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 large-scale state-owned commercial enterprise with nearly 40,000 outlets covering urban and rural areas and deep network sinkingBank, China Postal SavingsBank(Hereinafter referred to as “Postal Savings Bank”) Developed a strategic plan for serving rural revitalization for the current and future period, and is committed to building a digital finance 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 agricultural 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 “three rural” work 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 or 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 distributed 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 rank 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 Unit, summarized the advantages of: network, customer base, distinctive model, brand image, and postal-bank synergy.
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; “customer base” is reflected in the more than 600 million individual customers served by Postal Savings Bank, of which more than 400 million are distributed in rural areas at and below the county level.
In terms of “special model”, Shao Zhibao said 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.Online 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, postal and banking synergy.” Shao Zhibao said that Postal Savings Bank and China Post have a network covering both urban and rural areas, covering the whole country, and have genes for serving “agriculture, rural areas and farmers” 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 into 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 done a lot of exploration in post-bank collaboration, focusing on building a cooperative ecosystem that benefits farmers. In order to do a good job in rural financial services in the new era, 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 family farms, farmer cooperatives and other rural customers, 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”.
Improve the capacity of consumer service in counties and regions
At present, my country is accelerating the construction of a new development pattern with domestic and international double cycles as the main body and mutual promotion of domestic and international double cycles. It is clearly stated in the “14th Five-Year Plan” to improve the new urbanization strategy and comprehensively promote rural revitalization. Under the guidance of the policy of coordinating the development of a new type of 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 response, 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 townships 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, children’s education, 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 issued in counties and below has reached 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 around a full range of loan servicesOnline 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 in real time. Generally, the application result can be fed back in about 10 minutes. Achieved 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 the 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-cost vehicle for customers in rural areasinterest 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 Order Car Season”, and cooperate with more than 10 cooperative car manufacturers to select more than 20 active models and cooperate to launch zero interest. Loan financial preferential policies, and carry out “Hundred Cities and Thousand Counties” joint marketing activities to provide convenience and benefits for people in counties and townships to watch and choose cars at their doorsteps, and to 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, continuously improve the service capabilities of consumer finance in the county and below regions, and serve the consumer finance needs of the people,” said Li Jingshu.
Promoting rural revitalization in an all-round way is a long-term historical task. It places new requirements on financial institutions’ services for the “three rural” work, and also creates new opportunities. 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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