Strengthening connections and introducing financial support programs tailored to local conditions
1. The three departments of the Construction Bank jointly convened a kick-off meeting for the work of the "Five Links"
May 2021 On May 26, the Party Affairs Department, Rural Revitalization Finance Department, Strategy and Policy Coordination Department and Hunan Branch of the Construction Bank of China jointly held a kick-off meeting for the "Five Links" work in Changsha, Hunan Province.
The Department of Rural Revitalization Finance and the Department of Strategy and Policy Coordination attach great importance to the work of the "Five Links" and have set up a special working group within the department. Activities and practice of new financial action organically combined, and strive to produce more models, more experience, more results, and strive to create benchmarks and typical, help grass-roots governance, service national strategy.
2. Shanghai - "Ten Articles for Rural Revitalization"
Shanghai Branch, in conjunction with Shanghai's "14th Five-Year Plan" and the policy guidance of the "Three-Garden Project", has launched the "YuNongTong" project, which is a new initiative to promote rural revitalization in China. The "YuNongTong" rural coverage started the "three-step" financial service rural revitalization, signed a strategic cooperation agreement with the Municipal Agriculture and Rural Development Commission, launched the "Ten Implementing Opinions of CCB Shanghai Branch on Deepening Financial Services for Rural Revitalization", and initiated the "100-Day Action of New Finance". "The new financial 100-day action, the creation of "rural revitalization harbor", committed to building the harbor as the villagers of the village affairs hall, financial services hall and folk culture hall, comprehensively promote the financial services rural revitalization.
3. Tianjin - Rural Revitalization Financial Services "Golden Nine"
Tianjin Branch has launched nine "hardcore" measures for financial services for rural revitalization, to accelerate the high-quality development of Tianjin's agricultural industrialization, and to guide the flow of various types of resources and elements to the agricultural industrialization field. The measures have been well received by the public. As soon as the measures were launched, they received widespread attention and praise from all walks of life, with mainstream media reporting on them and rural people praising them, and were hailed as the "Golden Nine" that helped revitalize the countryside.
4. Sichuan - "Sixteen Measures to Enhance the Service Guarantee for Migrant Workers"
Sichuan Branch, in response to the "Sixteen Measures to Enhance the Service Guarantee for Migrant Workers" formulated and issued by the provincial government, empowered the government with "financial technology" and launched the "Financial Service Guarantee for Migrant Workers" program, which was launched by the Sichuan Branch. The "Five Initiatives of Financial Services and Protection for Migrant Workers", namely, assisting in life services, employment and entrepreneurship, rights and interests protection, family care, and the creation of a social culture, were refined into sixteen specific measures.2021 In June 2021, in order to better implement the sixteen measures, the branch cooperated with Sichuan Migrant Workers' Service Center to extend the bank's Migrant workers services seafaring to the Sichuan Migrant Workers Service Platform, the establishment of covering the life of production, employment and entrepreneurship, social security and medical care of migrant workers financial services special zone.
Specializing products and innovating financial service products for farmers
1. Innovating "YuNong Express Loan"
Satellite remote sensing application on line
On March 28, 2021, "YuNong Express Loan" satellite remote sensing application was launched in Hebei, Yunnan Province, China. remote sensing application was successfully piloted in five regions in Hebei and Yunnan***. This project is the first time that a large state-owned bank will be the innovative application of satellite remote sensing technology in the field of rural revitalization of financial services, in the "YuNong Express Loan" for farmers to increase the credit enhancement applications based on satellite remote sensing technology, financial technology in the "satellite agricultural finance" field to achieve a new breakthrough, farmers The problem of difficult loans for farmers has found a feasible breakthrough.
Scoring card agricultural insurance model on line
Construction Bank actively cooperates with China Bank Insurance Information Technology Management Co., Ltd. to study and analyze the insurance data of national farmers' planting and breeding. By accessing agricultural insurance data for use in business scenarios such as risk profiling of farmers and precise credit granting, it improves its ability to refine management and risk prevention for farmers of different subject types and business types. On May 28, 2021, the function of agricultural insurance credit enhancement in the credit version of "YUANONG QUICK LOAN" was successfully launched. Through the introduction of agricultural insurance data, it improves the accuracy of risk evaluation for agricultural insurance customers.
Post-credit management system on line
Construction Bank strengthens financial technology empowerment and application of agriculture-related big data, comprehensively utilizes post-credit management tools such as monitoring and warning, quota control, overdue collection, and visualization of the wind control platform, to continually follow up on the borrower's creditworthiness, the behavior of loan fund expenditure, and the use of loan funds, effectively preventing and controlling the risks of fraud and money laundering, and guaranteeing that the "YuNong Express Loan" credit version of the agricultural insurance has a high level of risk assessment. "The quality of the assets of YUANONG QUICK LOAN promotes the sustainable and healthy development of the business.
2. Facilitating daily payments in rural areas
"YuNongTong" credit card benefits farmers
Construction Bank launched the Dragon Card "YuNongTong" credit card, by virtue of the card's unique financial, scientific and technological and service advantages empowered by the countryside, The credit card will benefit farmers. In order to better empower the revitalization of the countryside and to serve customers in rural areas, since 2021, the "YuNongTong" credit card rights and interests in addition to the original rights and interests of farmers, the addition of free agricultural guidance and consultation and preferential agricultural products logistics two rights and interests of farmers. In addition, the "YuNongTong" credit card continues to waive the annual fee for the main and supplementary cards, SMS service fee and cash withdrawal fee of the Bank, and superimpose the local "YuNongTong" special offers to create a diversified "YuNongTong "The company's service model is unique.
"Yudao-Huinong" cash management in the countryside
Construction Bank focuses on the pain points and blockages in the management of grassroots government funds, the reform of rural land property rights system and the ecological layout of the rural supply chain, and is actively exploring, taking the initiative, and innovatively promoting the downward sinking of financial services, focusing on improving payment and settlement, liquidity management, information reporting, and fund supervision services. The bank has been actively exploring and taking the initiative to promote the sinking of financial services, focusing on improving the convenience and adaptability of payment and settlement, liquidity management, information reporting, and capital supervision services, and exploring the creation of the Bank's "Yudao-Huinong" comprehensive cash management solution, and striving to create a new path for rural revitalization empowered by financial innovation.
3. Protecting Agricultural Production and Operation
Commodity Hedging Helps Agricultural Modernization
The Heilongjiang branch integrates commodity hedging business in the financial market into the comprehensive financial service program for customers of family farms and farmers' cooperatives, helping to guard against drastic fluctuations in domestic and foreign commodity markets, achieving sound operation, and helping to cultivate and expand family farms and farmers' cooperatives. Since 2021, the branch has taken the service of county agricultural customers as the starting point, and is committed to providing more comprehensive customer service programs for agricultural business entities through the continuous improvement of the popularity and market influence of the Bank's commodity hedging business, and helping the better and faster development of agriculture in Heilongjiang Province.
The first hog "insurance futures bank" landing
Constructive letter futures and Shaanxi Province Hanzhong Branch, together with PICC Hanzhong Branch, successfully landed the first hog "insurance futures bank" mode. The hog "insurance futures bank" model is not only the first hog price insurance in Shaanxi Province, but also introduces its innovation into the bank's credit management for hog farmers, which not only reduces the impact of market price fluctuations on small hog farming enterprises, but also improves their ability to finance their operations.
4. Helping farmers manage their wealth
"Rural revitalization"-themed financial products
In April 2021, the Construction Bank launched "rural revitalization"-themed financial products in Hebei province, with the percentage of purchases by farmers in county townships reaching 60%. This is a successful exploration of the Bank's rural revitalization strategy by sinking mainstream financial management products into the countryside and villages so that farmers can enjoy financial management services and product benefits, which will help cultivate rural residents' awareness of financial management.
Affordable insurance for rural residents
Construction Life has launched the "Love Insurance" anti-epidemic insurance product for townships and rural people through the "YuNongTong" APP. Farmers can get accidental injury and accidental medical insurance covering new coronary pneumonia with a minimum premium of 20 yuan; at the same time, in response to the protection needs of returning to their hometowns and villages, Jianxin Life has launched the "Auspicious Three Insurance" multiple travel protection plan, which is flexible in combination and offers a low price. In order to do a good job of the "healthy countryside" action, to provide farmers with practical protection.
Relying on science and technology to build a comprehensive rural service platform
1. Digitization nurtures a new ecosystem of rural grassroots governance
Construction Bank is actively building a new ecosystem of digitized rural grassroots governance services, and is further advancing the sinking of the center of gravity of the smart government services, opening up the last mile of services to the national and provincial, municipal, county, and rural government systems. "to build a new pattern of grassroots government G-end connection development. First, the spirit of the "Fifth Plenary Session of the CPC Central Committee" will lead the new financial action and help the development of urban and rural internal circulation. Secondly, it implements the concept of digital management and builds a new platform for rural capital supervision, property rights trading and intelligent village affairs. The third is to accelerate the innovation of comprehensive social security services in villages by focusing on the flow of social security funds, entrepreneurship of retired military personnel and the integration of governmental platforms.
2. Digital credit score empowers rural governance
Construction Bank explores a new model of credit system construction and builds the Yonglian credit system construction solution in Suzhou. The overall program combines social credit and financial credit to build a digital credit score for Yonglian Village called "Yonglian Score". On the one hand, the credit score is developed for social credit evaluation, such as human housing management, family civilization points and other local characteristic data, so that the credit score generates "civilized wind"; on the other hand, the credit data product "Longxinshang" score is introduced for financial credit evaluation, which measures the villagers' financial credit level and provides practical solutions for the villagers. On the other hand, we have introduced a credit data product called "Longxinshang" for financial credit evaluation, so as to comprehensively measure the financial credit level of villagers and provide them with practical credit life service benefits. The three-color "credit code" can be displayed and queried quickly through multiple channels, leading to the upgrading of rural governance and residents' credit life, and empowering the construction of digital villages with credit.
3. "YuNongTong - Countryside Circle" enriches the social life in the countryside
Construction Bank has created the "YuNongTong - Countryside Circle" social life service in the countryside. Whether you are a resident of your hometown or a traveler, villagers scattered all over the world can join "My Village", share interesting stories about their hometowns with each other, find childhood playmates, and care for left-behind elderly people and children, so as to provide support for their nostalgia and affinity for each other. Meanwhile, there are expert workshops in the "village circle", where you can get professional guidance from agricultural experts, entrepreneurs who have returned to their hometowns, wealth leaders and rural teachers. The "village circle" village affairs treasure chest, open the digital village management new mode, so that the policy convey more convenient, village affairs information more transparent, voting more easily. 2021 since February on-line trial run, has joined the villagers 60,000 people.
4. "CCB Cloud" takes care of rural revitalization
In the strategy of helping rural revitalization, there is a cloud full of hope - "CCB Cloud". It is built by the Construction Bank using industry-leading cloud computing technology. Cloud resources, service support, security protection and stable operation is its warmest care for rural revitalization. On this "cloud", it carries 12 projects in 7 business areas, including "YuNongTong", rural revitalization services, supervision of rural collective three capitals, transfer of rural land contracting rights, sunny village affairs, rural property rights trading, and beautiful countryside, with service objects covering government agencies, village committees, economic cooperatives, agriculture-related enterprises and villagers at all levels.
Extensive cooperation with all walks of life*** with the construction of a beautiful countryside
1.Through Train-Construction Bank Credit Through Train first single landing in many places
May 13, 2021, the Ministry of Agriculture and Rural Affairs issued the Notice of the General Office of the Ministry of Agriculture and Rural Affairs on the Development of New Agricultural Business Subjects Credit Through Train Activity. The credit through train is to use the new agricultural management subject information reporting system to obtain the financing needs of cooperatives and family farms, and through the guarantee service of the national agricultural credit guarantee system, the bank will issue loans for the management subject to create a "management subject direct reporting needs, agricultural guarantee companies to provide guarantees, and bank credit support". Through the guarantee service of the National Agricultural Credit Guarantee System, banks issue loans for business entities, creating a "direct reporting of needs by business entities, guarantee provided by agricultural guarantee companies and credit support from banks" model. Up to now, the construction bank through train activities in Beijing, Hebei, Zhejiang, Guangdong, Sichuan and other places to realize the jurisdiction of the first single landing.
2. Beidahuang Reclamation Group - reached a strategic cooperation agreement
March 31, 2021, the Construction Bank and Beidahuang Reclamation Group Limited held a strategic cooperation agreement cloud signing ceremony. Wang Hao, vice president of the head office, and Yang Baolong, general manager of Beidahuang Group, attended the signing ceremony.
Beidahuang Group is China's largest arable land, the highest degree of modernization, the strongest comprehensive production capacity of the country's important commodity grain base and grain strategic reserve base. With the consent of the State Council, it is defined as a "commercial state-owned enterprise whose main business is in the important industries and key fields related to national security and the lifeline of the national economy, and which mainly undertakes major special tasks".
The two sides will strengthen the foundation of business cooperation, promote cooperation in building a modern agricultural industrial system, support food security production, agricultural digital construction and other areas, and constantly deepen the strategic partnership, forming a joint force **** with the service of rural revitalization strategy, and promote the high-quality development of three agriculture.
3. Inner Mongolia Autonomous Region Department of Agriculture and Animal Husbandry - Inner Mongolia branch signed a strategic cooperation agreement
April 30, 2021, Inner Mongolia branch and the autonomous region's Department of Agriculture and Animal Husbandry signed a strategic cooperation agreement on financial services for rural revitalization. At present, 18 flag counties in the region on-line land transfer platform, through the point to lead the face, full support for the autonomous region "digital agriculture and animal husbandry" platform construction, the financial water precision drip irrigation to the rural and pastoral areas, to help the autonomous region to realize the revitalization of the countryside.
The Department of Agriculture and Animal Husbandry of the Inner Mongolia Autonomous Region fully recognizes the land management right transfer platform, rural property right transaction service platform and the three capitals platform provided by the Construction Bank and says that the Construction Bank has both scientific research strength and economic strength, and has certain practical experience, which has laid a solid foundation for the region's "three farmers and three herdsmen" to plug in the wings of finance. It has laid a solid foundation for the work of "Three Rural and Three Husbandry" in the whole region. I hope that the construction bank to actively participate in building "digital agriculture and animal husbandry" platform for the region's agricultural and animal husbandry informatization construction to contribute to the wisdom of the construction bank.
4. Guiyang Agricultural Investment Group - Creating the "Guinong Model"
Guizhou Branch has applied new financial concepts to help Guiyang Agricultural Investment Group solve the pain and difficulty of the "last kilometer" of agricultural products from the land to the dinner table, from the construction of vegetable bases to the operation of logistics parks to the development of the "last kilometer" of agricultural products, from the construction of vegetable bases to the operation of logistics parks to the development of the "last kilometer" of agricultural products. Vegetable base construction to the logistics park operation to the household food basket, to create "one end connected to the farmers in the field, one end connected to the thousands of households of the public" "Guinong mode" has been praised by the government, enterprises, citizens, farmers.
5. "Good Finance Business" - opening a special product hall
Construction Bank to explore and practice "rural revitalization e-commerce" new model, promote joint "Xingxiang help farmers" model. The bank is also promoting the joint "Xingxiang help farmers" model.
The Bank cooperated with external organizations such as the Party, government and military organizations, the Federation of Industry and Commerce, the Securities and Exchange Commission, central enterprises, universities, local state-owned enterprises, and social organizations to build a central enterprise poverty alleviation pavilion, and moved the sales of small commodities and agricultural products from the areas targeted for poverty alleviation by the central enterprises to the online market. As of May 2021, the transaction volume of the "Shanrong Business" personal mall for poverty alleviation and agricultural development had exceeded 40 million yuan in the same year.
Construction Bank, together with the China Women's Development Foundation, opened the "Sunrong Business Mulan Pavilion", practicing the concept of "public welfare Internet", and innovatively carrying out the love shopping donation activities, whereby every time a customer buys a piece of public welfare merchandise, 3% of the order amount will be donated to the China Women's Development Foundation's "Mulan Hall". 3% of the order amount will be donated to China Women's Development Foundation's "@She Entrepreneurship Program" to further increase the support for female entrepreneurs.