The Shandong Provincial Associated Press has made great efforts to support rural revitalization: 2.8 billion yuan has been loaned for the pre-made vegetable industry, and the balance of agriculture-related loans has reached 897.52 billion yuan

Our reporter Wang Jinchen

The report of the 20th National Congress of the Communist Party of China proposed to comprehensively promote rural revitalization
.
Adhere to the priority development of agriculture and rural areas, adhere to the integrated development of urban and rural areas, and smooth the flow of
urban and rural factors.
Solidly promote the revitalization
of rural industry, talents, culture, ecology and organization.

As a major agricultural province in China, Shandong Province is based on its own advantages, promotes rural modernization construction at a higher standard and higher level, and creates a Qilu model of rural revitalization
.

This year's Central Document No.
1 lists "strengthening financial services for rural revitalization" as a separate item for the first time, raising the importance of rural financial services to a new height
.
As a business outlet and financial institution with the largest number of employees, the widest range of services and the largest capital scale in the province, Shandong Rural Commercial Bank System has firmly maintained its positioning as a small market for supporting rural areas and supporting rural areas since the 18th National Congress of the Communist Party of China, adhered to the overall work idea of "123456", and made solid steps
in serving the "three rural areas" and the real economy and promoting high-quality development.

As of the end of September this year, the balance of physical loans of rural commercial banks in Shandong Province was 1,515.
55 billion yuan, an increase of 87.
08 billion yuan over the beginning of the year; the balance of agriculture-related loans was 897.
52 billion yuan, an increase of 36.
37 billion yuan
over the beginning of the year.

In addition, the Shandong Provincial Council of Associated Social Services established the "Three Rural Areas" Financial Services Committee to incorporate the strategy of serving rural revitalization into the 14th Five-Year Plan
.
In 2021, the Rural Commercial Bank of Shandong Province issued a total of 256.
89 billion yuan
in rural revitalization loans.

"Loan" for the revitalization of the moving industry 2.
8 billion yuan invested in pre-made dishes

The prosperity of industry is the premise for solving all problems in rural areas, and one end is connected to the "money bag" of the peasant masses and the other end to the power engine
of rural revitalization.

As a major economic and agricultural province, Shandong Province has accelerated the construction of a modern agricultural industrial system in recent years to build a solid material foundation
for rural revitalization with industrial revitalization.
A number of leading enterprises such as Longda, Delis and Zhongyu have achieved innovative development, the number of new business entities ranks in the forefront of the country, new formats such as leisure agriculture and creative agriculture have emerged, and "live broadcast with goods" has become a new agricultural work
.

The pre-made vegetable industry is an important breakthrough in the development of modern agriculture, one end is connected to the field, and the other end is connected to the market table, which can effectively drive the integrated development of
the primary, secondary, and tertiary industries.
Weifang City, Shandong Province, as an important hometown of vegetables and fruits in the country, has issued a three-year action plan for the high-quality development of pre-made vegetables since the beginning of this year, clarifying the overall goal of
building "the first city in China's pre-made vegetable industry".

The rapid development of the prepared vegetable industry is inseparable from the support and empowerment
of financial capital.
Under the guidance of Shandong Provincial Associated Press, Weifang Associated Press focuses on the central idea of promoting the high-quality development of the pre-made vegetable industry, starting from three aspects: innovating credit products, optimizing service models, and implementing affordable enterprise policies to help support the development of
the pre-made vegetable industry.

In an interview with this newspaper, the Shandong Provincial United Press said that in terms of credit products, Weifang Associated Press has innovatively launched the "pre-made vegetable loan", set up a special credit fund line, targeted support for the development of the pre-made vegetable industry, and gave priority to providing credit support to those who meet the access conditions, fully meeting the multi-level credit business needs of the pre-made vegetable industry system, and has invested 2.
8 billion yuan
in loans for the pre-made vegetable industry.

In terms of service model, the Municipal Union News Agency actively obtains the list of enterprises in the city's pre-made vegetable industry, establishes a "marketing docking library" for enterprises, and implements the "1+5+N" (one special credit product + five priority policies to benefit enterprises + N financial service teams) financial butler service model, providing professional, convenient and all-round financial services
for upstream and downstream enterprises in the whole industry chain of pre-made vegetables.
In addition, it provides free merchant settlement services in the "Smart e-Shopping" mall for pre-made vegetable enterprises, organizes online live broadcast activities, actively promotes corporate products, and broadens marketing channels
.

In terms of the policy of benefiting enterprises, the Municipal Union News Agency has effectively implemented the "five priorities" policy of giving priority to customer cultivation, priority of mortgage-free guarantee, priority of fee reduction and profit concession, priority of seamless renewal, and priority of fast approval and fast loan, taking the initiative to benefit customers of pre-made vegetables and effectively reducing financing costs
.
Strengthen business exchanges and cooperation with policy-based guarantee companies, obtain special guarantee policies in a timely manner, and strive to solve the problems of difficult financing, difficult guarantee and expensive financing for
customers.

Benefiting from the strong support of provincial and municipal federations, in April this year, the characteristic industrial cluster of Weifang cities (health food and prepared vegetable processing) was selected into the list
of "2022 Shandong Province Characteristic Industrial Cluster".

By the end of September, the total number of Weifang pre-made vegetable market entities reached 1,871, ranking third in the country; There are 1,318 pre-made vegetable enterprises in operation, ranking second in the country; Among them, there are 909 production and processing enterprises, ranking first
in the country.

Promoting rural revitalization with industrial revitalization does not only occur in Weifang City
.
In recent years, Shandong Associated Press has continued to innovate credit products, optimize service models, and reduce financing costs
.

According to the reporter's understanding, the Shandong Provincial United Press guided 110 rural commercial banks to strengthen reporting and communication with local party committees and governments, and selected business backbone personnel to serve as deputy town mayors and assistants to village directors, so as to play the role of serving the "three rural areas"; Comprehensively dock marketing and establish "four lists" of farmers, individual industrial and commercial households, small and micro enterprises and urban communities, with more than 20,000 account managers and nearly 40,000 agricultural gold workers providing "one-to-one" and "face-to-face" services; Carry out the creation of "financial service rural revitalization model villages" in the province, and select 5,369 financial service model villages at the provincial, municipal and county levels to radiate the surrounding areas
with points and surfaces.

Cultivate a fertile soil for talents, and reduce interest rates for the whole year to make profits of 4.
638 billion yuan

If talents prosper, the industry will prosper, and if talents are strong, all industries will be strong
.
To comprehensively promote rural revitalization, talent is the key
.
In order to give full play to the leading role of high-level talents in the high-quality development of the real economy, Shandong Provincial United Press innovatively launched the "talent loan"
.

"Talent Loan" is a credit product specially designed for R&D-oriented and high-tech talent enterprises to support the transformation of scientific and technological achievements, mainly supporting those selected for talent projects at or above the provincial level or enterprises registered in the administrative region of Shandong Province (excluding Qingdao City) for a long time
.
The product is unsecured and unsecured, and is a pure credit loan with a single-family limit of up to 10 million yuan
.

The first "talent loan" issuing bank in Shandong Province is Liaocheng Rural Commercial Bank
.
In September 2019, the bank issued a "talent loan"
of 5 million yuan of pure credit to Norbert Intelligent Equipment (Shandong) Co.
, Ltd.
, the enterprise of Yan Xinhua, a leader in Taishan's industry.

By the end of September this year, Shandong Province had issued a total of 1,333 talent loans, with a total amount of 6.
167 billion yuan
.
The Shandong Provincial United Press has publicly stated many times: "Financial support for talent entrepreneurship and employment is an important part
of the work of stabilizing employment and ensuring employment.
" ”

Faced with the unabated pressure on total employment, the Shandong Provincial Associated Press has made every effort to help
college graduates, farmers and migrant workers.

For example, for college graduates, it has launched products such as "college student entrepreneurship loan" and "hometown entrepreneurship loan", implemented one-time entrepreneurship subsidies, and implemented "one-stop" services; For retired soldiers, we have launched products such as "Veterans Business Loan", formulated exclusive financial service plans, and actively connected with each other; For young people returning to their hometowns, we have launched products such as "Luqing Benefiting Enterprise Loan" to achieve "only one run" for customers to handle business, and create a "three priorities" service model
of quota, interest rate and efficiency.

In addition, enterprises, as the basic of the national economy, are the main participants in
market economic activities.
Among China's enterprises, more than 90% are small and medium-sized enterprises, involving thousands of households, which is related to the national economy and people's livelihood
.

In recent years, the Shandong Provincial Associated Press has increased the implementation of inclusive small and micro loan support tools, continuously innovated service products and methods, provided more "real money" for "specialized, special and new" enterprises, and cared for the "capillaries"
of economic development.

According to the Shandong Provincial United News Agency, the province's rural commercial banks took the initiative to reduce fees and profits, and in 2021, they handled a total of 32,000 deferred principal and interest repayment loans for inclusive small and micro enterprises, amounting to 40.
79 billion yuan; A total of 115.
26 billion yuan of "non-repayment renewal" has been handled, saving 160 million yuan
in costs for enterprises.
In 2021, the overall loan interest rate decreased by 0.
29 percentage points compared with 2020, and the annual interest rate reduction made a profit of 4.
638 billion yuan
.

Digital transformation writes a new chapter in rural revitalization

Digital village construction is an important way to realize agricultural and rural modernization, and it is also an important measure and strategic direction
to achieve rural revitalization.
Among them, fintech plays a driving role
.
In recent years, the Shandong Provincial United Press has guided the province's rural commercial banks to continue to increase investment in science and technology and accelerate digital transformation
from the aspects of expanding coverage, improving availability, and strengthening risk management and control.

Specifically, the Shandong Provincial Associated Press told this newspaper that the first is to "build a network" to expand the coverage of
inclusive finance.
Establish a channel service system that deeply integrates online and offline, optimize electronic banking services, extend the tentacles of financial services, and provide services for
the elderly.
It has set up 35,400 rural financial agency service points in townships and villages, and deployed 36,800 electronic equipment such as agricultural financial passes, realizing one-stop services such as payment and settlement, living expenses, and government services, and opening up the "last mile"
of financial services.

The second is "precision lending" to improve the availability of
financial services.
Give full play to the role of digital credit as a "new weapon" to meet the financing needs
of small and micro enterprises, private enterprises, farmers, and individual industrial and commercial households.
Deepen cooperation with government departments, innovatively launch a variety of digital credit products such as "credit e loan", "tax e loan" and "social security e loan", implement the "non-sensory credit" full coverage project of small inclusive loans, and provide credit services without direct contact with customers under the severe situation of the epidemic, so as to achieve "more data running, less errands for customers", and improve the efficiency and accuracy of
credit granting.

The third is "strong management" to realize intelligent
risk prevention and control.
The provincial federation has strengthened the construction of software and hardware digital infrastructure, established 72 various scientific and technological control systems in accordance with the working idea of "combining machine control and technical control, and making simultaneous efforts on site and off-site", built "three lines of defense" for business, risk compliance and auditing, and created a full-process control system
of prevention, control during and supervision after the event.

Rural revitalization, finance first
.
In August this year, at the centralized release of the social responsibility report of state-owned enterprises in Shandong Province, Sun Fujun, deputy secretary of the Party Committee of the Shandong Provincial United Social Society, said that since 2018, a total of 904.
54 billion yuan
of rural revitalization loans have been issued.

Shandong Rural Commercial Bank is at the forefront of a new picture of rural revitalization, and has also made great achievements
in the continuous rise of its operating scale.
By the end of September this year, the total assets of the whole system were 3,259.
4 billion yuan, the balance of various deposits was 2,622.
78 billion yuan, and the balance of various loans was 1,759.
92 billion yuan
.

Responsible Editor: Zhang Jiazhen Review: Peng Zonglu