Taishan Finance reporter Zhang Qin
To a certain extent, a history of the development of a rural rejuvenation in Shandong is also a symbiotic history of financial living water.Going to the countryside has become the “compass” and “required questions” of Shandong CCB’s financial services.
In recent years, Shandong CCB approached the soil with the footsteps of financial melting, walked the countryside, and served the rural revitalization as the “new home: the bank of the coast: the bank of the coast, the two sides of the Yellow River, the Guodi fruit shed, the ancient village of the ancient village, and the water empowerment of the water to the village of the financial village.It can be done everywhere, and everywhere.
Data show that as of the end of 2023, the balance of agricultural loans from Shandong CCB exceeded 230 billion yuan. With financial assistance, farmers lived in peace and career, and the countryside was rejuvenating.
Establish a “foundation” for happiness and do a good job of rural pensions
There are more than 600,000 administrative villages in China, and “Qi Pu” data shows that more than 500 million people still live in rural areas.In Shandong, there are 10.42 million elderly population over 60 years old, the largest in the country.
Beidongshan Village is the hometown of Jiao Yulu. There are 820 households with 2080 villagers.Among them, there are more than 600 elderly people over 60.In recent years, the Zibo Boshan Sub -branch of Construction Bank has carried out party building and co -construction with Beizhuishan Village. The villagers have felt the real changes of life.
“I used to get money to the town before, and now the service point is at the door of the house. It is much easier to use the elderly who do not use smart devices to handle business.” Wang Yingying, owner of “Yu Nongtong”, “Yu Nongtong”, Beizhuishan Village, said that after obtaining authorization, he can be ableThrough the “Yu Nong Tong” multi -functional help of the farmer’s terminal set up by CCB, it can handle small withdrawal and remittance for villagers, and can also help complete business security payment, calls for electricity bill recharge.
At present, the total number of “Yu Nongtong” has a total service point of 32,000, and the scale of serving farmers has exceeded 3.8 million households. At that time, the livelihood transactions reached 1.2 million.
Doing a good job of rural care is the basic link of implementing the strategy of rural revitalization and the “foundation” of a happy life.
At the same time, Shandong CCB has focused on building rural pension ecosystem services such as medical, food, housing, and Xingxing, strengthened support for rural old -age industries, paid close attention to the two major areas of “aging economy” and “preparation for the old economy”, focusing on pensionFacilities construction, elderly supplies and related manufacturing, elderly medical and health services, elderly care and health services, pension technology, and smart pension services have increased funds.
In addition, Shandong CCB has improved the rural living environment, improved the elderly services, attracted urban elderly people to go to the countryside, drives the prosperity of the rural pension industry, cultivate new economic growth points in rural areas, and strive to create a “preferred bank of pension finance”.
Unlock the revitalization “password” and empower industrial upgrading
At present, the “Gaoqing County Agricultural Modernization Demonstration Project” greenhouse of a Gaqing County Ecological Agricultural Development Corporation is under construction.
It is reported that the project will comprehensively use modern agricultural technologies such as cloud computing, big data and artificial intelligence, environmental control, integrated water and fertilizer, and organic soil -free cultivation. By building modern digital greenhouses, refined agricultural production, refined planting, automation, and automation of agricultural production and automation.Intelligent management of perception and large -scale operations to achieve organic unity of agricultural production, increasing farmers’ income, and rural rural areas.
The effective supply of funds is an important guarantee for the integration of agricultural modernization and rural modernization. In response, Shandong CCB firmly remembered “Da Bank’s Responsibility” in his heart.
After learning about the demand for corporate funds, the Zibo Branch of the Bank quickly connected to refine the division of labor, and customized the “green credit+rural revitalization” comprehensive financing plan for the project. In the end, the “Gaoqing County Agricultural Modernization Demonstration Project” was applied for a credit approval of 140 million yuan.Essence
There are numbers in the “new”, “palms”, and “chain”. In the digital economy era, the construction of the rural digital system, Shandong CCB has also launched a series of exploration and practice.
The vehicle is time -consuming, which is shortened from the original half an hour to 1 minute; the vehicle can pass the pound to be heavy, and the source of vegetables can be traced back to one -click;The market is the largest agricultural market in Liaocheng, and 70%of local vegetables will move from here to the country.
Digital technology brings changes from field to fingertips to agricultural production and sales.Shandong CCB cooperated with the marketing party to build a Zhougonghe smart farm approval market platform with functions of food safety traceability, online purchasing ordering, unified receipt and payment of managers, government fund supervision, and inclusive finance, helping the traditional agricultural batch marketThe “intelligent” upgrade has been achieved.
In addition, the bank is actively facing the development of personal support for farmers to develop personal support of agricultural loans. Through various models such as “core enterprise guarantee+order farmers” and “farmers+agricultural burdens”, it has strengthened the core enterprises with large operating scale and good operating benefits, and good operating benefits.The cooperation of new types of agricultural business entities such as professional cooperatives, comprehensively use government credit increase, credit guarantee, risk compensation, agricultural insurance and other methods to provide financing support for signing farmers upstream and downstream.
Create a “platform” of the co -rich and promote the digital ecological construction of the three farmers
Digital countryside is an important part of building digital China and an important direction for rural revitalization.
In March last year, Liaocheng Guanxian, the agricultural custody of the entire industrial chain factor trading service platform (hereinafter referred to as the agricultural custody service platform) was officially operated.The first bidding of agricultural products on the platform was held in Tao Town, Guanxian County. After fierce bidding, 50 tons of chemical fertilizer required by a cooperative to complete online bidding at a price of 3150 yuan/ton, saving the cooperative for 4480 yuan.
It is understood that the platform is a CCB Shandong Branch actively engaged in digital rural construction, focusing on digitalization of agriculture and rural areas, agriculture and rural digital operations, etc., and established an integrated comprehensive service platform., Agricultural technology, agricultural busy employment, etc. 12 types of data resources, integrate functions of finance, services, transactions, supervision, etc., can provide agricultural socialized service organizations and farmers with full -process agricultural production custody services.
In recent years, Shandong has focused on promoting the inclusiveness of rural financial services, modern agricultural industry, and facilitation of rural public services. With platformization, digitalization, and ecological models, it has promoted the digital ecological construction of “agriculture, rural areas, and rural areas.
As an example, the above agricultural custody service platform is an example. In addition to bidding agricultural capital through the platform and ordering fields to achieve cost reduction and efficiency of agricultural production, you can also choose to apply for the construction of the Bank of China Xingnong Fast Loan, Qilu Zhenxing Loan and other credit.Products solve the problem of difficulty in raising financing and expensive financing.
To make efficiency from science and technology, turn the digital platform into the stage of revitalization. Based on the experience of summing up the agricultural custody service platform, Shandong CCB promotes the sharing of technology and Taiwan.The ecological scenarios of 20 agricultural industry chains cover major agricultural products in Shandong, and achieved breakthroughs from point to face.
Today, on the land of Qilu rural areas, each industrial project has opened up the development framework. A “financial bond” has been beaded into a chain. With the financial assistance of the CCB’s Shandong Branch, the characteristic and advantageous industries are prosperous, small farmers and large agricultural agricultureOrganic connection, smart agriculture made the new generation of farmers “ears”, the mountains and towns changed greatly, and happiness was flowing.
In the future, Shandong CCB will continue to promote rural rejuvenation in accordance with Shandong, build a new era of agricultural strong, rural beauty, and peasant rich, and measure the Qilu villages with the footsteps of finance, promote services to the countrysideWith ability, the painting is “beautiful”, “good”, “good beauty”, and “Chunmei” rural scrolls with both tables and shapes.