中国银行六安分行四项创新助力金寨县农村金融改革

The bank of China, luan four innovation power Jin Zhaixian rural financial reform

One is the innovation mechanism system. Optimize the credit process, small micro enterprise business directly submitted to provincial branch of the examination and approval, to shorten the approval chain. Expand credit authorization, shall be regarded as a county in the province will Jin Zhai subbranch of a bank branch, awarded 15 million yuan (contain) low risk within the authority for examination and approval of credit business. Open the green channel and the implementation of time limit for examination and approval system, small micro enterprise business from reporting to reply within 5 working days to complete. Implementation of differentiated credit policy to Jin Zhaixian credit scale cutting alone, decrease the credit entry. Second, the innovation credit product. Launch "agricultural" insight, "farming teng mastery", "Lin and prudent", "good agricultural loan" support agriculture helped little financial innovation products, and vigorously support the agricultural industrial production. 3 it is to assure means innovation. Introducing the way of credit guarantee for small and medium-sized enterprises credit authorization, promotion credit recycled "melting cinda" business, innovative research and development forest right impawn guarantee way, strive for the forest right pledge loan products in the first half of 2013. Fourth, innovation service mode. Relying on the villages and towns of China mobile, China telecom service network, to help farmers withdrawal services, intensify the building of fixed-line POS its franchisees, meet the broad masses of farmers query, small consumption, withdrawals, transfers and other convenience financial needs.

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