Our reporter Guo Xiaodong
Correspondent Huang Wei
"Now the farmer's bank handles the poverty alleviation loan procedure is simple and convenient. The president and the account manager will come to the house to understand the situation and help me to go through the formalities. I don't have to go back and forth to the bank. I can finish it in a day or two and I will get it soon. Loan. This is the evaluation of the poverty alleviation loan of Linyi Rural Commercial Bank by Xue Shuijun, a villager from Jiazhuang Village, Beijing Township, Linyi County, Yuncheng City, Shanxi Province.
Xue Shuijun, 38 years old, has suffered from polio since childhood. His father is old, frail and sick, and his mobility is inconvenient. The two old people usually need a lot of medical expenses. The two children are still in school. There are only a few acres of land in the family. Can't make ends meet. Although Xue Shuijun runs a curtain cloth shop, but the funds are difficult to turn around, the business is not tepid, the elderly's medical expenses, child support, store turnover funds, heavy family burden on Xue Da Ge, let him than his peers It looks even older. Wang Wancai, the account manager of Linyan Rural Commercial Bank's Dayan Sub-branch, went to the countryside to investigate and learn about Xue Da Ge's situation. He used it as a key support object and completed the investigation, file establishment and rating credit work in the shortest time. 50,000 yuan poverty alleviation loan for the purchase of goods, management of storefronts and daily turnover. At present, Xue Da Ge's curtain shop has a complete range of goods, a wide variety, and a variety of flowers. The surrounding people often patronize and see his hope for life from Xue Da Ge's smiling face.
In Linyi, Shanxi, there are not many cases like Xue Da Ge. Many farmers suffer from lack of funds, technology and other resources. Their living conditions are arduous and they are deeply immersed in the abyss of poverty. Since the beginning of this year, Shanxi Linyi Rural Commercial Bank has voluntarily assumed its own social responsibilities, refined its services, and carried out multiple strategies, and worked hard to promote the core issues such as “supporting whoâ€, “who will help†and “how to helpâ€. The work of poverty alleviation has achieved practical results, and the most beautiful movements of precision poverty alleviation have been played on the ancient land.
Fully grasp the basic information of the poor. It is essential to get rid of poverty and grasp the basic information of the poor. The Bank has done a solid job in the survey of poverty-stricken households, poverty alleviation and documentation, organized the Bank's account managers to conduct customer information documenting APP system training, emphasized the necessity and importance of establishing a card, and improved the targeting of precision poverty alleviation. And effectiveness; according to the geographical location, 24 financial poverty alleviation squads were established; each team was led by the team members, actively acted, went deep into poor households, and had zero contact with poor farmers, face-to-face communication, and household-to-house investigations. A comprehensive understanding of the basic information of poor households, face-to-face poverty alleviation files, as far as possible to grasp the actual production situation of each household, and earnestly achieve "really help the poor, help the poor." Up to now, the bank has established archives for 6,443 poverty-stricken households in 93 administrative villages under its jurisdiction, providing a basis for formulating assistance measures and providing assistance services.
Provide credit service support for financial poverty alleviation. There are 9 towns, 375 administrative villages and 550 natural villages in Linyi County, with a total population of 560,000, including 510,000 agricultural population; 1.5 million mu of cultivated land and 74.6% of arable land. It is a typical agricultural county. The crops are mainly apple, peach and jujube. The annual investment of farmers is about 30,000 yuan. The characteristics of the first investment and the post-harvest production have caused many farmers to lack the necessary financial guarantees in the production and planting process. On the basis of the investigation, Linyi Rural Commercial Bank completed the work of establishing the card and rating credit in the shortest time to ensure that the poor households can get the poverty alleviation loan as soon as possible, and fully play the role of the “helper†of the farmers to get rid of poverty.
Construct a one-to-one poverty alleviation service system. In view of the uneven distribution of the poor population, the party committee members and the heads of the line departments and the poverty-stricken households have formed a helping pair, and adopted a comprehensive approach of “one household, one policy, and one-person policyâ€. On the basis of a detailed understanding of the basic situation of each poor household and the causes of poverty, provide corresponding financial support, technical support and social care and other support measures. Pan Jinhu, a villager in the seventh-level village of the seventh-grade town, relies on working outside for a living. His parents can't take care of themselves because of sudden illness. They need to take care of themselves. The family loses their income source, and the house is on the verge of collapse. It brings heavy weight to this family. Strike. Linyi Rural Commercial Bank and its friends formed a pair of helpers, and regularly gave condolences to encourage him to have the courage and confidence to overcome difficulties, and let him experience the warmth of society through humanized service. With the support of all walks of life, Pan Jinhu is currently taking care of his parents while working part-time in the vicinity. Life has hope.
Improve the accuracy of the support measures. While doing a good job of information filing and rating credit “double coverageâ€, the bank set up a combat room for poverty alleviation and set up a team to help the village to strengthen the operational management and supervision of financial poverty alleviation. The bank continued to refine the supporting measures, increase the care and condolences to the non-normal labor subsistence households, and let them experience the warmth of the society; provide the corresponding financial guarantee for the poor households with working ability for their own development, production and life. And technical support. At the same time, the bank has placed 33 financial aids and 107 financial aids in the whole jurisdiction. Farmers can apply for low-income and old-age services, and provide regular door-to-door service. Do our utmost to meet the “one-stop†service needs of farmers.
Accurate poverty alleviation, accurate poverty alleviation, and an arduous mission, have a long way to go. Shanxi Linyi Rural Commercial Bank gathered the power of the whole bank to refine the supporting measures, improve the service process, and proceed in the road to poverty alleviation. Driven by the small-scale loans of 62.13 million yuan for poverty alleviation, Linyi Rural Commercial Bank sent warmth and care to the hands and hearts of poor households, and played the strongest voice to serve local economic development and precise poverty alleviation. Poor households have escaped poverty and embarked on a path of happiness.
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