During the “14th Five-Year Plan” period, the country comprehensively implemented the rural revitalization strategy and accelerated the modernization of agriculture and rural areas. This major decision puts forward new requirements for the work of “agriculture, rural areas and farmers” in financial services, and at the same time creates new opportunities.
As a state-owned large-scale commercial enterprise with nearly 40,000 outlets covering urban and rural areas, and a deep network sinkingBank, China Postal SavingsBank(Hereinafter referred to as “Postal Savings Bank”) Developed a strategic plan for serving rural revitalization at present and for a period of time in the future, and is committed to building a digital financial service for rural revitalization.Bank, To contribute more to the overall promotion of rural revitalization. It is understood that during the “14th Five-Year Plan” period,Postal Savings BankWe will strive to invest no less than 500 billion yuan in agriculture-related loans every year, and do our best to provide financial services for rural revitalization.
Give full play to the synergistic advantages of the “Four Haves” and Postbank
At present, the fight against poverty has been fully victorious, and the focus of the country’s work on “agriculture, rural areas and farmers” has shifted to comprehensively promote rural revitalization.
The data shows that as of the end of 2020,Postal Savings BankIt has nearly 40,000 outlets, 70% of which are distributed in rural areas at and below the county level; more than 100,000 self-service devices have been deployed in the county area; a 40,000CreditTeam; serving more than 600 million individual customers, of which more than 400 million customers are located in rural areas at and below the county.
In terms of agriculture-related financing, as of the end of 2020,Postal Savings BankAgriculture-related loans have increased by more than 100 billion yuan for seven consecutive years, and the loan balance has reached 1.4 trillion yuan, accounting for about a quarter of the bank’s various loans. The balance of inclusive agriculture-related loans has exceeded 420 billion yuan. Both the proportion of loans and the balance of inclusive agriculture-related loans are among the top state-owned banks.Postal Savings BankSince the establishment of the micro-loan business in 2007, the total amount of micro-loans issued has exceeded 5 trillion yuan, and more than 40 million person-times have been served, with an average of more than 100,000 yuan.
Regarding the development of rural revitalizationPostal Savings BankShao Zhibao, Vice President of Postal Savings Bank of China and President of Sannong Financial Business Department, summarizes the advantages of: network, customer base, distinctive model, brand image, and post-bank collaboration.
Shao Zhibao said that “there is a network” reflected in the PSBC’s nearly 40,000 outlets, covering all cities and 99% of counties across the country (except Hong Kong, Macao and Taiwan). The resource endowment of the network connecting urban and rural areas; the “customer base” is reflected in the more than 600 million individual customers served by Postal Savings Bank of China, of which more than 400 million are distributed in rural areas at and below the county level.
In terms of “special model”, Shao Zhibao stated that the Postal Savings Bank of China has built a “4321” inclusive financial service system with the characteristics of Postal Savings Bank based on its own resource endowment, and createdOnline and offlineAn organically integrated service model. “4” is the four major systems, including marketing system, product system, operation system and risk control system. “3” is the three major guarantees, system, mechanism and team guarantee. “2” is the two major supports, cultural and technological support. Establish a financial service ecosystem through the “432” model; in addition, “have a good brand image.” Postal Savings Bank of China has always insisted on serving the “agriculture, rural areas and farmers”, urban and rural residents and small and medium-sized enterprises.
“In addition, we also have a significant feature and advantage, that is, post-bank synergy.” Shao Zhibao said that the Postal Savings Bank of China and China Post have a network covering both urban and rural areas, covering the whole country. They have genes for serving “agriculture, rural areas” and In the long-term service of “agriculture, rural areas and farmers”, it has formed its own advantages such as its own system and mechanism, talent team and brand image. Postal Savings Bank of China and China Post have integrated their advantages and coordinated to promote business flow, logistics,Cash flow“Three streams in one” will help solve the problems of “difficulties in financing”, “difficulties in sales” and “difficulties in logistics” in rural areas.
It is understood that in recent years, Postal Savings Bank of China has made many explorations in post-bank synergy, focusing on building a cooperative ecosystem that benefits farmers. In order to provide better rural financial services in the new era, the Postal Savings Bank of China, together with the Ministry of Agriculture and Rural Affairs and the Post Group, has launched a cooperative project to benefit farmers, and conduct joint visits to rural customers such as family farms and farmer cooperatives, and actively provide them with e-commerce, delivery, and finance. A package of comprehensive services to help “Agricultural productsInto the city, industrial products to the countryside”.
Enhance the capacity of consumer service in counties and regions
At present, my country is accelerating the construction of a new development pattern with the domestic big cycle as the main body and the domestic and international double cycles mutually promoting each other. It is clearly stated in the “14th Five-Year Plan” that we must improve the new urbanization strategy and comprehensively promote rural revitalization. Under the guidance of the policy of coordinating the development of new urbanization centered on people and comprehensive rural revitalization, the rigid housing and car purchase needs of the vast number of people in counties and townships have been effectively released. In terms of serving the consumer credit needs of people in counties and townships to buy cars and houses, what other relevant measures does Postal Savings Bank have?
In this regard, Li Jingshu, general manager of the Consumer Credit Department of Postal Savings Bank of China, said that under the guidelines and policies of the Party Central Committee, the Postal Savings Bank of China has implemented the concept of inclusive financial development and continuously improved its consumer credit service capabilities in counties and rural areas. As of the end of the first quarter of this year, the PSBC’s consumer credit balance in counties and below exceeded 800 billion, accounting for 36.31% of the bank’s consumer credit balance, and consumer loans in counties and below were only 150,000 yuan.
According to reports, the Postal Savings Bank of China has continued to focus on channels, services and partners to support the needs of people in counties and towns to buy houses and cars.
The first is to take advantage of channels to serve the coordinated development of rural revitalization and new urbanization.With the country’s targeted poverty alleviation and the comprehensive promotion of rural revitalization, the demand for home purchases by people in counties and townships for home purchases, newlyweds, education for children, and employment in cities continues to grow, which has supported county areas.real estateThe market is highly compatible with the channel advantages of Postal Savings Bank. The bank has increased the placement of housing loans in counties and below, and the balance of housing loans in counties and below accounted for 36% of the bank’s total housing loan balance.
The second is to promote digital transformation and improve service capabilities in county and rural areas.The Postal Savings Bank of China insists on technology empowerment and has built a comprehensive range of loan services.Online and offlineIntegrated consumer credit service model. It is reported that people in counties and townships can apply for consumer loans through a variety of channels, including the online mobile banking APP of Postal Savings Bank, WeChat Bank and offline outlets, all of which can be accepted immediately. Generally, the application result can be fed back in about 10 minutes. Realized intelligent and rapid approval.
The third is to work with partners to provide more favorable consumer financial services. Postal Savings Bank of China has strengthened cooperation and promotion, and cooperated with partners to jointly provide more favorable consumer financial services for people in counties and townships.In terms of car purchases by people in counties and townships, the Postal Savings Bank of China and auto manufacturers have jointly created a low-costinterest rateExclusive loan products, while focusing on strengthening cooperation with new energy vehicle manufacturers, so that people in counties and villages can get more preferential interest discount policy support on the basis of enjoying a 15% low down payment for new energy vehicles. It is understood that from the second half of this year to March next year, the Postal Savings Bank of China will carry out a nationwide campaign on the theme of “Country plus Mail Purchase Car Season”, and cooperate with more than 10 cooperative car manufacturers to select more than 20 active models, and cooperate to launch zero coupons. Loan financial preferential policies, and carry out “Hundred Cities, Thousand Counties” joint marketing activities to provide convenience and benefits for people in counties and townships to watch cars at their doorsteps and buy cars with loans.
“In the future, our bank is confident to continue to leverage its channel advantages, adhere to technology leadership, seize opportunities for rural revitalization, and continuously improve the service capabilities of consumer finance in the county and below regions to serve the consumer finance needs of the people,” said Li Jingshu.
The comprehensive promotion of rural revitalization is a long-term historical task, which puts forward new requirements and creates new opportunities for financial institutions to serve the work of “agriculture, rural areas and farmers”. It is reported that during the “14th Five-Year Plan” period, the Postal Savings Bank of China will continue to adhere to its positioning of serving the “three rural areas”, urban and rural residents and small and medium-sized enterprises, continue to strengthen technological empowerment, and accelerate the pace of digital transformation of “three rural areas” finance, in order to comprehensively promote rural revitalization. Contribute.
(Source: Caijing.com)
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