Recently, there has been a busy summer harvest scene across the country.On the vast fields, large combine harvesters galloped back and forth in the golden wheat waves, golden wheat grains spewed out from the grain outlet of the harvesters, and the faces of the wheat farmers were full of joy of harvest.
As a large state-owned commercial bank, Postal Savings Bank of China gives full play to its own endowment advantages, actively meets the capital turnover needs of farmers, new agricultural business entities, and customers in the grain storage and storage industry, provides diversified capital solutions, and uses financial strength to assist the return of summer grains. warehouse.
Innovative products accurately meet capital needs
Large grain producers carry out mechanized harvesting with the support of Postal Savings Bank credit
In order to meet the financing needs of farmers for the purchase of agricultural machinery during the wheat harvest season, the Postal Savings Bank, in cooperation with Golden Datian Technology Co., Ltd., innovatively launched an online model of "agricultural machinery purchase loan", which provides online credit loans for customers who purchase agricultural machinery to meet their capital needs.
At the same time, the Postal Savings Bank also focuses on branches in 13 major grain producing areas across the country, vigorously develops running water loans for the grain purchase industry, and provides large-amount credit loan support for grain dealers in the grain industry circulation link, with a maximum loan amount of up to Up to 3 million yuan, to help the grain purchase customer group to solve the problem of large capital turnover, and to support the orderly development of the market-oriented purchase of grain in various places.
Looking at the whole country, the branches of the Postal Savings Bank of China, taking into account the characteristics of "short-term, frequent and urgent" summer collection funds, innovatively launched special credit products according to local conditions, and took the initiative to visit and provide services.Postal Savings Bank Shandong Branch organizes various branches to actively connect with key channels such as grain storage enterprises and grain purchase points, establishes a directory of grain purchase customers, and provides door-to-door visit services. Products such as “guaranteed loan” and “industrial chain loan”.In response to the lack of credit information for customers in rural areas, the Shandong Branch of Postal Savings Bank of China implements "whitelist" customer access, and conducts online quota calculation through mobile banking, which greatly improves the success rate of customers' loan application and quickly meets customers' financing needs. .
Huaibei, Anhui is rich in wheat, soybean, corn and other grain crops, and is an important grain production base of the country.With the development of the grain planting industry, the scale of grain purchase customers is getting larger and larger, and the demand for funds during peak season is also increasing.In this case, PSBC Anhui Branch adjusts the elements of loan products in a timely manner. For grain purchase customers who have been in normal operation for more than 3 consecutive years, they can apply for a running water loan in the grain purchase industry with pure credit, and the loan amount can be up to 1 million yuan. .Up to now, Huaibei City Branch of Postal Savings Bank of Anhui Province has accepted a total of 112 operating loans for the grain purchase industry this year, with a total of more than 100 million yuan in loans.
Technology empowers "online + offline" intimate service
The account manager of Postal Savings Bank Hubei Branch visited customers and introduced the contactless online loan processing mode
"The mobile phone operation is really convenient, and the loan is pure credit, repayable at any time, and recyclable. It is very suitable for grain purchasers like me. Once the funds are withdrawn, the repayment can be made at any time, and the interest burden is light." In Wuxue City, Huanggang, Hubei Province Longxing Road, Longping Town, Wuxue City Xingyin Cereals and Oils Purchase and Sales Co., Ltd., under the guidance of the Postal Savings Bank Credit Account Manager, successfully applied for a small amount of 300,000 yuan "speed loan" through the Postal Savings Bank mobile banking. The convenient experience of lending without leaving home has been praised again and again.
In order to effectively support the summer collection work, the Postal Savings Bank adheres to the customer-centric approach and continuously improves the quality and efficiency of its services—opening up green loan channels for summer collection customers, prioritizing acceptance, and rationally simplifying the process; vigorously promote the contactless online loan processing model, and actively guide Customers use online products such as small-amount "speedy loans" and online credit user loans to improve loan efficiency and customer service experience.
In Hubei, the Hubei Branch of Postal Savings Bank of China has always been committed to providing financial services in all aspects of the grain industry chain.The bank actively connected the big data and agricultural machinery operation data of the Provincial Department of Agriculture and Rural Affairs, innovated and promoted "online + offline" loans such as "Extreme Loan + Chu Grain Loan", "Postal e-chain + Grain Purchase Loan", and simplified business by using technological means Through the process, customers can obtain loans as soon as ten minutes, so that grain buyers, grain and oil processing enterprises and other enterprises can enjoy online loans without leaving home.
As of the end of May, the Hubei Branch of the Postal Savings Bank of China has issued a total of 14.5 billion yuan in agriculture-related loans this year, a year-on-year increase of 31%; of which, a total of 4.57 billion yuan has been granted to summer customers, and 3.45 billion yuan has been invested.
Take the initiative to visit the credit village to build a "loan" to move the summer harvest
Postal Savings Bank Henan Branch staff introduced financial products and policies to grain buyers
"During the summer grain purchase season, there are hundreds of thousands of cash needs every day. The price of wheat is good this year. I am worried that there will be a shortage of funds. The staff of the Postal Savings Bank will send financial services to the door." Speaking of the Henan Branch of the Postal Savings Bank Mr. Wang, a large grain harvester in Zhangqiao Village, Ningling County, Shangqiu City, Henan Province, is full of praise for his service.
It turned out that as the summer harvesting work was in full swing, the staff of the Henan Branch of the Postal Savings Bank of China held mobile exhibitions and went deep into the county villages and fields to carry out the "door-to-door loan" activity.The account manager grasps the first-hand information such as summer grain growth, production, price, and estimated reserves by talking with the villagers, and distributes the summer harvest credit funds to the farmers in time.Up to now, the Henan Branch of the Postal Savings Bank of China has issued 688 million yuan of credit-type summer grain purchase loans.At the same time, in order to expand the coverage of services, the bank launched offline exclusive financing products such as "grain purchase loan" and "grain station loan", which complemented the online product "speed loan" and online credit user loan to meet the needs of various grain production and operation. The subject's individualized capital needs provide "one-stop" financial services for all links in the industrial chain such as grain production, warehousing, and sales.In addition, the bank also implements time-limited services and standard operations to fully support the warehousing and storage of summer grains and the return of pellets.Up to now, the Henan Branch of the Postal Savings Bank has issued 7.3 billion yuan in summer grain purchase loans this year.
At the same time, in order to improve the breadth and depth of financial services for agriculture, rural areas and farmers, the Henan Branch of Postal Savings Bank, based on the provincial conditions, builds a rural credit system by collecting information and rating credit for farmers, expanding the financing channels for “Sannong”, and opening up common Hui Finance's "last mile" has formed an efficient and accurate "small amount, wide coverage" active credit model.As of the end of May 2022, the bank has built a total of 46,900 credit villages, with 343,400 credit users.On this basis, the Henan Branch of the Postal Savings Bank of China actively established a big data platform for farmer household information, and promoted products such as exclusive online credit user loans and the "speed loan" credit model, so that information can generate credit, credit becomes credit, and credit promotes development.During the "Three Summers" season, the Central Plains is busy.Credit lead, credit threading, postal savings bank Henan branch service summer collection is more accurate and efficient.
Not only in Henan, but also all over the country, branches of the Postal Savings Bank have taken the construction of credit villages as the starting point, actively visited and connected with customers, combined with the visit and evaluation of credit users and the construction of credit villages, and comprehensively connected with farmers, new agricultural business entities and grain harvesters within their jurisdictions. Customers in the storage industry, provide diversified funding solutions, and inject financial momentum into Xia Shou.
[Editor: Liu Pai]
