Notice on Promoting Rural Insurance Work

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In order to thoroughly implement the spirit of the document of China Banking Regulatory Commission on doing a good job in rural financial services, further strengthen the "three rural" services and give full play to the role of rural commercial banks in supporting agriculture, the town government decided to carry out the service activities of xx Bank in inclusive finance. In order to ensure that the activities are carried out in a solid and orderly manner, this plan is specially formulated.

I. Guiding ideology

Conscientiously implement the policies of the provincial party committee and the provincial government to support agriculture, firmly establish the concept of rural commercial banks serving agriculture, countryside and farmers, give full play to the traditional style of "backpacking to the countryside", carry out the activities of "entering villages and households" in inclusive finance, comprehensively visit traditional farmers, migrant workers and new rural business entities, extensively establish economic files, comprehensively grasp customer needs, comprehensively market financial products, and strive to improve financial services, so as to provide strong financial support for the economic development of towns.

Second, the work objectives

Through the continuous activities of "entering villages and households" in inclusive finance, we visited migrant workers, leading agricultural enterprises, farmers' professional cooperatives, family farms, large rural management households and traditional farmers in the jurisdiction, and established economic files of100%; Screen and classify the economic information and financial needs of agriculture-related customers, and actively follow up services, and the satisfaction rate of qualified financial service needs reaches100%; Popularize the application of electronic products in an all-round way, improve the rural financial payment environment, and truly let ordinary people enjoy convenient, fast and efficient financial services without leaving home.

III. Contents of activities

For new business entities, migrant workers and traditional rural farmers, it is necessary to visit each house and investigate and file. Visiting and filing work should be horizontal to the edge, vertical to the end, leaving no blind spots.

(1) home visit. We should do a good job of "three exemptions, three questions and three appointments", that is, send publicity materials with the characteristics of rural commercial banks, send contact cards for supporting agriculture, send product profiles of rural commercial banks, ask about the family situation of agricultural customers, ask about business projects, ask about financial service needs, and make appointments for deposits, loans and electronic banking services.

(2) Create files. According to the different characteristics of migrant workers, traditional farmers, large rural operators, individual industrial and commercial households, farmers' professional cooperatives, family farms and leading enterprises in agricultural industrialization, economic files should be collected and established by classification. The contents include: basic information of customers, migrant workers, business projects, financial status, business done in rural commercial banks, business done in other banks, demand for credit funds, demand for deposit funds and e-banking services, contact information, etc.

(3) Customer classification. After the daily investigation and visit, according to the established customer files, summarize and sort out the customer information. On the basis of comprehensive analysis of customers' economic information, customers are divided into cultivation category, general category and key category, and according to customers' financial service needs, customers are initially divided into deposit category, loan category, comprehensive category and service category. According to the needs of different customers, make different service plans, arrange docking schedules, and follow up services in time.

(4) Docking service. The first is to connect migrant workers' services. Carry out on-site condolences. In areas where migrant workers are concentrated, the town party Committee and government, village cadres and rural commercial banks will form special classes to carry out condolences to migrant workers. In places where migrant workers are concentrated, financial service centers should be set up, and special personnel should be arranged to take charge of mobile card opening, business consultation, deposit reservation and loan data collection, so as to provide all-round financial services for migrant workers. At the same time, it is necessary to develop or use targeted credit products and give credit support to migrant workers and powerful entrepreneurs. The second is to connect and serve new agricultural business entities. Focus on providing credit services to new agricultural business entities that meet the loan conditions; For customers who do not meet the conditions for loan issuance temporarily, we should provide them with a package of financial services such as payment and settlement, collection and payment, e-banking, payroll payment and wealth management. The third is to connect with traditional farmers. Vigorously develop electronic banking services such as credit card, online banking, mobile banking, SMS banking and telephone banking, and expand online transaction payment platforms. For all marketing electronic banking products, we should demonstrate the operation on the spot and teach them to use it on the spot. Credit support can be given to credit farmers with needs, projects and repayment sources through "win-win" cooperative loans and village-level fund-guaranteed loans.

(5) Continuous maintenance. According to the existing information, for those who have reasonable capital needs and meet the loan conditions, they should make field visits and actively support them; For customers with surplus funds, we should actively organize home deposits; For customers with settlement needs, e-banking products should be opened in time; We should always send information on the reform and development of rural commercial banks, product promotion information and customer sympathy information to customers, and send blessing messages on holidays, customers' birthdays and other important days to enhance our feelings with customers. Through regular return visits and continuous maintenance, a good customer maintenance and business development mechanism will be formed.

(6) Treat the people well. Actively promote the construction of village-level service points for benefiting farmers, and install at least one card payment transfer phone in an administrative village. At the same time, "five exemptions and one discount" will be implemented, that is, annual bank card fee, magnetic stripe card fee, online banking (excluding equipment) free, telephone banking free and mobile banking free, and certain preferential treatment will be given to overseas remittance fees to further expand the scope of use of electronic banking products.

Four. Related requirements

(1) Strengthen organizational leadership. The town government has set up a leading group for "entering the village and entering the household" service activities in inclusive finance, with the mayor as the team leader, the leaders in charge as the deputy team leader, and the heads of the Economic Development Office and relevant departments as members, and is fully responsible for the organization and leadership of this activity; The leading group has an office, which is located in the rural commercial bank. Comrade Xu Jun is also the director of the office, responsible for the organization and implementation of activities. Each village has set up a special work class headed by the branch secretary to work with the staff of the rural commercial bank to fully implement all the work.

(2) Strengthen publicity visits. Village cadres and village (neighborhood) cadres should go into the homes of every farmer and merchant together with the staff of the rural commercial bank for face-to-face publicity, and put the service concept of the rural commercial bank in inclusive finance into everyone's heart. At the same time, the use of banners, billboards, wall advertisements and other means of publicity, forming a strong atmosphere of inclusive finance's "village-to-household" service activities.

(3) Slow and steady progress. Cadres of village (neighborhood) committees should attach great importance to it, strengthen communication and coordination, implement their work responsibilities, and solidly promote the service activities of "entering villages and entering households" in inclusive finance. XX bank should regularly report the activities and existing problems to the town government, and study and solve measures in time. The investigation, filing and services completed before the end of 20 14 account for more than 50% of the total number of households.

(4) serious work discipline. We must strictly abide by work discipline, and it is strictly forbidden to take the opportunity to visit, eat and drink, and ask for property; It is strictly forbidden to visit, file, go through the motions and resort to deceit. Anyone who violates the above provisions shall be strictly investigated for the responsibility of the relevant responsible person.