"Now, I not only save money, transfer money and remit money, but also don't have to go out of the village to pay utilities. Even measuring blood pressure and weight can be done here. With the' harvest station', our life is more convenient! " At the harvest station in Ding Cun, Nanzheng, Fushan Township, huangyan district, the villagers said with a smile.
"There will be fresh brown sugar this year. With the help of Zhejiang Rural Credit Harvest Station, our brown sugar can be sold further and let more people in the city taste the taste of their hometown. " Lin Weijun, head of Gulin Brown Sugar Cooperative in Chengjiang Street, huangyan district, Taizhou, said.
In order to make more people enjoy more convenient comprehensive financial services, since 20 15, Zhejiang Rural Credit Cooperatives have taken the lead in launching the "Harvest Station" service mode of five-in-one financial, e-commerce, logistics, people's livelihood and government services in the province, building an offline intelligent service channel and an online comprehensive service ecosystem. Together with nearly 4,200 business outlets in the province, * * * has formed a service network all over the province and most administrative villages and urban communities, and has become an important carrier for deepening inclusive finance, helping rural revitalization, deeply integrating into social governance and opening up the "last mile" of financial services. By the end of 2020, Zhejiang Rural Credit Cooperatives had built 10435 postal stations with 12392 machines. In 2020, 42,270,800 financial business transactions were realized, with a transaction amount of 76,486,000 yuan, and the cumulative number of customers served reached14,279,800. Non-financial services (including purchasing, consignment, express collection, express delivery, social services, government services and other services).
Practice all-round inclusive finance
Enjoy "one-stop" service without leaving the village.
Enter Zhejiang Rural Credit Harvest Station, self-service cash deposit and withdrawal machine, harvest Internet experience machine, government service machine, etc. Both. Harvest Station has changed the closed counters of previous bank outlets, and set up basic functional areas such as financial service area, convenience service area and agricultural products display area to provide residents with an open service experience and provide warm-hearted services such as "opening all year round, opening at noon and delaying in the morning and evening".
"The loan of 500,000 yuan has arrived, and the watermelon planting area has been expanded with funds. Successfully overcome this difficulty and you can earn hundreds of thousands more next year! " When Huangyan Rural Commercial Bank of Chengjiang Street went out to Guannong Harvest Station, Wang Xianquan, a villager in Xinzhou Bridge Village, was very excited to get a loan of 500,000 yuan to grow melons. "I am short of money, have no collateral, can't find anyone to guarantee, and turn a deaf ear to bank loans." Under the matchmaking of Huangyan Guannong Association, Wang Xianquan turned to the Harvest Station of Huangyan Rural Commercial Bank for help with a try. To his surprise, the credit problem was quickly solved.
The picture shows the staff of Huangyan Rural Commercial Bank going out to Guannong Harvest Station to understand the demand for Guannong credit funds.
It is reported that in order to make inclusive finance's services more efficient and targeted, Huangyan Rural Commercial Bank has set up a melon farmer management department at Guannong Harvest Station according to the characteristics of local industries, and jointly established a melon farmer service team with District Xinlian * * * to provide professional financial services for melon farmers by conducting irregular research on the service mechanism of melon farmers, organizing visits of melon farmers, exchanging experiences, seminars and training, etc. At the same time, actively cooperate with the Poverty Alleviation Committee and the Finance Bureau to promote farmers' entrepreneurial poverty alleviation loans, and tailor innovative products such as "agricultural entrepreneurial loans", "hometown connection", "excellent financing", "orange loans" and "personal renewal loans" for farmers to fully assist the rural revitalization strategy.
For a long time, Zhejiang Rural Credit Cooperatives have taken supporting agriculture and supporting small enterprises as their responsibility, and most of the collection points are located in remote rural areas, which effectively fills the gap in rural financial services and enables rural people to enjoy "one-stop" convenient living services when they go out to work.
In recent years, Zhejiang Rural Credit Co., Ltd. has continuously broadened the service connotation of Harvest Post. In addition to covering a series of basic financial services such as small deposit and withdrawal, loan acceptance, transfer and remittance, it also effectively integrates social resources such as finance, e-commerce, logistics and rural areas. Provide more than 100 government services, such as paying utilities, signing two fees, administrative examination and approval, e-commerce services, logistics services, and people's livelihood services. And innovatively launched the trinity of production, supply and marketing credit of the first agricultural cooperative in the province, the first financial convenience store in the province that integrates finance, physical supermarkets and convenient services, and a series of characteristic post stations such as "5060" club, police station, "German and American Harvest Station", "Supply and Marketing E Harvest Station", Chen Wangdao Red Harvest Station, Xiaoyi Dongdong Harvest Station, Smart Library Harvest Station and International Harvest Station. Let people enjoy the "most intimate" and "close at hand" inclusive finance service at home. For example, Ke Cheng Rural Commercial Bank will integrate the Harvest Station and the rural convenience service center into a "government-bank cooperation" organization to realize "one window acceptance" of various businesses. The first batch of 62 high-frequency handling matters involved civil affairs, social security, medical insurance, disabled persons' Federation, rural finance, tourism and so on. Has been officially accepted. Each "government-bank cooperation" agent has an average of more than 400 agents per month, and the handheld office has reduced the number of villagers running back and forth for more than 50,000 times.
"The harvesting station is very close to us, and you can enjoy all kinds of services without leaving the village. If you have any minor difficulties, you can go directly to the station for help. " Yang Zhifu, a villager in Jing Quan Village, Lanxi City, said that he would come to the post office several times a month. In addition to paying pensions and utilities, he will also participate in the Red Cross rescue and fire protection knowledge training with friends. In Lanxi City, many rural roads are long and mountainous, and many villagers need to take 1-2 hours to get government subsidies in the market town. Zhang Zaiyi, stationmaster of the "Harvest Station" in Dudu Village, Nubu Street, Lanxi City, said, "In the past, ordinary people had to go to the service hall for at least two or three trips to handle a set of medical insurance business (insurance, payment, deduction and inquiry). Now, villagers can handle the whole set of business in one stop at the harvest station at their doorstep, without queuing in the service hall.
It is reported that the "Harvest Station" of Lanxi Rural Commercial Bank has handled 695,000 businesses and served 390,500 people in the past year. "I remember that at that time, the Harvest Station could only carry out simple deposit and withdrawal business. Later, people's livelihood services kept coming in. At first, I didn't understand why I had to do these livelihood businesses. With more and more villagers coming to handle business, I have solved more and more problems for them, and my sense of pride and value has come up. " Zhang Zaiyi said cheerfully that seeing the people happy because of his service made him more energetic. I hope that more people's livelihood services can be handled in the Harvest Station in the future. In addition, this year's harvesting station of the bank also integrated the recruitment information of people's livelihood enterprises. At present, 75 enterprises in Lanxi City have released 590 jobs in the post office, taking the lead in realizing the sinking of recruitment information into the village.
The picture shows Zhang Zaiyi, the stationmaster of Harvest Station of Lanxi Rural Commercial Bank, handling the payment of "two fees" (medical insurance and social security) for villagers in Shangxinwu Village.
In Changxing, citizen Jia walked into the flagship store of Harvest Station of Changxing Rural Commercial Bank and exchanged more than 200 carbon points saved by his participation in garbage sorting and business trip for goods. "I didn't expect that the points accumulated in the green financial business can also be used as money. The exchange service at the harvest station is so intimate! " Jia said. This is due to the official landing of the first "financial" green carbon point exchange point in Changxing County in the flagship store of Harvest Station of Changxing Rural Commercial Bank. In addition, every citizen can also exchange green carbon points at the flagship store of Harvest Station for counterpart assistance from Changxing in Muli, Sichuan and high-quality agricultural products from the Banking Bureau of Chayouhouqi Province, Inner Mongolia, forming a "green finance" long-term poverty alleviation mechanism.
In Ninghai, Wu Guiying, a villager from Nanzhuang Village, Yuexi Township, came to the "Feng Collector's Station" in the village. When her mobile phone was swept away, she could easily get the items that her daughter bought for her online. "I used to ride an electric car for nearly 20 minutes to go to the express delivery agency in the village. You can take it at your doorstep now, and you can also deposit, transfer and pay the phone bill. It is really convenient. "This is due to the cooperation between Ninghai Rural Commercial Bank and Ninghai County Transportation Bureau, and the innovative practice demonstration site of Fengjike Station was built. The bank cooperated with the rookie station and took the lead in developing the intelligent delivery project of urban and rural bus express delivery to the countryside in the province. At present, eight express delivery companies, including Post, SF Express and Tongda Department, have joined the "Fengjie City Post Station".
Fully serve rural revitalization.
Consignment of agricultural products helps farmers to increase their income and get rich.
According to local conditions, Zhejiang Rural Credit Cooperative fully integrates the construction of harvest stations with local regional characteristics and characteristic industries, continuously enriches the service functions of harvest stations, effectively integrates online and offline resources, helps local characteristic agricultural products to open up financial service channels integrating publicity, sales, logistics and fund settlement, improves the quality and efficiency of local characteristic industries, injects new vitality into the strategy of serving rural revitalization, and fully promotes agricultural efficiency and farmers' income.
The picture shows the staff of Hua Kai Rural Commercial Bank introducing local specialties such as farm honey and carrot crisp to the returnees at the Harvest Station of the South Bus Station under its jurisdiction.
In Hangzhou, Chun 'an Rural Commercial Bank under its jurisdiction has established a harvest station in Hangzhou Jiangdong Hangqian Poverty Alleviation Development Zone, a financial convenience service point and a Chun 'an agricultural and sideline products exhibition center in Hangzhou. Together with Qiandao Lake Chamber of Commerce, we will create a "Chun 'an enclave sample version" for the value conversion of ecological products, and promote Chun 'an green organic products, high-quality agricultural products and folk cultural products through sales and logistics channels. At the same time, the bank timely docked with 23 towns and villages in Chun 'an County, carried out special exhibition activities, and delivered Chun 'an "earth" goods to thousands of households in Hang Cheng, helping Chun 'an County to reduce losses and increase income. Since its establishment four months ago, it has achieved a revenue of more than 400,000 yuan, sold more than 3,000 kinds of goods and received more than 0/00 visits from provinces, cities and counties.
Editor-in-Chief/Liu Xiaocui, Director of New Media/Li Bo
Related Q&A: Can Zhejiang Rural Credit Jiashi Internet Mobile Banking be deleted if it is not used? If you don't use the bank's mobile banking, you can delete it, or you can cancel these banking services at the bank where you open the account.