Planning human language
The practice of Inclusive Finance in the county is closely related to the production and life of the local people. Inclusive finance should not only stay in the concept, as its promoter - the small legal person agricultural credit institution in the county, is not only the main body of financial innovation, but also the main force of financial inclusive. Recently, the reporter visited in some areas of Zhejiang Province, and gathered some fresh “small stories†of inclusive finance, which are shared with readers here, and I hope to learn from them.
Xu Zubin moved to build a house
Xu Zubin, a native of Liangtou Village, Fangyan Town, Yongkang City, Zhejiang Province, where his village is located at the foot of Fangyan Mountain, a 4A-level scenic spot.
Seeing the visiting reporter, Xu Zubin said: "In addition to the geological wonders of Danxia landform, our Fangyan Mountain can be traced back to the Qing Dynasty official Hu Ze of the Northern Song Dynasty. For many years, the villagers here have been circulating. Eat Hu Gong, use Hu Gong, and leave the slogan of Hu Gong's empty space. Unfortunately, in recent years, the number of tourists coming here has gradually decreased. Every time I hear someone say 'beautiful Fangyan, broken village', my heart It is not a taste."
However, all this changed in 2015. Yongkang He Ling Fangyan Town successfully entered the list of the first batch of characteristic towns in Jinhua City, and then successfully entered the second batch of provincial-level characteristic towns. At that time, "the overall relocation, comprehensive rectification" and "re-creation of He Ling New Fangyan" became the top priority of Fangyan Town. Xu Zubin’s two-headed village is the first village to be relocated. He told reporters that in the past few years, in addition to relying on mountains to eat mountains and relying on water to eat water, the village also managed to run a hardware business, but it is inevitable that the old houses that have been living for generations will be reluctant.
"The biggest problem is that it takes a lot of money to rebuild the home after the demolition. My son and I run a small factory, and the cash flow demand is large. The land to be reclaimed by the demolition and relocation will be a million yuan." Just as the family was worried about the money, his son’s words awoke Xu Zubin: “Will Yongkang Rural Commercial Bank not have a special loan for rural housing reform? No guarantee, no mortgage, as long as the credit is good, you can borrow 150,000 yuan each. The rural housing renovation credit loan, and the interest rate is very low." Xu Zubin immediately took out the books, calculators, and carefully calculated: four and a half of the land can at least lend 650,000 yuan, the annual interest paid is 46098 yuan, if the enterprise The funds are recovered quickly. After the new house is built, the first floor and the second floor will be rented out. It is also possible to repay the loan at any time. This is a cost-effective thing. I never thought of it before!
On the occasion of the 2017 Lunar Year of the Rooster, Xu Zubin moved into a new house. With the support of Yongkang Rural Commercial Bank, the most difficult financial problems in the original house building were completely solved. "Now the new house is equipped with an elevator. The old father and old mother enjoy the convenience of 'up and down'. Our husband and wife live on the third floor. My son and daughter live on the fourth floor. I also arranged for the grandson on the fifth floor. A playground, watching the children jumping and jumping every day, don't mention how happy, the surrounding neighbors are getting bigger and bigger, everyone moved from the old village to the town of Herring. Some are going to be old. The villagers who moved in the village, I told them that building a house is definitely not bad, because the special policy given by Yongkang Rural Commercial Bank, the special loan for rural housing reform, will definitely be able to round our housing dream."
Today, the new neighborhoods are most concerned about the future of the town. "Although the greening is still not perfect, but the prototype has already been made, I heard that there will be a pedestrian street, a bar street, a street in Mingshui in the future... Now the second floor of the second floor of my house can charge 100,000 yuan per year. The town was completely built. Visitors climbed the rocky mountain and went to the town to go shopping. The rent is definitely going up.†Xu Zubin said happily to the reporter.
Small cards contain great wisdom
In Zhejiang Yongkang, referring to the "Lizhou Card", the people of Yongkang called it "a card that people can't live without," which can be described as "one card in hand and traveled throughout Lizhou". The “Lizhou Cardâ€, which is integrated with public services, smart tourism, trade unions and vegetable baskets, contains the “great wisdom†of rural credit service.
In 2013, the Lizhou Card was born, and her appearance brought the gospel to the lives of the people of Yongkang. She can solve the problem of "three long and one short" for the public to see a doctor; she can provide a greener way for the public to travel; she can avoid the trouble of receiving broken coins and counterfeit money; she can also solve the trouble of waiting for the ticket to queue... ...a small card carries the life needs of a group of Yongkang people. This is the result of the enthusiasm and persistence of Yongkang Rural Commercial Bank committed to service innovation.
"Silver Medicine" makes it difficult for people to see a doctor.
Ms. Wang Liping, who lives in Gushan Town, Yongkang City, was in a hurry and came to the Yongkang Maternal and Child Health Hospital with her son with a high fever. When she arrived at the outpatient building, she was scared by the long queue that was queued. Seeing that his son burned badly, Wang Liping was more anxious. According to the past practice, Wang Liping can only hold the children in line to wait for registration. At this time, the hospital "Silver Medical" guide quickly stepped forward, guiding Wang Liping to use the Lizhou card registration, with the cooperation and help of the guide, registration, It took only half an hour for Wang Liping’s son to see the doctor to pay the bill and print the test report. Wang Liping said: "I used to see a doctor, queue up for registration, pay fees, and go back and forth. It takes at least half a day to see a disease. It wastes time, energy, and delays. The Lizhou card really solves the problem of medical treatment for the people. ."
Many people have had similar experiences when they were seeing a doctor. No matter how serious or serious a disease is, it will inevitably spend most of their time on the cumbersome process of queuing, paying, etc., and the irritable mood has become more anxious. In order to effectively solve this problem, Yongkang Rural Commercial Bank took the initiative to try and boldly innovate, actively integrated financial services into “smart medical careâ€, and monopolized the “Yingkangtong†project of Yongkang Health System, and launched a new integrated rural cooperative card and bank card. The hospital card and various agricultural subsidies and other deductions will be issued on behalf of the "Luozhou card", the customer can hold the Lizhou card in 21 hospitals, 58 community health stations, 144 The village-level clinics provide one-stop medical services such as real-time self-service registration, appointment registration, self-service payment, no confidential payment, self-service inquiry, and self-service printing.
Green travel health and environmental protection
Retired old man Wang Zhenfei is 60 years old and has a tough and energetic body. If it wasn't for him that he was 60 years old, no one could guess his true age. It turns out that he has a health secret, that is, he insists on riding a public bicycle every day to exercise and breathe fresh air. When it comes to public bicycles, he has to mention the Lizhou card that has been with him for more than two years. A small card that carries the bits and pieces of his life in his later years makes him a special liking. Wang Zhenfei said that the previous trips were generally walking or taking the bus, now every
Going out in the morning, he did not forget to bring the Lizhou card, riding a public bicycle at the public bicycle station at the door. He rode a public bicycle around the Yongkang River, breathing fresh air and experiencing the green way of travel. After two years of persistence, the body has become more robust.
Yongkang Rural Commercial Bank actively expanded the application of the Lizhou card industry, and joined the Municipal Administrative Law Enforcement Bureau to monopolize the city's public bicycle project, achieving full coverage of 145 stations and more than 3,000 public bicycles. Citizens can enjoy the fast-rental public bicycle service with the Lizhou card and enjoy free discounts within 1 hour. At the same time, through the self-service card issuance, "group card", counter card issuance and other services, the processing channels of Lizhou card are further expanded. The province took the lead in implementing the “flash payment†application of the public bicycle project with 3.0 chips, providing the citizens with a more convenient way of consumption. According to statistics, the amount of credit card traveled by Lizhou IC card bus has reached 10,000 per day, and the daily usage of public bicycles is 6,000.
Swipe to buy food has become a public consumption habit
Yongkang citizen Ying Ms. is a housewife. Every day she has to go to the vegetable market to buy food. The change that is recovered every time in the vegetable market is not very dirty or very broken, which makes Ms. Ying distressed. Since she has run the Lizhou card, all these problems have been solved. Now, she is used to using the Lizhou card to buy meat, fruit, etc. on the market. On the one hand, she does not need to carry cash to buy food, avoiding the trouble of finding change; on the other hand, she can effectively avoid the trouble of collecting dirty coins and breaking coins.
In the vegetable market, household consumption is mainly based on small cash payments. The merchants in the vegetable market need to prepare a large amount of cash to meet the transaction change. The citizens often encounter a few bags of things while buying food. Look for the change of money, but also to vacate the energy to identify the true and false of the coin. Faced with the problems and difficulties of merchants and citizens, Yongkang Rural Commercial Bank is committed to promoting electronic payment methods, cooperating with the large-scale vegetable market in the city, and exclusively contracting the “vegetable basket†project, and supporting the small-scale flash payment through the unified installation of merchants in the market. POS electronic scale machine, to achieve the people to hold Lizhou card to buy food "swing card payment." Up to now, the cumulative transaction has reached more than 20,000, with a transaction amount of 35.6 million yuan.
Farmers can get loans only once
Recently, Mr. Zhong, who is engaged in express delivery in Guangdong Province, rushed back to his hometown, Lushan Nationality Township, Tonglu County, Zhejiang Province, and applied for a loan of 200,000 yuan to Tongshan Rural Commercial Bank Lushan Branch to prepare for the operation of express outlets. According to the loan experience of the previous years, he first submitted the loan application to the outlet, and then waited for the account manager to reply, and then he had to make an appointment with the account manager to make the loan time, and he had to run several times before and after. Therefore, this time he plans to use three days to apply for a loan. What surprised him was that this time he only spent more than an hour, and only ran a branch outlet, and a working capital loan of 200,000 yuan was paid out.
Tonglu Rural Commercial Bank focuses on the construction of several households, optimization of credit process, construction of Puhui station (point) and financial product innovation, and actively explores the “one-stop†model of credit, and solves the current number of households with small loans. The problems of miscellaneous work, high management intensity, and repeated round-trip loans for farmers have met the financing needs of farmers, small and medium-sized industrial and commercial households, and realized the “maximum run†of small loans for farmers.
Since 2014, the Bank has carried out the Pratt & Whitney visits in the county in accordance with the requirements of the promotion of inclusive financial projects, and implemented the “walking system†of account managers to build a data warehouse for farmers. Independently develop the “Hand in Hand E†office system, with PAD as the technology support, nearly 100 account managers visit each household by village, enter the head of the household, fingerprint, identity information, family situation, work situation, etc., to understand the production and operation situation and financing needs And with the model of the whole village promotion, carry out the public credit, so that each farmer can clearly know how much he can borrow. Continued in-depth circulation visits allowed the bank's account managers to walk in, sit down, and chat. By the end of 2016, the bank had built 104,864 effective data warehouses for farmers.
In order to better promote the "maximum run once" credit service, the bank further integrated the contract text, implemented the loan application, investigation report, loan risk evaluation, loan approval form "four in one", and relied on the front and back office account manager 2: 1 staffing mode, mobile approval and the provincial agricultural credit union credit platform, promote the separation of front and back office operations, and realize the mobile approval of small loans of farmers (persons) of 300,000 yuan and below. The separation of front and back-office business operations and credit process simplification has enabled farmers to break through time and space restrictions on microfinance, with simpler procedures and fewer signatures, avoiding the phenomenon of “white run†and “emptyâ€.
While promoting the simplification of the procedures, the bank vigorously promoted the work of “basic finance does not leave the village, and comprehensive finance does not leave the townâ€. It has invested nearly 20 million yuan to build the Pratt & Whitney financial service station (point) and open up rural financial services. “Kilometers†to realize the “household door†business of farmers. By the end of 2016, 264 Pratt & Whitney service stations (points) have been built, covering all administrative villages and natural villages with a relatively concentrated population. On the basis of “one village, one pointâ€, the bank implemented gridded dynamic management, timely adjusted site deployment, optimized and improved the functions of financial service equipment in the site, and optimized cores such as small deposits, transfers, and replacements. At the same time of the business, additional functions such as small loan issuance, financial management signing, citizen card recharge, and smart medical binding are added to enable the majority of farmers to conduct business and take loans in the village. In 2016, through the Pratt & Whitney Service Station (point), it provided services for 498,300 person-times, and business transactions amounted to 711,800.
The difference between the bed sheet and the fitted sheet is still quite big. First of all, the bed sheet is a square piece of fabric, and the edges will be edged with thread, which can protect the mattress from getting dirty. A fitted sheet is a more complex sheet that wraps the mattress, which is equivalent to wearing a tight jacket. Cut a small square off all 4 corners of the sheet and sew it together to make an elasticated cover.
The effect of the two is also different, the sheet will move left and right, and the fitted sheet will not slide as easily as the sheet. Although they can protect the mattress, so as not to get dirty. The bed sheets are still mainly focused on the decorative aspect, with different patterns and colors. After the ordinary mattress is covered with sheets, the color is richer. The sheets will move from side to side and the fitted sheet will not slide as easily as the sheets.
The applicable objects of the two are different. For example, ordinary beds can use sheets. If the height of the hoarding is higher than that of the mattress, it is more suitable for laying a fitted sheet, but it is not suitable for a bed skirt at the end of the bed.
fitted sheet,Sheet, bedsheet 100% cotton, waterproof fitted sheet
Shaanxi Xiaoze Textile Co., Ltd. , https://www.sxxzth.com