As an important part of the retail and credit field of Agricultural Bank of China, personal credit business has played an active role in ensuring residents' home ownership and entrepreneurship, and satisfying residents' necessary consumption activities. In recent years, Agricultural Bank of China insists on "blood transfusion" for the real economy, constantly innovates the service mode, promotes the information filing of farmers and merchants, and effectively meets the credit needs of small and micro owners and farmers in urban and rural areas. During this year 1- 10, the growth rate of individual loans at the county level of ABC was 16.5%, which was 4 percentage points higher than the growth rate of various loans. The balance of personal loans related to agriculture exceeds 2 trillion yuan, and the balance of personal business loans exceeds 1 trillion yuan. At the same time, ABC will focus on improving the consumption level of urban and rural residents and enriching customers' demand for housing, transportation, entertainment and supporting facilities. The incremental market share of personal consumption loans continues to lead.
In order to liberate the productivity of account managers and improve the satisfaction of individual customers, China Agricultural Bank continuously optimizes the functions of personal credit business system, and strives to create a product service process of "convenient application, free repayment, intelligent marketing and intelligent management". Agricultural Bank of China has launched online credit products such as "home-to-e loan", "online loan link", "peace of mind and easy housing" and "I enjoy loan", which greatly simplifies the steps of loan, and customers do not need to go back and forth to the bank many times and fill out applications repeatedly. Customers can apply for loans through pocket bank, which basically realizes pure online second-level response, and the average business processing time is doubled. While enriching the supply of credit products, ABC has also introduced a number of fee reduction and profit-making measures to further reduce the financing costs of individual industrial and commercial households. "Agricultural service, making progress every day" is not only the strict requirement of Agricultural Bank of China, but also the service commitment brought by Agricultural Bank to customers.
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