Giving full play to the role of credit funds: changing "diffuse irrigation" into "precise drip irrigation"
In order to maximize the effectiveness of credit funds in the battle against poverty, in recent years, Guizhou Province, the Federation of Rural Credit Unions on the establishment of a file card poor households The company's "special loan" is a precise and accurate one. To provide "50,000 yuan, within three years, collateral-free, poverty alleviation subsidized interest, county-level risk compensation" low-interest, low-cost loans to poor households, to help poor households to develop production.
Since the implementation of the "preferential loan" policy, a total of 49.9 billion yuan of "preferential loans" have been issued to 873,700 poor households, greatly improving the accessibility of loans to poor households and achieving good results.
To fully meet the credit needs of industry leaders in poverty alleviation. Adhering to the industry-led approach, it pries out precise poverty alleviation through supporting the development of specialty industries, and improves the precision and sustainability of financial poverty alleviation.
Promoting online services and exploring the new mode of "big data" poverty alleviation. This year, the Guizhou Province Rural Credit Union Union in accordance with the epidemic situation, in the "thousands of farmers cloud" platform to actively explore the "thousands of rural village pass", "thousands of farmers station" financial ecosystem construction, innovative launch "thousands of farmers fast", "thousands of farmers station" financial ecosystem construction, "thousands of rural village pass", "thousands of farmers station" financial ecosystem construction. The company has also launched innovative online products such as the "Thousand Farmers Express Loan" and the "People's Express Loan".
As of the end of June, there were 10.2 million registered users on the Thousand Farmers Cloud platform, and 2.14 million loans were issued online, amounting to 71.3 billion yuan, of which 70,000 loans were issued by Thousand Farmers Express, amounting to 2.1 billion yuan, and 110,000 loans were issued by People Express, amounting to 1.4 billion yuan.
Focusing on improving the sales system of agricultural products, it has opened 1,825 stores for farmers and small and micro enterprises through the Thousand Farmers Cloud e-commerce shopping platform, with more than 10,000 items on the shelves, of which 364,600 items of agricultural products were sold, amounting to nearly 48 million yuan.
Creating five business cards to help farmers out of poverty:
First, the "Rural Credit Project" has solved the problem of poverty. The first is the "Rural Credit Project", which solves the problem of poor farmers' difficulties in obtaining loans. Taking small credit loans for farmers as a starting point, Guizhou Province has carried out the creation of rural credit projects focusing on the creation of credit farmers, credit villages, credit townships, credit counties and cities. The creation of the system has increased the number of "preferential grades", lowered the evaluation conditions for poor households with documented cards, and increased the amount of credit granted, effectively improving the accessibility of financial services to the poor population in poor areas.
As of the end of June this year, registered farmers in Guizhou Province has reached 7.72 million, accounting for 98.18%; credit rating 7.1 million households, total credit granted 477.7 billion yuan, the average household credit 67,300 yuan; the province *** to establish credit groups 124,715, credit villages 12,925, credit townships (towns, streets) 986, credit counties (municipalities, districts) 21, credit city 1. The balance of small credit loans to farmers amounted to 193.4 billion yuan, accounting for 79 percent of loans to farmers.
Secondly, the Financial Service Center for Migrant Workers has made every effort to help migrant workers start businesses and find employment. In order to solve the problem of "empty ends" of financial services for migrant workers, 13 financial service centers for migrant workers have been set up in provinces and cities where Guizhou migrant workers are concentrated, such as Beijing, Guangdong, and Zhejiang, to provide migrant workers with financial knowledge, wealth information, and help in protecting their rights.
As of the end of June, there were 760,000 loans for migrant workers to start their own businesses, with a balance of 26.9 billion yuan, and 890,000 loans for migrant workers to return to their hometowns to start businesses, with a balance of 77.2 billion yuan. Among them, 14,600 poor households with established cards were supported in 2020, with loans amounting to 1.15 billion yuan.
It is the "new river every village" to open up the "last kilometer" of financial services. Guizhou Agricultural credit think of the masses, anxious masses of the urgent, solve the masses of the difficult. It works on the weak links of financial services for the people's livelihood, and provides equalized financial services for farmers in poor areas by building a comprehensive financial service network covering both urban and rural areas. Global unique identifier
As of the end of June, **** had set up 1,358 mobile service stations to help farmers fight poverty, providing services to 17,200 administrative villages. The mobile service stations to help farmers lift themselves out of poverty will focus on people in remote areas and those who are unable to go to the counter for business due to disability or old age, so that more people in difficulty can enjoy more effective and convenient financial services.
Fifth, the construction of "rural financial night school" to improve the ability of the poor to get rich. In response to the lack of financial knowledge of the majority of rural people, the innovative establishment of "financial night school", using the evening rest time of farmers, popularization of financial knowledge, professional skills and wealth information.
Fuquan, Changshun and other part of the bank combined with the actual development of the local industry, the innovation of the "rural financial school", to change the traditional financial evening school mobility, the place of the unstable factors, to provide farmers with a stable and comfortable learning environment, and actively cultivate a new type of farmers have the culture, technology, will be able to operate.
By the end of June, Guizhou Province has organized more than 39,900 financial night school, training more than 1.1 million people.
Bravely assuming social responsibility: combining "social welfare" and "financial poverty alleviation"
Establishing the Xinhe Public Welfare Foundation to help the development of society and people's livelihoods In April 2013, Guizhou Rural Credit Union Union initiated the establishment of the Guizhou Xinhe Public Welfare Foundation to help the development of society and people's livelihoods through the establishment of the Guizhou Rural Credit Union Federation. In April 2013, Guizhou Rural Credit Union Union initiated the establishment of Guizhou Xinhe Public Welfare Foundation, which has donated 201 projects to poor areas with a donation amount of 3.56 billion yuan through gratuitous donations to social and livelihood undertakings such as the Spring Festival Action, Hope Primary Schools, poverty alleviation and eco-migration, and medical and health care.
In Bijie, the agricultural credit system to establish the "11" caring and nurturing dream project, so that children in mountainous areas to realize the dream of college; in Weining Shimen, rural credit bursary fund to help poor students to grow; in Zhenfeng Lurong and other 20 special difficulties in the townships, "hot water bag The "Hot Water Bag" project brings winter warmth to primary and secondary school students in mountainous areas, allowing children to drink hot water and take hot showers; in the "93" key counties and districts to carry out "poverty alleviation, industrial development, health walk" activities, donating 36 million yuan for educational facilities, revitalization of local industries, and the development of the local community. The company has donated 36 million yuan for education facilities, revitalization of local industries, village environment improvement and other funds, in an attempt to make the people in poor areas healthier and quickly get rid of poverty.
Consolidating the strength of the system and steadily promoting twinning assistance. Guizhou Agricultural Credit Society actively responded to the call of the Guizhou Provincial Party Committee and Provincial Government to fully support the poverty alleviation and development work in Wuchuan through the establishment of mechanisms, donation of funds, building platforms, and twinning assistance. Over the past five years, Guizhou Agricultural Credit Society has invested a total of 19.095 billion yuan in credit funds and donated 256 million yuan free of charge to support Wuchuan's agricultural industry and cultural tourism.
Tourism industry, infrastructure, education and medical care and other industrial undertakings.
According to reports, 24 guangsha in Guizhou Province paired to help 25 poor villages in Wuchuan County, the implementation of helping funds of 30.39 million yuan, benefiting 29,155 poor households.
The establishment of the twinning help Sinan County village-level collective economy task force, the successive introduction of six programs to help Sinan County collective economic development, to Sinan County, Shuangshan, Guanpo Village, six twinning help villages each donate 1 million yuan of funds to support the development of the village collective economy.
Supporting the relocation of poverty alleviation and effectively helping landless farmers to transition smoothly. The Rural Credit Union Union of Guizhou Province has taken the initiative to dock and support the relocation project of Guizhou Province for poverty alleviation, so as to effectively solve the problem of one side of the water and soil not being able to support one side of the people.
As of the end of June, Guizhou Province Farmers Credit Union for 348,500 households relocated to ease poverty alleviation to establish a credit file, 30 banks launched to support the ease of poverty alleviation and relocation of credit products. In the province*** issued 5.334 billion yuan in loans to 96,200 households for poverty alleviation and relocation.
At the same time, the banks and associations actively follow up the construction of financial services and facilities, set up convenient network outlets in the resettlement areas, new autonomous machines, open financial service stations, and donate the construction of hope elementary school and kindergartens in some of the new immigrants' areas to help "move out, stabilize, and be able to get rich".
Feeding the "three rural areas" and wholeheartedly assisting in the fight against poverty. The Rural Credit Union Union of Guizhou Province, closely surrounding the major deployment of the Guizhou Provincial Party Committee and Provincial Government, continued to increase "support for agriculture and support for small" financial services, the implementation of a series of preferential policies for the benefit of the people to significantly reduce fees. The first in the country to implement the agricultural subsidies provincial agent distribution, gratuitous agent to pay the central and provincial arrangements for agricultural subsidies of more than 50 billion yuan.
Since 2018, Guizhou Provincial Farmers' Credit Union has implemented preferential loan interest rates of 10.5 billion yuan, only "preferential loans" totaling 3.4 billion yuan; the poverty alleviation industry fund interest rate cuts 360 million yuan; reduce (exempt) service charges 140 million yuan. Since the outbreak of the epidemic this year, the implementation of interest rate concessions and reductions and exemptions of 968 million yuan.
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