铁观音产地 产业、人才、生态、文化、组织

　近年来，泉州坚持农业农村优先发展，统筹推进产业、人才、生态、文化、组织五大振兴，推动农业更强、农村更美、农民更富，致力打造乡村振兴的“泉州样板”。

　　秉持着服务国家战略、勇于担当的大局意识，邮储银行泉州市分行全面落实新时代党的建设总要求和党的组织路线，以党的政治建设为统领，坚持“普惠金融”理念，紧紧围绕“三农”工作大局，铆足干劲全力投入到全面推进乡村振兴的工作中，以“党建+金融”助力乡村振兴为着力点，通过“银村共建、党建共建、信用共建”，不断完善农村信用体系建设，加大乡村信贷投入，加快“三农”金融业务向全产业链金融转变，推动普惠金融服务提质增效，努力将自身打造成为本土服务农村金融市场最具活力的主力骨干银行。

　　加强产销对接

　　倾力打造产业链金融

　　随着“三农”工作转入全面推进乡村振兴、加快农业农村现代化新阶段，农业全产业融合发展已成为构建现代农业产业体系的重要内容。

　　围绕农业全产业链建设，金融支持不可或缺。邮储银行泉州市分行提高政治站位，切实增强贯彻落实中央建设现代农业产业体系部署的责任感使命感，针对农村新型农业经营主体、个体农户以及农业产业链上下游客户等专属客群，立足解决“融资难”“销售难”“物流难”三难问题，助力产销一体化的现代农业发展。该行强化邮银协同，与邮政泉州市分公司依据双方优势提出惠农合作项目，开发中国邮政惠农服务平台，提供农村金融、邮政寄递、农品销售等惠农服务。截至2月末，通过惠农服务平台放款结余近8000万元，助力农产品销售超2500万元。

　　同时，该行立足区域特色产业，实行“一县一品”政策，打造邮政惠农示范基地，建立安溪云岭茶叶铁观音、永春湖洋镇裕森合作社芦柑、南安脐橙、石狮西瓜等多个基地，并制定详实销售计划，助力农副产品出村进城、走出泉州。

　　服务创新解“三难”，产品助力齐头并进。2021年8月，该行推出“乡农e贴”线上贴现产品，为乡村振兴重点产业和领域客户提供票据融资服务，支持农业产业化龙头企业完善产业链条，助力企业做大做强。瞄准产业链，畅通资金链，该行累计向乡村振兴重点产业和领域客户提供线上贴现超3亿元。

　　推进以信换贷

　　信用村建设大步向前

　　自德化县浔中村被评定为邮储银行信用村以来，该村村民足不出户便能享受到的金融服务。作为浔中村的信用户，茶油种植户老板陈先生在缺乏有效抵押物的情况下，凭借着信用户资格认证，在今年春播之际申请并获得了9.4万元的贷款，解决了春种资金燃眉之急。

　　“信用”换“真金”，金融“及时雨”为涉农企业和农户减负，让乡村振兴更有活力。作为改善农村金融服务的有效手段，农村信用体系建设事关现代农村经济的飞跃发展。邮储银行泉州市分行通过各支行党支部与镇村党组织联合共建，以“银村”“银镇”合作创建信用村、信用镇的方式，推动辖内乡村振兴与农村信用体系建设有机融合。同时，针对信用户，实行免担保等便民政策，推出线上类信用户贷款产品，让农户随时、随地、在家门口就能享受便捷的金融服务。据悉，该行2021年新创建信用村113个，截至目前已累计创建信用村445个，实现信用村贷款结余超12亿元。

　　此外，广开诚信之渠，与各级农业局、乡村振兴办、监管部门、同业金融机构等单位开展共建活动，结合“我为群众办实事”实践活动，打造别样的金融支持乡村振兴模式。该行积极对接“银税互动”“信易贷”“金服云”等信用信息平台以及协会、担保公司、保险公司等已有的数据系统，并基于税务、发票、海关、工程等大数据信息，推出小微易贷线上信用类产品，实现对农村小微企业的融资增信。

　　如今，信用变现不再难，企业融资搭上了快车道。截至2月末，该行小微易贷等线上信用类产品年新增超60亿元。

　　探索科技金融

　　让普惠春风吹遍乡村

　　晋江内坑黎山村的张先生经营着一家化妆品店，随着美容行业迎来新生机，他想要进货拓展经营，却缺乏有效抵押物，无法向银行申请贷款。在一筹莫展之时，他通过村委了解到可通过“乡村治理积分系统”提交融资申请。

　　在分支机构开展联学共建的基础上，邮储银行泉州市分行在同业中率先联合晋江市农业农村局上线该系统，实现银政系统对接、数据信息实时互通，并结合相关数据设计出普惠金融模型，极大缩短授信时间，为三农、小微企业提供更加高效的融资服务。“无需抵押和担保，凭借内坑黎山村的信用户资格，仅三天就获得了邮储银行发放的20万元信用贷款，满足了我经营周转难题。”张先生说。

　　邮储银行泉州市分行坚持党建促业务的理念，强化“同步”意识和“融入”意识，推动党建工作融入生产经营、融入转型发展、融入管理创新，驱动科技创新，拓宽普惠金融之路，加快解决乡村发展“人、钱、事”三大问题。该行健全数字化运营体系，通过“无纸化、智能化”移动展业作业模式，线上采集新型农业经营主体信息，打造邮储银行新型经营主体信息大数据平台，将金融服务送到农户的家门口。

　　此外，该行大力推广网上银行、手机银行跨行异地转账免手续费等一系列优惠活动，有效带动县域及乡镇地区电子银行服务的普及化。截至2月末，该行存量自助设备在乡镇及以下区域投放率达70.68%，手机银行客户达到111.9万户。

　　从移动支付、普惠金融，到如今的智慧金融，邮储银行泉州市分行的每一步都始终遵从它的初衷：服务“三农”、服务城乡居民、服务中小企业

In recent years, Quanzhou has adhered to the priority development of agriculture and rural areas, coordinated the promotion of five major revitalizations of industry, talents, ecology, culture and organization, promoted stronger agriculture, more beautiful rural areas, and richer farmers, and strived to create a "Quanzhou model" for rural revitalization.

Adhering to the overall awareness of serving the national strategy and being brave to take responsibilities, Quanzhou Branch of Postal Savings Bank fully implements the general requirements for party building and the party's organizational line in the new era. Focusing closely on the overall situation of the "three rural" work, it is fully committed to the work of comprehensively promoting rural revitalization, focusing on "party building + finance" to help rural revitalization, and through "bank-village co-construction, party-building co-construction, and credit co-construction" ”, continue to improve the construction of the rural credit system, increase rural credit investment, accelerate the transformation of the “three rural” financial business to the whole industry chain finance, promote the quality and efficiency of inclusive financial services, and strive to build itself into the best local service rural financial market. A dynamic main backbone bank.

Strengthen the connection between production and sales

Efforts to build industry chain finance

As the "three rural" work has entered a new stage of comprehensively promoting rural revitalization and accelerating agricultural and rural modernization, the integrated development of the entire agricultural industry has become an important part of building a modern agricultural industry system.

Around the construction of the entire agricultural industry chain, financial support is indispensable. Quanzhou Branch of the Postal Savings Bank of China has improved its political position, effectively enhanced the sense of responsibility and mission of implementing the deployment of the central government to build a modern agricultural industry system, and aimed at the exclusive customer groups such as new rural agricultural business entities, individual farmers, and upstream and downstream customers of the agricultural industry chain, based on solutions The trilemma of "difficulty in financing", "difficulty in sales" and "difficulty in logistics" contributes to the development of modern agriculture that integrates production and sales. The bank strengthened the coordination of post and bank, proposed a cooperation project to benefit farmers with Post Quanzhou Branch based on the advantages of both parties, and developed a service platform for China Post to benefit farmers, providing rural finance, postal delivery, agricultural product sales and other services that benefit farmers. As of the end of February, the balance of loans through the Huinong service platform was nearly 80 million yuan, which helped the sales of agricultural products exceed 25 million yuan.

At the same time, based on regional characteristic industries, the bank implements the policy of “one county, one product”, builds a demonstration base for postal benefits for farmers, and establishes Tieguanyin tea in Anxi Yunling, mandarin mandarin of Yongchun Huyang Town Yusen Cooperative, Nan'an navel orange, Shishi watermelon, etc. Base, and formulate a detailed sales plan to help agricultural and sideline products go out of the village to the city and out of Quanzhou.

Service innovation solves the "three difficulties", and product assistance goes hand in hand. In August 2021, the bank launched an online discount product called "E-Discount for Rural Farmers", which provides bill financing services for customers in key industries and fields of rural revitalization, supports leading agricultural industrialization enterprises to improve their industrial chains, and helps enterprises become bigger and stronger. Aiming at the industrial chain and smoothing the capital chain, the bank has provided online discounts of over 300 million yuan to customers in key industries and fields of rural revitalization.

Promoting credit-for-loan

The construction of credit villages is making great strides

Since Xunzhong Village in Dehua County was rated as a Postal Savings Bank Credit Village, the villagers have been able to enjoy financial services without leaving their homes. As a credit user of Xunzhong Village, Mr. Chen, the owner of the tea oil planter, in the absence of valid collateral, applied for and obtained a loan of 94,000 yuan during the spring sowing this year by virtue of the credit user qualification certification, which solved the urgent need for spring planting funds. .

"Credit" is exchanged for "real gold", and financial "timely rain" will reduce the burden on agriculture-related enterprises and farmers, and make rural revitalization more dynamic. As an effective means to improve rural financial services, the construction of rural credit system is related to the rapid development of modern rural economy. Quanzhou Branch of Postal Savings Bank of China, through the joint construction of party branches of each sub-branch and town and village party organizations, creates credit villages and credit towns through the cooperation of "silver villages" and "silver towns", and promotes the organic development of rural revitalization and rural credit system construction within its jurisdiction. fusion. At the same time, for credit users, it implements convenience policies such as guarantee-free, and launches online loan products for credit users, so that farmers can enjoy convenient financial services anytime, anywhere, and at their doorstep. It is reported that the bank will create 113 new credit villages in 2021. Up to now, a total of 445 credit villages have been created, and the loan balance of credit villages has exceeded 1.2 billion yuan.

In addition, open the channel of honesty, and carry out joint construction activities with agricultural bureaus at all levels, rural revitalization offices, regulatory authorities, financial institutions and other units in the industry, and combine with the practice activity of "I do practical things for the masses" to create a different kind of financial support for rural revitalization. model. The bank actively connects with credit information platforms such as "Bank-Tax Interaction", "Xinyi Loan", and "Golden Service Cloud", as well as existing data systems such as associations, guarantee companies, insurance companies, etc., and based on tax, invoice, customs, engineering and other big data information, The online credit products of Small and Micro Easy Loans were launched to enhance the financing credit of small and micro enterprises in rural areas.

Today, credit realization is no longer difficult, and corporate financing is on the fast track. As of the end of February, the bank's online credit products such as Small and Micro Easy Loans have increased by more than 6 billion yuan annually.

Explore technology finance

Let the Pratt & Whitney Spring Breeze All Over the Countryside

Mr. Zhang from Lishan Village, Neikeng, Jinjiang, runs a cosmetics store. As the beauty industry ushered in new vitality, he wanted to purchase goods to expand his business, but he lacked valid collateral and could not apply for a loan from the bank. When he was at a loss, he learned from the village committee that he could submit a financing application through the "Rural Governance Points System".

On the basis of the joint construction of branches, Quanzhou Branch of Postal Savings Bank took the lead in the industry to launch the system in cooperation with Jinjiang Agriculture and Rural Affairs Bureau, to realize the connection between the banking and government systems, real-time exchange of data and information, and to design a general system based on relevant data. The favorable financial model greatly shortens the credit granting time and provides more efficient financing services for agriculture, rural areas and small and micro enterprises. "Without the need for mortgages and guarantees, I obtained a credit loan of 200,000 yuan from the Postal Savings Bank in just three days by virtue of the credit user qualification of Lishan Village in Neikeng, which satisfies my business turnover problem," said Mr. Zhang.

Postal Savings Bank Quanzhou Branch adheres to the concept of promoting business through party building, strengthens the awareness of "synchronization" and "integration", promotes the integration of party building into production and operation, transformation and development, and management innovation, drives technological innovation, and broadens the road to inclusive finance. Accelerate the resolution of the three major problems of "people, money and affairs" in rural development. The bank has improved its digital operation system. Through the “paperless and intelligent” mobile business development operation mode, it collects information on new agricultural operators online, builds a big data platform for information on new operators of Postal Savings Bank, and delivers financial services to farmers’ homes. door.

In addition, the bank vigorously promoted a series of preferential activities such as online banking and mobile banking for inter-bank transfer fee-free, which effectively promoted the popularization of e-banking services in counties and townships. As of the end of February, the bank's stock self-service equipment deployment rate in townships and below reached 70.68%, and the number of mobile banking customers reached 1.119 million.

From mobile payment, inclusive finance, to today's smart finance, PSBC Quanzhou Branch always follows its original intention in every step: serving "agriculture, rural areas and farmers", serving urban and rural residents, and serving small and medium-sized enterprises