Agricultural Bank of Guangxi Branch: Promoting the development of the real economy with financial innovation as the starting point

Since the 18th National Congress of the Communist Party of China, the Agricultural Bank of China Guangxi Branch has focused on the national “Belt and Road” strategy and the development strategy of the autonomous region, bearing in mind the political mission of serving the “three rural issues”, actively exerting the advantages of ABC’s grouping, integration and internationalization, and insisting on serving entities. The economy is the source, serving the society and people's livelihood as the main line, actively supporting the supply-side structural reform, fully serving Guangxi's economic and social development, taking the initiative to assume the responsibility of the financial service entity economy, and playing the role of "national team" and "main force". As of the end of September 2017, the balance of domestic and foreign currency loans of the Agricultural Bank of China Guangxi Branch was 233.562 billion yuan, an increase of 22.463 billion yuan over the beginning of the year, and the increase in physical loans reached 31.492 billion yuan (excluding the notes), helping the development of the "dual-core drive and three districts" of the autonomous region. It has made positive contributions to the construction of beautiful Guangxi.

Service supply side reform supports the development of the real economy

The Guangxi Branch of the Agricultural Bank of China conscientiously implemented the Memorandum of Understanding on the Cooperation of the Financial Services Entity Economy and the Guangxi Cooperation with the Guangxi Provincial Government. In recent years, it has actively docked the “13th Five-Year Plan” strategic project of the autonomous region, and signed strategic cooperation with local cities and major customers. The agreement and memorandum exceed 100 billion yuan, with high-quality credit resources, key support and service for major strategic construction projects promoted by the government, strengthen financial services in the fields of culture, education, medical care, health, consumer and people's livelihood, strengthen the promotion of industrial funds, PPP and other products, and accelerate the "three The development of county-level credit business in rural areas, based on the two major urban and rural markets to implement the integration of local and foreign currency operations.

In promoting the industrial transformation and upgrading of Guangxi and the balanced development of the economy. Focus on supporting Malaysian joint steel project, Guigang to Longan, Liuzhou to Zhangzhou, resources to Xing'an and other highway projects, Yulin to Tieshangang railway project, rural power grid reconstruction and upgrading project, Datang Group Lijin Beach and Caitouping Hydropower Station Construction of key projects at the autonomous region level. From the beginning of 2013 to the end of September 2017, a total of 530.05 billion yuan of loans (excluding bills) were issued, and the balance of various loans reached 233.562 billion yuan.

At the same time, around the strategic development plan of the autonomous region, actively support Guangxi's extra-large projects and major projects, assist Guangxi's traditional advantageous industrial development and industrial transformation and upgrading, serve the real economy, and accumulate project loans up to 100 billion yuan; actively support local government bond issuance and service places. In economic construction, a total of 383.9 billion yuan of local government bonds were issued, and a total of 66.215 billion yuan of local government bonds were underwritten.

Do not forget to do a good job in the three rural financial services

As an important force in the financial industry in Guangxi, the Agricultural Bank of China Guangxi Branch bears in mind the political mission of serving the “three rural issues”. In recent years, it has focused on the structural reform of the agricultural supply side, strengthened its responsibility, highlighted service priorities, and continuously improved the service and quality of the three rural services. Always adhere to the road of market-oriented reform, and vigorously promote the development of transformation and innovation in combination with the actual situation. In-depth study of the development of agriculture and rural areas, timely formulation and improvement of various agricultural credit policies, and gradually formed the guidance of the “Agricultural Corporation’s annual “Three Rural” credit policy guidelines, based on the agricultural industry credit policy and special credit policy, The “three-in-one” credit policy system that differentiates the “three-in-one” of the agriculture-related regional credit policy. Each year, according to the development characteristics of “three rural” in different periods, the “three rural” credit policy was introduced, the service focus was adjusted, the credit policy was adjusted, and safeguard measures were proposed to guide the development of “agriculture, rural areas and farmers” and county business.

In response to the advantage of Guangxi's sugar industry, the implementation of regional differential credit policies; for the county's affordable housing and shantytown renovation, real estate, tourism attractions, education, accommodation, health care, retail, wholesale and other industries, in the whole bank Different access conditions are set in the credit policy. The bank already has 172 “three rural” and county-specific products, such as: urbanization loans, rural land remediation loans, high-standard farmland construction loans, commodity market circulation construction loans, county tourism development and construction loans, forest tenure mortgage loans, rural areas. Land management rights mortgage loans, agricultural machinery purchase farmers loans, farmer cooperative loans, professional large household loans, farmer loans and other products.

In order to meet the needs of rural agricultural development, the bank combined with the actual innovation of Guangxi to launch “Golden Spike Sweet Loan”, “Farmer Home Loan”, personal fishing boat mortgage loan, migrant worker business loan, government credit card farmer loan, and Ganjiang tourism ship mortgage loan. Netease and other products. Full support for the "Industry Going Home, Retaining Mothers" project, providing business loans for 43,000 women, and a total of 2.241 billion yuan of industrial loans. Promote the development of key areas of “agriculture, rural areas and farmers”, accumulating 182.478 billion yuan of county-level loans (excluding bills), placing loans of 31.272 billion yuan for agricultural industrialization leading enterprises, 19.226 billion yuan for county urbanization loans, 7.344 billion yuan for water conservancy loans, and 342.74 for rural household loans. 100 million yuan.

In response to the national innovation-driven development strategy, the Agricultural Bank of China Guangxi Branch actively promotes mass entrepreneurship and innovation, promotes government micro-finance products such as tax credit, tax and electronic data, and data network loans, and increases the quality of science and technology, innovation and entrepreneurship. Credit support for small and micro enterprises. Focus on promoting the construction of “4321” government financing guarantee system, carry out cooperation between banking, banking and banking, increase support for scientific and technological innovation enterprises, optimize business processes, and adopt “factory” financial service model to effectively improve Xiaowei The intensive, standardization and specialization level of corporate financial services effectively solves the problems of “financing difficulties” and “funding expensive” for small and micro enterprises. At the same time, relying on new technologies such as Internet big data, “data network loans” and “E business stewards” are launched. And a variety of Internet financial products, help small and micro enterprises to transform offline purchase and sales channels, build online business networks, improve capital use efficiency and production and operation levels. Actively promote the development of inclusive financial business, take the initiative to solve the problem of 4,149 small and micro enterprises' entrepreneurial innovation, and accumulate a total of 47.552 billion yuan of small and micro enterprise loans.

Strengthen service transformation and enhance customer experience

Through technology support, we insist on parallelism between online and offline, and work together with machines to build multi-level and three-dimensional intelligent service channels such as physical outlets, financial convenience stores, handheld banks, and self-service devices to realize the intelligence of “customer self-help + manual assistance”. Service model to improve the ability of convenient financial services.

Enhance the customer experience, deepen the transformation of outlets, create intelligent outlets, personalized services and quality experience to become a problem in the face of traditional banks, and deepen the transformation of outlets. Accelerate the construction of multi-channel service system, continuously deepen the system reform, and build a network system with flagship stores as the leader, full-featured outlets as the core, light-weight outlets as the main body, self-service outlets as the extension, and complementary types of functions. As of the end of September 2017, the total number of self-service banks was 580, and the total number of self-service devices reached 5,819. The total amount of self-service equipment and transaction volume were among the highest in the industry.

Accelerate the construction of rural financial infrastructure, continue to promote the construction of payment and settlement services infrastructure in rural areas, increase the deployment of self-help equipment in rural areas, and carry out the "one-stop multi-energy, multi-station integration" cooperation point, and upgrade the Huinongtong service point terminal. Expand the service points of e-commerce, payment, payment, etc., so that the majority of rural residents can enjoy convenient financial services. In the county-level rural areas, there were 7,008 service points of Huinongtong, of which 5517 were on-line ABC E-housekeepers, an increase of 5015 compared with the beginning of the year. The Internet access rate of Huantongtong service points reached 78%, and 2123 assistance and withdrawal service points were deployed. There are 12,700 electronic machines, and the service covers 96% of the townships and 61% of the administrative villages. Innovatively launched the “e-agricultural butler” e-commerce platform, with 26,900 online customers. The business has covered all the counties in the district and opened the “last mile” of basic financial services.

(Editor: HN666)