Integrate, integrate and integrate into rural revitalization efforts

Rural finance is an important part of China's financial system, and the construction of financial power cannot be separated from rural revitalization, which needs the strong support of rural finance. Compared with previous years, the demand for rural finance in the new era of rural revitalization has changed.

"The continuous release of rural financial demand in industrial development, infrastructure construction, consumption upgrading and other aspects puts forward higher requirements for financial institutions to improve the innovation of financial products and services, and better meet the high-quality development of rural industries, rural consumption upgrading, and financial risk management." China Postal Savings Bank Sichuan branch relevant person in charge said.

Stone Chair Qiang Village on the Clouds (Photo by Yang Fan)

Granaries accelerate infrastructure and facilitate integration

Finance is not only a resource, but also a factor to promote rural development. Financial services to rural revitalization, we must use the financial matchmaking intermediary function, combine factor value with rural revitalization planning, improve rural total factor productivity.

When granaries are abundant, the world is secure. Cultivated land is the "key element" of grain production, and the construction of high-standard farmland is an important measure to carry out the strategy of "storing grain in the field and storing grain in technology". In Luzhou, Sichuan Province, every year when the autumn harvest winter seeds, the fields in addition to the busy figure, there is a bright "postal savings green". Postal Savings Bank Luzhou branch staff with mobile exhibition equipment to the field to meet the financial needs of farmers in an all-round way.

"Since the beginning of this year, we have approved and granted 100 million yuan to a high-standard farmland project in Gulin County, in-depth cooperation with a high-standard farmland project in Lu County, and handled more than 300 batch cards for farmland construction workers, and paid more than 1 million yuan for migrant workers." Postal savings Bank Luzhou branch related staff said.

Focusing on the construction of agricultural and rural infrastructure is a key task to expand effective investment and stabilize the economic market, which is conducive to enhancing the ability to ensure food supply, integrating rural land, capital and other production factors, and continuously introducing financial "living water" to the vast rural land.

Industry flourishing build circle strong chain promote integration

Finance not only provides financial support, but also promotes integrated development. Financial services rural revitalization needs to know the needs of the people and solve the problems of the people through service access and product innovation, and help the integration of the first, second and third industries around the entire agricultural industry chain to build a new ecology for rural development.

The existing kiwi planting base in Dujiangyan City is 103,000 mu, with an annual output of 120,000 tons and a total output value of 1.863 billion yuan, which is known as "China's green ecological kiwi Township". With innovative products such as "Characteristic industry loan" and "Huinong Fast Loan", the Dujiangyan branch of Postal Savings Bank has combined its regional advantages with industrial finance, effectively solving problems such as financing difficulties in the kiwifruit industry chain. Up to now, more than 20 million yuan has been lent.

"In August this year, the four major online platforms of the post opened sales at the same time, and the cumulative sales of kiwifruit were more than 120,000 pieces and more than 100 tons." The relevant person in charge of the Dujiangyan branch of the Postal Savings Bank introduced, "From the front-end technical service, to the middle credit support, and then to the back-end sales channels and transportation, we provide the whole industry and the whole process services."

By building an industrial chain model of "from base to table", finance not only enhances the value of all links of the industrial chain, but also gives play to the multiplier effect of the integration of primary, secondary and tertiary industries, fully integrates various rural resources, guides more financial resources to be allocated to key areas and weak links of rural revitalization, and improves financial service capabilities.

Postal Savings Bank digital RMB service for rural revitalization, the picture shows the staff of the bank on-site service of digital RMB merchants in Shizhu Qiang Village (photo provided by Sichuan Branch of Postal Savings Bank)

People music numbers can promote integration

Finance will not only "money makes money", but also realize "people help people". Financial services for rural revitalization, should pay more attention to the humanistic care of finance, through the power of finance, improve the main awareness of farmers, so that the majority of farmers in the development of the dividend.

When I came to Shizhu Village in Beichuan Qiang Autonomous County, the village in winter had a different kind of quiet and peaceful. This is not only a reconstruction village after the Wenchuan earthquake, but also a demonstration scene of digital RMB rural revitalization. "Now using digital RMB to collect money is not only safe, but also saves fees!" Referring to the digital RMB collection service just launched by the Beichuan branch of the Postal Savings Bank, Cen Min, the operator of the Green Fengyuan farm music in Shijie Village, was full of praise.

"The digital RMB has the advantage of '0 rate and real-time settlement', and the pilot promotion in Shidao Village not only improves the payment and settlement efficiency of merchants in the village, but also allows grassroots people to take the express train of digital economy, and break a new path for the innovation and integrated development of the whole village's business." Postal savings Bank Beichuan branch related staff said. It is understood that the bank has launched a number of application scenarios such as homestay, farmhouse, postal delivery outlets, and has carried out a number of activities to reduce the consumption of coins, promoting nearly a thousand tourists, and driving the consumption of more than 100,000 yuan in the village.

It is worth mentioning that the Beichuan Branch of the Postal Savings Bank has promoted digital RMB to the surrounding villages and towns, further broadened the application scenarios of digital RMB, effectively promoted the integration of finance and villagers' daily life, and provided a solid financial guarantee for rural revitalization and digital village construction.

"In the future, our bank will continue to uphold the original intention of 'finance for the people', focus on the needs of 'agriculture, rural areas and farmers', continue to make greater efforts in product innovation, model innovation, system innovation and process innovation, improve farmers' satisfaction and sense of gain, and help build an agricultural and financial power with high-quality financial services." Postal savings Bank Sichuan branch relevant responsible person said.