Guizhou province rural credit cooperative financial poverty alleviation

Give full play to the role of credit funds: change "flood irrigation" into "precise drip irrigation"

In order to maximize the benefits of credit funds in the fight against poverty, in recent years, Guizhou Rural Credit Cooperatives Union has made accurate "special loans" for poor households with established cards. Provide low-interest and low-cost loans of "less than 50,000 yuan, less than 3 years, mortgage-free, poverty alleviation discount, and county-level risk compensation" to poor households who have established a card to help them develop production.

Since the implementation of the "preferential loan" policy, a total of 49.9 billion yuan of "preferential loans" have been issued to 873,700 poor households, which has greatly improved the availability of loans for poor households and achieved good results.

Fully meet the credit needs of industry leaders to help the poor. Adhere to industrial leadership, incite precise poverty alleviation by supporting the development of characteristic industries, and improve the accuracy and sustainability of financial poverty alleviation.

Promote online services and explore a new model of "big data" poverty alleviation. Since the beginning of this year, according to the epidemic situation, Guizhou Rural Credit Cooperatives Union has actively explored the construction of a financial ecosystem of "every village has a thousand farmers" and "every village has a thousand farmers" on the platform of "Thousand Farmers Cloud", and innovatively launched online products of "quick loans for thousands of farmers" and "convenient quick loans".

By the end of June, the registered users of Qiannong Cloud Platform had reached 10.2 million, and online loans were 20/kloc-0.4 million yuan and 70/kloc-0.3 billion yuan, including 70,000 quick loans from Qiannong and 2/kloc-0.0 million convenient loans.

Strive to improve the sales system of agricultural special products. Through Qiannongyun e-commerce shopping platform, we opened 1825 stores for farmers and small and micro enterprises, and put more than 1000 pieces of goods on the shelves, including 364,600 pieces of agricultural products, amounting to nearly 48 million yuan.

Creating "Five Business Cards" for Poverty Alleviation in Agriculture: Changing "Preferential Finance" into "inclusive finance"

First, the "rural credit project" has solved the problem of poor farmers' loan difficulties. Guizhou Province started with small credit loans for farmers, and launched rural credit project creation activities focusing on the creation of credit farmers, credit villages, credit towns and credit counties and cities. The establishment of this system has increased the "preferential grade", lowered the evaluation conditions of poor households who set up a card, increased the credit line, and effectively improved the accessibility of financial services for poor people in poverty-stricken areas.

By the end of June this year, there were 7.72 million registered farmers in Guizhou Province, accounting for 98. 18%. The credit rating is 765,438+10,000 households, with a total credit of 477.7 billion yuan and an average credit of 67,300 yuan per household; The province has established 1247 15 credit group, 12925 credit village, 986 credit township (town, street), 2 1 credit county (city, district) and 1 credit city. The balance of farmers' micro-credit loans was 654.38+093.4 billion yuan, accounting for 79% of farmers' loans.

Second, the "Financial Service Center for Migrant Workers" makes every effort to help migrant workers start businesses and find jobs. In order to solve the problem of migrant workers' financial services, 13 migrant workers' financial service centers have been set up in Beijing, Guangdong, Zhejiang and other provinces and cities where migrant workers are concentrated in Guizhou, providing financial knowledge, wealth information and rights protection assistance to migrant workers.

By the end of June, there were 760,000 self-employment loans for migrant workers with a balance of 26.9 billion yuan, and 890,000 self-employment loans for migrant workers with a balance of 77.2 billion yuan. Among them, in 2020, there will be14,600 poor households supporting the establishment of the card, and the loan amount will be115 million yuan.

It is the "last mile" for "every village in Xinhe" to get through financial services. Guizhou rural credit cooperatives think what the masses think, worry about their urgency and solve their difficulties. It works hard on the weak links of people's livelihood financial services, and provides equal financial services for farmers in poor areas by building a comprehensive financial service network covering urban and rural areas. Guid, globally unique identifier

By the end of June, * * * has established 1358 mobile service stations to help farmers get rid of poverty, serving17,200 administrative villages. The mobile service station for helping farmers get rid of poverty will focus on serving people in remote areas and those who cannot go to the counter for business due to disability, old age and other reasons, so that more people in need can enjoy more effective and convenient financial services.

Fifth, build a "rural financial night school" to improve the poor people's ability to get rich. In view of the fact that the vast rural people lack financial knowledge, we have set up a "financial night school" to popularize financial knowledge, professional skills and information about getting rich by taking advantage of farmers' rest time at night.

Some banks, such as Fuquan and Changshun, combined with the actual development of local industries, innovatively set up "rural financial schools to get rich", which changed the factors of large liquidity and unstable places of traditional financial night schools, provided stable and comfortable learning environment for farmers, and actively cultivated new farmers with culture, technology and management.

By the end of June, more than 39,900 "financial night schools" had been held in Guizhou Province, training more than 1 100000 students.

Bravely assume social responsibility: combine "social welfare" with "financial poverty alleviation"

Establish a letter and charity foundation to help people's livelihood. 20 13 In April, Guizhou Rural Credit Cooperatives Union initiated the establishment of Guizhou Rural Credit Cooperatives Public Welfare Foundation, and donated 20 1 project to poverty-stricken areas through free donations to Chunhui Action, Hope Primary School, poverty alleviation ecological migration, medical and health care and other social and livelihood undertakings, with a donation amount of 3.56 billion yuan.

In Bijie, the "1 1" caring and educating dream project established by the rural credit cooperative system has enabled mountain children to realize their college dreams; In Shimen, Weining, the rural credit aid fund helps poor students grow up; In 20 poverty-stricken towns such as Zhenfeng Lurong, the "hot water bottle" project brought winter warmth to primary and secondary school students in mountainous areas, allowing children to drink hot water and take a hot bath; In the "93" key counties and districts, the activities of "getting rid of poverty, developing industries and walking healthily" were carried out, and 36 million yuan was donated for educational facilities, revitalizing local industries and improving village environment, in an effort to make people in poverty-stricken areas get rid of poverty more healthily and quickly.

Consolidate the strength of the system and steadily promote pairing assistance. Guizhou Rural Credit Cooperatives actively responded to the call of the Guizhou Provincial Party Committee and the provincial government, and fully supported Wuchuan's poverty alleviation and development work by establishing mechanisms, donating funds, building platforms, and pairing assistance. In the past five years, Guizhou Rural Credit Cooperative has invested a total of 654.38+09.095 billion yuan in credit funds and donated 256 million yuan for free to support agricultural industry and cultural tourism in Wuchuan.

The development of tourism, infrastructure, education and medical care.

According to reports, 24 travel agencies in Guizhou Province paired up to help 25 poor villages in Wuchuan County, and implemented assistance funds of 30.39 million yuan, benefiting 29 155 poor households.

Set up a task force to help Sinan County's village-level collective economy, and successively issued six plans to help Sinan County's collective economic development, and donated 1 10,000 yuan to six villages in Shuang Shan and Guanpo Village of Sinan County to support the development of village collective economy.

Support ex situ poverty alleviation and relocation, and effectively help landless farmers to smoothly transform. Guizhou Rural Credit Cooperatives Union actively supported the ex situ poverty alleviation and relocation project in Guizhou Province, which effectively solved the problem that one side can't support the other side.

By the end of June, Guizhou Rural Credit Cooperatives had established credit files for 348,500 ex situ poverty alleviation and relocation farmers, and 30 banks had launched credit products to support ex situ poverty alleviation and relocation. The province issued ex situ poverty alleviation and relocation loans of 96,200 households with 5.334 billion yuan.

At the same time, all banks actively follow up the construction of financial services and facilities, set up convenience outlets in ex-situ resettlement areas, build new self-owned equipment, open financial service stations, and donate hope primary schools and kindergartens in some new immigrant areas to help "move out, stay stable and get rich".

Feed back "agriculture, countryside and farmers" and help out of poverty wholeheartedly. Around the major deployment of the Guizhou Provincial Party Committee and the provincial government, Guizhou Rural Credit Cooperatives Union continued to increase the financial services of "supporting agriculture and supporting small enterprises" and implemented a series of preferential policies, greatly reducing fees and benefiting the people. It has taken the lead in implementing provincial-level agency distribution of agricultural subsidy funds in China, and allocated more than 50 billion yuan of agricultural subsidy funds arranged by the central and provincial governments for free.

Since 20 18, Guizhou rural credit cooperatives have made a profit of10.5 billion yuan by implementing preferential loan interest rates, and the accumulated profit of "preferential loans" alone is 3.4 billion yuan; The poverty alleviation industrial fund cut interest rates and earned 360 million yuan; The service fee was reduced by 654.38+0.4 billion yuan. Since the outbreak of the epidemic this year, interest rate concessions and reductions have been implemented, benefiting 968 million yuan.

Related Q&A: How to lift the limit of rural credit cards in Guizhou is the default of the banking system. You want to increase the transfer amount of your bank card. Bring your ID card and bank card. Go to the business window of the issuing bank to handle the formalities of increasing the transfer limit. After completion, you can increase the transfer amount of the bank card. Go to the bank counter of the local rural credit cooperative and upgrade to the second-class or first-class card (as the case may be): there are two ways to lift the bank card limit: one is to bring the bank card and ID card to a nearby bank outlet to modify the bank card limit; Second, log in to online banking to make changes, but this method is limited to customers who have already opened online banking accounts. Of course, the bank card limit is not a bad thing, mainly to ensure the security of cardholders' transactions. However, it should be noted that if the limit has reached the highest setting of the bank, the card or payment platform can only be replaced according to the actual limit type, or transactions can be made after the limit period. 1, if the credit card is a single identification credit card (such as VISA single identification), it is not supported in China; 2. The credit card amount is too large, which is beyond the use scope of the credit card and cannot be swiped; 3. There is also whether the chip of the credit card is damaged, because some chips are damaged and the machine cannot identify the identity of the card and cannot swipe the card normally; 4. When swiping the card, whether the machine is networked and whether the machine only fixes individual cards to swipe the card; 5. Credit card overdue repayment will also be restricted. In view of the above problems, you can eliminate them yourself first. If the user causes overdue or bad consumption behavior, such as malicious overdraft, cash withdrawal, etc., the card is restricted. Generally speaking, in order to lift the restrictions on cards, users must pay off their debts as soon as possible and stop bad consumption behavior. They can call the customer service of the relevant bank and apply for lifting the restrictions on the card. If you still don't understand how to limit it, you can call the issuing bank to find out in detail and then solve the problem in a targeted manner. Banks also work on Saturday and Sunday, but the working hours are shorter than Monday to Friday. Banks also have a rest time at noon. Generally, the lunch break is from 12 to 14. During this period, the bank will leave some windows to support private business, but this period does not support corporate business. Therefore, if it is a company business, it needs to be handled at 9: 00 am-12.