)
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