Planning plan for bank’s entry into villages

In order to thoroughly implement the spirit of the China Banking Regulatory Commission's document on rural financial services, further strengthen "agriculture, rural areas and farmers" services, and give full play to the main role of rural commercial banks in supporting rural services, the town government decided to carry out xx throughout the town Bank’s “Village-to-Village” inclusive financial service activities. In order to ensure that the activities are carried out in a solid and orderly manner, this plan has been specially formulated.

1. 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, rural areas and farmers", and give full play to the "backpacking to the countryside" In line with the traditional style of the country, we carry out inclusive financial activities of "entering villages and households", comprehensively visit traditional farmers, migrant workers, and new rural business entities, establish extensive economic files, fully understand customer needs, comprehensively market financial products, and strive to improve financial services. , provide strong financial support for the economic development of the town, and contribute due strength to support the construction of the "Five Hubeis".

II. Work Objectives

By continuing to carry out the “village-to-household” inclusive financial activities, we will provide financial services to migrant workers, leading agriculture-related enterprises, farmers’ professional cooperatives, and family farms within the jurisdiction. , comprehensive visits to large rural operating households and traditional farmers, and the establishment of economic files reached 100%; screened and classified the economic information and financial needs of agricultural-related customers, actively followed up on services, and met 100% of qualified financial service needs; comprehensive promotion The application of electronic products improves the financial payment environment in rural areas and truly enables people to enjoy convenient, fast and efficient financial services without leaving home.

3. Activities: New rural business entities, migrant workers, and traditional farmers must be visited door-to-door to investigate and establish files. The work of visiting and archiving should be carried out horizontally to the edge and vertically to the bottom, leaving no blind spots.

(1) Door-to-door visits. It is necessary to do "three gifts, three questions and three appointments", that is, send promotional materials with the characteristics of rural commercial banks, send agricultural contact cards, send rural commercial bank product introductions, ask about family situations, business projects, and financial services of rural commercial customers. Demand, reservation for deposit, reservation for loan, reservation for electronic banking services.

(2) Create files. Economic files must be collected and established based on the different characteristics of seven types of customers: migrant workers, traditional farmers, large rural business owners, individual industrial and commercial households, farmers' professional cooperatives, family farms, and leading agricultural industrialization enterprises. The content includes: basic information of customers, migrant work situation, business projects, financial status, business status handled by rural commercial banks, business status handled by other banks, credit fund needs, storage funds and electronic banking service needs, contact information, etc.

(3) Customer classification. After the daily investigation and visits, based on the established customer files, the customer information learned and mastered will be summarized and sorted. Based on the comprehensive analysis of customer economic information, customers will be divided into cultivation categories, general categories, and key categories. Based on customer financial service needs, customers are initially divided into deposit categories, loan categories, comprehensive categories and service categories. According to the needs of different customers, formulate different service plans, arrange docking schedules, and follow up services in a timely manner.

(4) Docking services. The first is to provide docking services to migrant workers. Carry out door-to-door condolences. For areas where migrant workers are concentrated, the town party committee and government, village group cadres and rural commercial bank personnel will form a special condolence class to go to the areas where migrant workers are concentrated to provide condolences. Financial service centers should be established in areas where migrant workers are concentrated, and designated personnel should be responsible for mobile card opening, business consultation, deposit reservations and loan information collection, etc., to provide a full range of financial services for migrant workers. At the same time, it is necessary to develop or use a targeted credit product to provide credit support to migrant leaders and capable entrepreneurs. The second is to connect and serve new agricultural-related business entities. For new agricultural-related business entities that meet the loan conditions, we will focus on providing credit services; for customers who are temporarily not eligible for loan issuance, we will provide them with a package of financial services such as payment settlement, agency collection and payment, electronic banking, salary agency, and wealth management. . The third is to connect and serve traditional farmers. It is necessary to vigorously develop electronic banking services such as credit cards, online banking, mobile banking, SMS banking, and telephone banking, and expand online transaction payment platforms. For all marketed electronic banking products, on-site operation demonstrations and on-site teaching on their use are required. For credit farmers with needs, projects and repayment sources, credit support can be provided through "double-based win-win" cooperative loans, village-level fund guaranteed loans, etc.

(5) Continuous maintenance.

Based on the information we have, we will conduct door-to-door investigations and actively support customers who have reasonable financial needs and meet loan conditions; we will visit customers with excess funds to actively organize deposits; and we will promptly activate electronic banking products for customers with settlement needs; It is necessary to frequently send rural commercial bank reform and development information, product promotion information, and customer condolence messages to customers. On important days such as holidays and customer birthdays, send blessing text messages to enhance relationships with customers. Through regular return visits and continuous maintenance, a good customer maintenance and business expansion mechanism is formed.

(6) Benefits to the people. Actively promote the construction of village-level benefiting service points, and install at least one Karepay transfer phone in each administrative village. At the same time, the "five exemptions and one discount" are implemented, namely: no annual bank card fee, no magnetic stripe card production fee, free online banking (excluding equipment), free telephone banking, free mobile banking, and free remittance procedures for long-distance transfers. Provide certain discounts on fees to further expand the scope of use of electronic banking products.

4. Relevant Requirements

(1) Strengthen organizational leadership. The town government established a leading group for the “Village-to-Household” inclusive financial service activity with the town mayor as the team leader, the leader 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 a rural commercial bank. Comrade Xu Jun also serves as the director of the office and is specifically responsible for the organization and implementation of activities. Each village has set up a special work team headed by the branch secretary to work with rural commercial bank personnel to comprehensively implement various tasks.

(2) Strengthen visits and publicity. Town-based village cadres and village (neighborhood committee) cadres, together with rural commercial bank staff, should go into the homes of every farmer and merchant to carry out face-to-face publicity, and put the concept of inclusive financial services of rural commercial banks into everyone's heart. At the same time, banners, bulletin boards, wall advertisements and other means should be used to vigorously promote the inclusive financial service activities of "entering villages and households".

(3) Make solid and steady progress. Town-based village cadres and village (neighborhood committee) cadres must attach great importance to it, strengthen communication and coordination, implement work responsibilities, and solidly promote the "village-to-household" inclusive financial service activities. XX Bank must regularly report to the town government on the development of the activities and existing problems. problems and study solutions in a timely manner. The survey filing and service docking completed before the end of 2014 should account for more than 50% of the total number of households.

(4) Strict work discipline. Work disciplines must be strictly observed. It is strictly prohibited to use the opportunity of visits to eat, drink, or ask for property; it is strictly prohibited to go through the motions and engage in fraud when setting up records. Anyone who violates the above provisions shall be strictly held accountable.