Coffee market is full of "one cup of coffee"

"Rural Finance Bar" is the first rural financial service station in the country to enter the administrative village.

Wang Yingyi

The winter weather does not blow away the joy of the villagers in Sanban village. On December 24, a coffee bar was unveiled and opened, providing 10 key financial services such as financing, deposit and credit information, and guarantee for Sanban village and its villagers.

"Xiaomi Village has also played a high-end game, and the colonization of our village is blessed." The "village finance bar" in the village is open, and Mr. Liang, the colonist of Sanban village, is ready to have coffee in the bar and ask some questions about financing.

As a rural financial reform area of the whole city, the gold-rich areas attach great importance to rural financial work, and the newly opened "rural financial bar" is set up for the reform of rural financial reform, and it is planned to be opened in nine administrative villages in the region in the future.

It is understood that the "Rural Finance Bar" is the first rural financial service station in the country to enter the administrative village. It is the first time in the province to combine financial services with coffee elements to provide a new form of household financial services for farmers.

● Southern Daily Chronicle Tu Li Wan

Provide free insurance information and angel investment service

At the village committee meeting of Sanban Village in Jinchuan Banner, the fragrance of coffee spread out from the "Village Finance Bar" in Jinyuanqi. When you walk into the house, you can see a coffee bar more than one meter high. If you have anything, guests can order a cup of free coffee at the bar. If you don't look at the signs, "Village Finance Bar" is like a coffee shop filled with small information.

Relying on Shachi and drinking coffee, the "Village Financial Bar" offers a wide variety of financial services, such as financing, deposit, credit, insurance, and so on. This is a manifestation of strengthening the construction of rural financial services and developing inclusive finance in the financial areas. The gold-rich areas attach great importance to rural financial work, and the district chief Yun Tei proposed that rural finance and industrial finance should be taken as the main focus of the region's financial reform.

"the 'village financial bar', the first of its kind, will become a 'three-in-one' financial service platform for the one-stop service of inclusive finance in rural areas, the credit agreement of rural farmers, and the window of angel investment in agriculture and farmers." The head of the Financial Reform leading Group and the Deputy Director of the standing Office of the Financial region said.

Among them, the issue of investment and financing has become the focus of attention of agricultural and agricultural enterprises. Song Fenjie, director of the financial service center of the financial district, said that the guaranteed interest and even angel investment services provided by the "village financial bar" mainly come from the financial industry development fund of the financial district, which is mainly paid by the regional government. The balance is maintained at 5 million yuan a year, of which 2 million yuan is spent on financial insurance, interest and insurance assistance, and 3 million yuan is spent on angel investment.

"as a practical platform for business angels to invest, future enterprises can invest in 'village finance bars' with a cup of coffee." Song Fen said that the "village financial bar" will determine the credit level of farmers, agricultural enterprises, and even individuals in the third-board village. "people with high credit ratings can get more loans and financing in the bar."

Help you to withdraw money and realize the convenience of people's savings.

In addition to the high-end coffee bar, the Village Financial Bar also has an editing station, which is set up in the Sanban Ying Aquatic Materials Shop, which serves as a withdrawal point for Sanban Village.

The newly set-up withdrawal fund is loved by the villagers of Sanban Village. Mr. Liang told the recorder that in the past, people could go to the flag to pick up food. Not to mention that it is very difficult to get to and from the market if you are in a rush hour or in a busy time. Nowadays, it is really convenient to take money if you can't get out of the village.

No, it's just a deposit account. In the "village financial bar", basic financial services such as payment, payment and insurance can be handled, and even electronic payment methods such as online banking and mobile phone banking are available.

From Song Fen's point of view, service management is the basic requirement of "village finance bar". "We also hope that in dealing with financial services, farmers will have the impression that they are different from the stylized financial institutions in the past, and instead enjoy a comfortable, comfortable and comfortable environment."

This kind of affection is still reflected in the specific affairs. According to the media, Chinese people who enter the village financial bar will launch a public welfare campaign of "peace and well-being". To help the elderly aged over 60 years old and over 80 years old in the village to enjoy insurance coverage for accidental injuries to the elderly listed by the government.

In addition, the "Village Finance Bar" has also set up a daily theme to warn the villagers in advance. It is worth noting that during the five-day working day, the "Village Financial Bar" will one day be used as an opportunity to carry out financial publicity and consultation activities, to go deep into the rural areas, and to promote rural financial services and their use related knowledge and skills training.

In the future, nine administrative villages in the region will be opened.

In fact, the "village finance bar" in Sanban Village is only the first starting point for Jinan to carry out the construction of rural inclusive finance.

In order to further deepen the rural financial reform, improve the financial service capacity and level of the rural areas, and support the construction of happy rural housing, according to the instructions of the municipal government and the municipal financial work bureau, the financial institutions serving as the pilot areas for rural financial reform in the city will carry out the construction of rural inclusive finance in nine administrative villages in the district.

"after the experience of Sanban Village Financial Bar is obtained, we will use about a year to fully open nine rural villages and complete the construction of inclusive finance in rural villages." Song Fen said.

At the same time, the "Rural Financial Bar" will add the sign of the agricultural credit information center in the gold-rich areas and promote the completion of the construction of credit townships and credit villages in nine administrative villages in the region. It is worth noting that the results of the agricultural credit rating system, which is at the core of the construction work, will be made public and subject to the advice and supervision of all the villagers.

With the opening of the "village financial bar", the overall thinking of financial work has become clearer and clearer. Guan said that the financial work of the entire fund has been launched with "one goal, two key points and three major grasps".

He said that "one goal" is to vigorously develop inclusive finance. One of the paradoxes of former finance is that the more wealthy people are, the easier they are to find them, and the less they are, the less they can find them. The development of inclusive finance is where financial resources flow to the most scarce places, providing financial services to those who need services most. The "two key points" are to raise the level of financial services and solve the financing difficulties of small and medium-sized enterprises. The "three grasps" refer to the construction of a regional credit system based on agricultural credit information, collective credit information, and enterprise credit information, and a series of new financial policies centered on "village financial bars" and financial supermarkets, as well as a series of new financial policies centered on the direct listing of enterprises and industrial development funds. "We hope to realize the backlash of financial finance through this series of combined punches."

What can "Yamura Finance Bar" do?

1 villagers can withdraw money and deposit money in the bar if they don't leave the village.

2 credit rating for villagers, agriculture and enterprises

The fund for the development of agricultural industries in the three regions has been promoted to realize agricultural insurance, interest and angel investment.

4. Financial institutions provide consultation service at village locations.

5 training of knowledge and skills related to rural financial services and their use

7 Chinese people aged over 60 and over 80 in the village enjoy a list of Chinese people listed by the government.

The elderly accidentally hurt the insurance company.

8 according to the financial demand, adjust the financial institutions in the bar.

9. China Mail Administration Bank and Zhuhai Agricultural Bank will provide personalized services to the "three farmers".

10 Business negotiation

Related

Jinxiang set up an industry development fund

Support the careers of farmers and college students

The Financial Service Center of the Financial Deposit region has learned that the Financial Reserve will promulgate the Law on the Management of the Financial Industry Development Fund and set up an Agricultural Development Fund with an annual surplus of 5 million yuan to support the employment of farmers and university students in rural areas and further promote modern agricultural development.

It is understood that the newly established financial district industrial development fund is mainly divided into two parts: first, the cooperative agricultural funds of "government insurance", the leverage magnification effect of government funds, and the establishment of a tax sharing mechanism with cooperative banks and insurance institutions, with the aim of improving the credit level of farmers and university students in rural areas, and to provide insurance and interest for a number of agricultural projects to obtain funds in cooperative banks. The second is to set up an angel investment fund to provide financial support to agricultural enterprises in line with the direction of agricultural development in the areas in accordance with the principles of marketization and specialization.

The fund supports agricultural projects that are based on agricultural resources and characteristic applications for local farmers, college students and rural residents in this area. The projects are mainly new demonstration projects of agriculture characteristic agriculture, ecotourism agriculture, agricultural product processing and agricultural science and technology.

It has been learned that the balance of the financial industry development fund is maintained at 5 million yuan a year, and the sources of funds are mainly paid by the regional government. At present, the Constitution has been discussed at the regular meeting of the regional government.