Xiaolan Village Bank, with Jiujiang Bank as the main sponsor and nine non-financial institutions such as Zhongshan Urban Construction Investment Group Co., Ltd., is a joint-stock banking financial institution that provides financial services for the development of agriculture, rural areas and rural economy in its jurisdiction.
The orientation of Xiaolan Village Bank is to serve agriculture, countryside and farmers and small and medium-sized enterprises. The customer decides that the service mode of the bank must be intensive, and it is necessary to design a credit plan for each customer separately and make it tailor-made. Therefore, they put forward the business philosophy of "throwing away the telescope and picking up the microscope".
"Throw away the telescope and pick up the microscope" means that to provide financial services for small enterprises, we should not aim too high or follow our feelings, but observe carefully and become friends with small business owners and farmers who know each other and help each other.
By the end of March 2009, total assets of Xiaolan Rural Bank were 496.23 million yuan, balance of various deposits was 248.22 million yuan, and balance of various loans was147.8 million yuan. At the end of March, the loan balance of Xiaolan Village Bank for SMEs was 82 million yuan, accounting for 55.54% of the loan balance. The balance of agricultural loans was 36.84 million yuan, accounting for 24.92% of all loans, including 2.9 million yuan from farmers, 23.5 million yuan from rural communities and/kloc-0.044 million yuan from farmers' investment enterprises. The balance of personal loans was 28.96 million yuan, accounting for 19.5% of the total loan balance, including personal business loans of 27.25 million yuan and personal consumption loans of 1 7 1 10,000 yuan.
In view of the problems that Xiaolan Village Bank "cannot issue cards and print checks, and the basic functions of the bank are still missing", the Guangdong Provincial Financial Office said that at present, the People's Bank of China has agreed that Xiaolan Village Bank will join the People's Bank of China's payment system as an indirect agent and agree to make checks for Xiaolan Village Bank. At this point, the basic functional problems of Xiaolan Village Bank have been basically solved.