How to give full play to the system guarantee and effectively enhance the times and effectiveness of moral construction? As early as seven years ago, Yuyao, Zhejiang Province took the lead in piloting and gradually popularizing the "moral bank" in China, and further created the 2.0 version of the "moral bank" this year, which exactly responded to the proposition of this era of moral construction.
The "moral bank" combines morality with credit and is linked with politeness. Covering all villages and communities in Yuyao, it has provided low-interest credit loans to more than 28,800 people, creating a good environment of honesty and morality in the whole society, which has been well received by Che Jun, secretary of Zhejiang Provincial Party Committee, and Zheng Shanjie, secretary of Ningbo Municipal Party Committee.
The "moral bank" has opened up a new road of moral construction, encouraging people to be more honest and trustworthy and enjoy the social civilization that matches the new era.
What is the gold content of "moral bank"?
The seven-year credit loan exceeds 2.4 billion yuan, and the executive courtesy is 3 15.
"Without the support of' Moral Bank', my business development could not be so smooth." In Shaojiaqiu Village, Linshan Town, Yuyao City, He, the owner of small and micro enterprises engaged in packaging production, is full of feelings for the "moral bank".
He has been engaged in packaging production since 1995. In his early years, he suffered from lack of funds. He applied to the bank for real estate mortgage and secured loan many times, but all of them gave up because the rural houses did not meet the mortgage conditions. In 20 12, Shaojiaqiu Village, where he is located, became the first pilot of Yuyao's "Moral Bank", and he who is usually enthusiastic about public welfare in the village became the beneficiary. Through the "Moral Bank", he obtained a credit of 200,000 yuan to develop production.
Huang Baokang, secretary of the general branch of the village party, said: "The' moral bank' takes civilization as the guarantee and morality as the mortgage, which provides a service platform and a new way for farmers to start businesses."
He told reporters that it is very convenient to apply for a loan through a "moral bank". It only takes one week from application to approval, and the interest rate is lower than that of ordinary mortgage loans. The year before last, his "moral bank" credit line was raised to 500,000 yuan. It feels like a' credit card', with 500,000 in your pocket and ready to use.
Financing is difficult and expensive, which has always restricted rural development. Yuyao introduced a bank credit platform, which enabled villagers to keep their promises, do good deeds and serve the public welfare, while obtaining more convenient and affordable funds and credit.
"From the current practice, it is very effective to use honesty as collateral and directly grant credit. For farmers, the loan of' Moral Bank' is timely, convenient and cost-effective. " SunJiFeng, president of Yuyao Rural Commercial Bank, said that taking the loan amount of 1 year of 200,000 yuan as an example, according to the current interest rate, farmers can pay about 3,000 yuan less interest on loans from "moral banks" than ordinary loans and can repay them at any time. "In the past seven years, we have issued a total of 2.453 billion yuan of' moral bank' credit loans to more than 28,800 people, which has strongly supported farmers to start businesses and become rich, so that good people can gain from virtue."
On 20 17, Yuyao launched the "moral green card", which is called the upgraded version of the "moral bank"-that is, only those who are rated as good people at all levels can hold it. At present, over 570 cards have been issued. By presenting a green card, cardholders can enjoy various caring benefits, such as preferential bus rides, free movies and discounts on consumption.
Since the beginning of this year, Yuyao has collected 3 15 kinds of courtesy awards, including "moral green card" holders or their children's childcare fees per semester, food subsidies 1500 yuan, and nutrition lunches for primary and secondary schools in 750 yuan. Good people also give priority to participating in and discussing state affairs. In the past seven years, 2 1 good people around us have been elected as party representatives at all levels, 23 have been elected as deputies to people's congresses at all levels, and 7 have nominated and recommended CPPCC members at all levels.
"Being able to get a' moral green card' is a great courtesy for volunteers." Xie, winner of outstanding individual award for young volunteers in China, "the most beautiful Ningbo person" and head of Yuyao Ant Public Service Center, said, "We never want to ask for anything in return as volunteers. We feel warm and deeply appreciate the respect for good people from all walks of life. We really feel that our volunteers are not fighting alone, nor as a team, but thousands of Qian Qian citizens are supporting us. "