Shangrao is a famous old revolutionary area. There are four state-level poverty-stricken counties, namely Shangrao County, Hengfeng County, Yugan County and Shuyang County. The city's poverty population is 380,300, accounting for 5.66% of the city's total population. The task of poverty alleviation is arduous. .
“Providing flexible and efficient inclusive and preferential financial services for poor areas.†Li Qun, secretary of the Party Committee and Director of the Shangrao Banking Supervision Bureau of Jiangxi Province, said in an interview that this is what the Shangrao banking industry can do and is doing. .
According to reports, Shangrao Banking Supervision Bureau attaches great importance to financial poverty alleviation work, effectively strengthens organizational leadership, overall deployment and coordination, and guides banking institutions within their jurisdictions to establish a sound working mechanism, fulfilling the responsibility of precise poverty alleviation, and continuously increase the intensity of credit supply to poverty-stricken areas. . As of the end of June, the balance of various types of poverty-stricken counties in the four state-level poverty-stricken counties reached 35.996 billion yuan, an increase of 3.866 billion yuan from the beginning of the year, an increase of 8.65%, higher than the average growth rate of the city's loans by 1.05 percentage points.
With the financial support of the banking industry, this battle for poverty alleviation with the focus on precision poverty alleviation and pairing assistance has quietly started in the northeastern part of the country, and the poor villages are undergoing a “beautiful transformationâ€.
Finding the right eye to promote preferential poverty alleviation
Poverty alleviation must have a goal, and it must have a main direction. Li Qun introduced that Shangrao Banking Supervision Bureau actively guides banking institutions to help poor areas improve infrastructure, improve production and living conditions, and increase farmers' incomes as the main direction of poverty alleviation, helping to achieve poverty alleviation. The implementation of financial poverty alleviation and fragmentation system, in which the rural cooperative institutions within the jurisdiction of 155 townships, agricultural banks to carry out 43 townships, the Postal Savings Bank to carry out 12 townships, and required to achieve the "three full coverage" goal, namely: responsible bank The full coverage of townships and towns, the construction of the credit card for the poverty-stricken households, and the full coverage of the credit card for the poverty-stricken households.
At the same time, we will guide banking institutions to adopt differentiated and differentiated financial poverty alleviation measures in combination with their respective characteristics: urge policy banks to support infrastructure construction projects that require long-term concentrated investment; and promote agricultural banks and postal banks to focus on new agricultural business entities. Credit support; encourage rural cooperative institutions to base themselves on county and townships, innovate poverty alleviation products, and provide tailor-made financial services for the poor.
Guide banking institutions in poverty-stricken areas to continue to sink the focus of services and realize the basic financial services “village-to-villageâ€. As of the end of June, there were physical outlets in 252 villages in all administrative villages, and 1921 villages were equipped with electronic equipment, and the coverage rate of financial services reached 100%. On this basis, the various agriculture-related institutions are required to further enrich the service functions such as inquiry, bank card, microfinance application acceptance and various agency services, and expand channels such as electronic channels, mobile services, and agency agents to realize modern payment and settlement tools. Poor areas to the village to the household.
Find the right point to push the industry to alleviate poverty
Shangrao Banking Supervision Bureau actively organizes banking institutions to combine the actual situation and resource advantages of poverty-stricken villages to create a “leading enterprise + industry + employment†poverty alleviation model, focusing on supporting industrial projects with good development prospects and rich people's driving effects, and supporting the development of local characteristics. industry. As above, Rao County actively promotes the industrial poverty alleviation of the characteristic breeding industry. At present, the county has established more than 1020 breeding industrial bases, driving 7776 people in difficulty to get rid of poverty.
At the same time, encourage banking institutions within their jurisdiction to launch financial products that meet the needs of poverty alleviation, such as Dexing's “curtain loanâ€, Wuyuan's “tea loanâ€, Wannian “live pig loanâ€, Hengfeng's “Gegen loanâ€, Guangfeng’s “Excavating the loan†and Yugan’s “agricultural loan†have accumulated more than 5 billion yuan of poverty alleviation loans, which has effectively promoted the development of characteristic industries in poverty-stricken areas. Wuyuan Rural Commercial Bank also launched a “Poverty Alleviation Loanâ€, a poverty alleviation micro-credit discount loan product, which has a credit rating of 130 million yuan for more than 5,000 households.
Guide the banking industry within the jurisdiction to introduce financial support for the implementation of the “Sweet Country†construction action plan, focusing on the construction of “simple villages†demonstration villages in various counties and cities within the jurisdiction, and effectively increase the modern agricultural economy, characteristic breeding enterprises and ecotourism industries. Financial support, actively support farmers to build beautiful villages, and realize the butterfly change from poor villages to beautiful villages. For example, the farmer's issue within the jurisdiction provides about 700 million yuan of loan funds for the creation of “Beautiful Villages and Happy Homes†in Hengfeng County, which is used to support the basic living conditions of local farmers, village environmental improvement, and livable rural construction.
Strengthening support points and strengthening linkage poverty alleviation
The Shangrao Banking Supervision Bureau actively builds an information platform in which the poverty alleviation departments and banking financial institutions participate, and timely understands the situation of local poorly established poverty-stricken households, poverty-stricken populations, poverty alleviation and development projects, and establishes long-term communication mechanisms to improve information sharing. Timeliness.
At the same time, actively promote the use of local finance special poverty alleviation funds in loan guarantees, coordinate financial funds to compensate for the losses caused by bank poverty alleviation loans, and further improve the enthusiasm of bank credit poverty alleviation. Based on the support of credit funds, it will help poor areas to strive for the tilt and support of local government industrial development policies, accelerate the improvement of infrastructure, develop characteristic industries, and achieve joint promotion of precision poverty alleviation and contiguous development.
Li Qun said that Shangrao Banking Supervision Bureau will continue to promote the banking industry to actively implement the central government's requirements and spirit of poverty alleviation and development in rural areas, actively fulfill social responsibilities, adjust poverty alleviation and development credit policies, actively develop inclusive benefits, preferential finance, and promote poverty alleviation through industrialization. Grasp the hand, support the characteristic agriculture, and achieve a virtuous circle of financial poverty alleviation; at the same time, actively coordinate and promote the local government to establish preferential policies for poverty alleviation loan risk compensation, agriculture-related insurance, etc., to achieve effective relief of financial poverty alleviation risks; through multi-party synergy, multi-measures In parallel, we will jointly promote the banking industry to carry out accurate poverty alleviation work, and help poor people within the jurisdiction to get rid of poverty as soon as possible.
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