农行永嘉支行：组合创新 “双料提升”

Agbank's always fine branch: combination innovation "double increase"

"Facing agriculture, rural areas and farmers, urban and rural service" is the glorious mission of agricultural bank, through financial reform pilot zone in wenzhou set up successful opportunity, agbank's always fine branch of zhejiang province accelerated the pace of the service "three agriculture", and constantly strengthen the efforts to support the real economy. Through the series of products and business innovation, agbank's always fine branches increased its overall "software and hardware double strength, rich connotation and form of the service entity economic development.

Product innovation boost agriculture, rural areas and farmers service "on the"

"Village Banks" - and pass: in October 2012, agricultural bank always fine branch was always fine county via "and" project promotion, opening the new situation that the innovation of rural financial payment.

According to understand, "its" is unique to the innovation of agricultural bank's service to agriculture, rural areas and farmers brand, it is a corresponding card as the carrier, with intelligence FuTong (phone) as support, POS machine, via "agribusiness", kiosks, etc as supplement, through the channel such as online banking, mobile banking, telephone banking products extend rural electronic financial services products. Say simply, rural residents can pass such products, never out of the village can realize the petty cash, pay the electricity and water, can also use corresponding card to pay the new agriculture, new farming and other social insurance premium, not only from the frequent exchanges of bank outlets overworked, also reduce the risk of going back and forth across the cost.

"' and 'after installation in our store, our shop's popularity is high up!" A peasant and store user said. As via "and" continuous promotion and use, rural microfinance is hard to pay, pay the situation will get effective relief.

"Mobile banking" - residency group: will in early September to the end of November last year, always fine rock head, huangtian area is active, a group of figure for rural residents to the citizens' social security card is dealt with "one-stop services, they are always fine agbank" residency team will ".

Residency team will set up the original intention is to make up for the blank of rural financial services. According to agbank's always fine branch relevant controller introduces, residency team will waiting game, can according to the rural financial service demand, go village household in-depth services. Yongjia county, the residency citizens to deal with social security card, will benefit the villagers 30000 households, the citizen card to deal with can also form a complete set of social security via "and" realize the full use of social security funds, improve the villagers' welfare.

"Village bank" and "mobile banking" mode of product and business innovation, for county residents to bring real convenience, also helped "on the" agriculture, rural areas and farmers service.

"SMS financial" racing site service efficiency

At the end of 2012 to the present, agbank's always fine branch launched the "text message queue" and "texting" remittance business, effectively alleviate the difficult to "line" and "difficult" remittance this historical problem, has become the image of the technology to benefit society.

According to understand, use "message queue" function, should be first in line to the branch signed SMS remote take on board function. Signed after the success, the customer to the bank to transact the business before, only need to send "DXPD business category (message queuing) + 1 + 4 node number" to 106573095599, you can get in line. Customers can according to oneself to the front of the network distance calculation with several customers began to set off for outlets, arrived after network direct credit card can get SMS reservation number. In addition, if the queue number too much, the customer can also set up SMS alerts, by setting the "reminder" in line, can be in the queue number, receive a message and return to handle business, removed from the waiting time.

At the same time, the use of SMS "affection" remittance business, can be in other cities need to pay alimony for migrant workers, parents, children need regular pay living expenses to go to school out of customer convenience. Customers can always fine agriculture bank to any site autograph SMS "affection" remittance business, will need to bind the customer phone number, and turn out, turn to agricultural bank debit card account. Finish after signing, need to move finger to send text messages to the specified number, you can transfer from account to the remittance into account, a swing can be to the account.

"Text message queue" and "the message of the remittance", embodies the SMS financial unique charm, became the bank always fine branch combination of innovation and a window.

Credit support "deep" development of small and medium-sized enterprises

Support small and medium-sized enterprise development is the eternal theme of service entity economy, is also a bank always fine branch based on the actual one, return on society. In against the economic downturn "winter", the process of deepening financial reform, agbank's always fine branch made their own characteristics.

Differentiation for examination and approval to construct the "lifeline" : always fine agricultural bank for small and medium-sized enterprises to provide "one-stop approval" mode, implements the synchronization for rating, credit, with a letter, a survey and a review and approval at a time. And promote implementation of the review, approval, mortgage registration, post-loan management, lending, archives management, centralized "six focus on quick service model", the specification of credit operation, effectively guard against operational risk and moral risk, and improve the efficiency of the credit decisions, and timely use of credit funds for small and medium enterprises to provide business support.

Innovation credit policy to deepen financial reform, a pilot is to speed up the small business credit. Always fine from agbank's growth, science and technology, environmental protection, and other key national industrial policy support small businesses in the preferential selected a number of enterprises to participate in the first batch of pilot, on the basis of the pilot project is successful, will gradually expand the scale of the enterprise and credit. Second, innovation promotion of small and medium-sized enterprises credit products. Actively promote equity pledge, accounts receivable financing, inventory and other business, innovation promotion zone standard factory building mortgage loans, overdraft treasure products such as small businesses. Three is to implement differentiation tolerance of non-performing loans. Allowing small business specializing in new small-business loans defective rate slightly floating tolerance, to establish small and medium-sized enterprise credit due diligence liability, accountability system, within the risk tolerance, are not related to operation risk, moral risk formation of non-performing loans, reported to regulators agreed to after, to relevant personnel for due diligence.

Through a series of credit support, always fine agricultural bank in support of great achievements in the development of small and medium-sized enterprises, for the yongjia county development of small and medium-sized enterprises to the heater.

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