Pingyi County, Linyi City, Shandong Province is located in the hinterland of Yimeng Mountainous Area. In December 2016, the People's Bank of China Jinan Branch listed Pingyi County as one of the three pilot counties in the comprehensive demonstration zone of Shandong Province. It is understood that since the launch of the pilot work, the Pianxian County Sub-branch has improved its organizational system, decomposed and refined its construction tasks, and comprehensively built three major construction projects: “Huimin Credit”, “Rural Financial Integrated Service Point Construction” and “Resident Financial Literacy Improvement”. We have explored a road of inclusive financial development with distinctive characteristics and policies to benefit the people. More and more people have actually felt the benefits brought by inclusive finance.

Huimin credit benefits thousands of families

“I have never dared to think about it. This mountain ditch has also become an eco-tourism base. This farmhouse can also open a restaurant, thanks to the small poverty alleviation loan support provided by the bank.” Liuqiao Town, Pingyi County Liu Jingguo, a 56-year-old villager from Jiazhai Village, said. It is understood that since 2016, Pingyi Rural Commercial Bank has planted 27 greenhouses with good credit records in the village to provide poor households with a small amount of 50,000 yuan per capita subsidy loan to help them expand the scale of planting and support the village to rely on vegetable bases. We will vigorously develop modern leisure agriculture such as sightseeing, tourism and picking, and drive up to 95 households out of poverty in the village.

"Developing inclusive finance, we must innovate the mechanism, and we must lean toward small and micro enterprises, farmers, low-income and vulnerable groups in cities and towns, and improving the availability of credit resources of vulnerable groups is the key to 'credit universality'. Since the pilot, we have promoted The county's financial institutions have innovated inclusive credit products to fully meet the credit needs of the people's livelihood sector,” said Ji Dezhen, president of the People's Bank of Pingyi County Branch.

It is understood that the Pingyi County Sub-branch of the People's Bank of China gives full play to the guidance function of the monetary policy window, guides the optimization and adjustment of the credit structure of the jurisdiction, and increases credit support for key areas such as precision poverty alleviation and entrepreneurship. Since 2016, a total of 150 million yuan of loans for supporting agriculture and a total of 200 million yuan for poverty alleviation have been issued. Guide the banking institutions in the jurisdiction to launch small-scale poverty alleviation credit products such as “rich people's household loans”, “rich people's production loans”, “rich people's development loans” and “green energy loans”, and innovatively launch “family music”, “home loan” and “fu” "Small-scale loans", such as "small-scale loan", "Running Loan" and other "small micro-fast loans" credit products. As of the end of May 2017, a total of 219 million yuan of poverty alleviation loans were issued, and a total of 142 million yuan of entrepreneurial employment guarantee loans were issued, helping 4,300 poor people to embark on the road to poverty alleviation.

At the same time, in response to the actual situation of rural grassroots party building work in recent years, the sub-branch guided the rural commercial banks to develop “party member credit loans”, support party members to engage in production, living consumption or help poor households out of poverty, and the credit rating of party members and the organization department of the county party committee. Party members' star rating results, household assets and other indicators are linked, according to A, AA, AAA three levels of credit grants of 100,000 to 300,000 yuan. Up to now, the Rural Commercial Bank has issued credits to 116 party members with a credit line of 10.3 million yuan, and issued 55 "party member credit loans" with a loan of 6.12 million yuan.

Open the last mile of the service

“It’s too much trouble to pay the electricity bill before. I have to go to the bank in the town 8 kilometers away every month to deposit cash into the passbook. Since the financial comprehensive service point in our village has opened the electricity fee payment service, I It’s fine to go to the payment.” Talking about the convenience brought by the development of the financial comprehensive service point, Wu Zezhong, who lives in Xibazi Village, Zhongcun Town, Pingyi County, is deeply touched.

The reporter learned that in order to improve the coverage of financial services, the Pingtung County Sub-branch of the People's Bank of China formulated the "Guiding Opinions on the Construction of Rural Financial Integrated Service Points", and upgraded the existing agricultural support service points to help farmers access funds and non-cash settlement. The bank of the peasant’s door, the six-in-one of the renminbi’s door, the lack of currency exchange, financial consumer rights protection, financial knowledge propaganda, and rural e-commerce services. As of the end of May, the county has completed 312 upgrades for agricultural withdrawal points.

“We adopted the platform model of “civilized letter users (technical demonstration households) + self-service equipment” to vigorously promote the construction of rural financial integrated service points, which not only brought safe and convenient financial services to the villagers, but also brought us banking services. Surprise.” Gao Yongjin, president of Pingyi County Branch of Lai Shang Bank, said that the bank’s service point in the Maojiatun community has reached a balance of more than 18 million yuan for three months and 658 bank cards.

At the same time, the People's Bank of Pingyi County Branch launched a survey on the popularization rate of modern payment instruments, and comprehensively launched the construction of Dongtaitai Village, County Trade City, and local payment modern demonstration villages, demonstration streets and demonstration towns in Wutai Town. In accordance with the “two vertical and two horizontal, 44 grid villages” construction plan, focus on building a modern payment demonstration town, vigorously promote the application of non-cash payment tools such as POS machines, scan code payment, mobile banking, online banking, etc.; promote “Inclusive Finance Card” , the income of the poor masses, wages, photovoltaic income, share dividends and other income will be remitted. For example, local towns have installed scan code payment for 300 merchants along the street. Scanning code payment has achieved full coverage for the demonstration village and demonstration street merchants. A total of 6,996 telephone POS machines were deployed in the county, and mobile phone banking and online banking users reached 490,000, and the replacement rate of electronic banking services reached 75%.

Playing the "financial literacy improvement" Huimin Qu

“The financial poverty alleviation tools that can be used by the 'First Secretary' include rich households' loans, rich people's production loans, and Luqing's benchmark loans...” A wonderful financial precision poverty alleviation lecture was held in Pingyi County Rural Commercial Bank. This is an expert in the field of financial poverty alleviation, explaining the knowledge of financial precision and poverty alleviation for the “first secretary” of Pingyi, and interpreting relevant policies, and answering questions on the spot for the “first secretary”.

The reporter learned that at present, the "winning in Yimeng" financial literacy upgrading project is in full swing. The local financial department established a financial system for the protection of financial consumer rights and interests in the county through the establishment of a financial system youth talent lecturer group. Conduct a financial literacy questionnaire survey and take the lead in exploring the establishment of an inclusive financial evaluation index system. Organize the activities of financial precision poverty alleviation lectures, and hold the “first secretary” inclusive finance training class at the provincial, city and county levels, organize financial knowledge into schools, enter nursing homes, enter communities, and enter rural activities. Carry out the "new money for the New Year" campaign, and exchange 126 million yuan of new banknotes. Coordinate with the people's courts to establish a joint meeting mechanism for financial consumer disputes, mediation and financial consumer rights protection work, timely handle consumer complaints, and safeguard the legitimate rights and interests of financial consumers.

In addition, in order to enhance farmers' credit awareness, Pingyi County has set up a town-level credit management service sub-center in the township rural commercial bank branch on the basis of the establishment of the county-level credit management service center. The credit management service station will organize and carry out pilot projects for the construction of Wenshui Xiaohe Village Credit Information Management Service Station, carry out the collection of rural household credit files and non-bank credit information, and continue to deepen the construction of civilized credit users, credit villages and credit towns.

"In the next step, we will accelerate the application of financial IC cards in the fields of education, medical care, transportation and other public services, and accelerate the construction of the three-level credit management service center, the inclusive financial card, the two-right mortgage, and the loan guarantee insurance. Pushing inclusive finance to produce more fruitful results," said Ji Dezhen.