Zhejiang Rural Commercial Bank Harvest Station

Guided reading

“Now, not only can I save money, withdraw money, and transfer money, but I don’t have to leave the village to pay utility bills. Even taking blood pressure and weight can be done here. With the 'Harvest Station', our life has become more convenient!" Villagers said with a smile at the Harvest Station in Nanzhengding Village, Fushan Township, Huangyan District.

"Fresh brown sugar will be available this year. With the help of Zhejiang Rural Credit Harvest Station, our brown sugar can be sold further, allowing more city people to taste the taste of hometown." Taizhou City Lin Weijun, head of Gulin Brown Sugar Cooperative in Chengjiang Street, Huangyan District, said.

In order to allow more people to enjoy more convenient comprehensive financial services, since 2015, Zhejiang Rural Credit Cooperatives have taken the lead in launching financial services at more than 20,000 convenient financial service points in the province. The five-in-one "Harvest Station" service model of finance, e-commerce, logistics, people's livelihood, and government services has built an offline intelligent service channel and an online comprehensive service ecosystem. Together with nearly 4,200 business outlets across the province, *** has formed a service network covering every town and town in the province, as well as the vast majority of administrative villages and urban communities, becoming an important player in deepening inclusive finance, assisting rural revitalization, and deeply integrating into social governance. An important carrier to open up the “last mile” of financial services. As of the end of 2020, Zhejiang Rural Credit Cooperatives have built 10,435 Fengmail stations with 12,392 machines. In 2020, 42.2708 million financial business transactions of various types were completed, with a transaction amount of 76.486 million yuan, and the cumulative number of customers served reached 14.2798 million. Non-financial services (including purchasing, consignment, express delivery, express delivery, social services, government services and other services).

Practice all-round inclusive finance

Enjoy “one-stop” service without leaving the village

Go to the Zhejiang Rural Credit Harvest Station for self-service deposits and withdrawals Cash machines, harvesting Internet experience machines, government service machines, etc. All. Harvest Station has changed the closed counters of previous bank branches and set up basic functional areas such as financial service area, convenient service area, agricultural product display area, etc. to provide residents with an open service experience and provide "open all year round, open at noon, delayed in the morning and evening" and other warm Serve with heart.

"A loan of 500,000 yuan has arrived, and we have used the funds to expand the watermelon planting area. After successfully overcoming this difficulty, we can earn hundreds of thousands more yuan next year!" Huangyan Rural Commercial Bank of Chengjiang Street went out to Guannong to harvest At the station, Wang Xianquan, a villager in Xinzhouqiao Village, was very excited after receiving a loan of 500,000 yuan to plant melons. "I'm short of money, I have no collateral, I can't find anyone to guarantee it, and I went to the bank to get a loan but turned a deaf ear." With the help of the Huangyan Guannong Association, Wang Xianquan, with the mentality of giving it a try, asked the Huangyan Rural Commercial Bank Harvest Station at his doorstep for help. . To his surprise, the credit issue was resolved quickly.

The picture shows the staff of Huangyan Rural Commercial Bank going out to Guannong Harvest Station to learn about Guannong’s credit capital needs.

It is reported that in order to make inclusive financial services more efficient and targeted, Huangyan Rural Commercial Bank has established a melon farmer management department at Guannong Harvest Station based on the characteristics of the local industry, and has cooperated with the District Xinlian* ** also established a melon farmer service group to provide professional financial services to melon farmers by conducting irregular surveys on melon farmer service mechanisms, organizing melon farmer visits, experience exchanges, seminars and training, etc. At the same time, the Bank actively cooperated with the Poverty Alleviation Committee and the Finance Bureau to promote farmers' entrepreneurial poverty alleviation loans, and customized "Farming Entrepreneurship Loans", "Xiangqingtong", "Yourongtong", "Miju Loan", "Personal Loan Renewal", etc. for farmers. Innovative products comprehensively support the rural revitalization strategy.

Zhejiang Rural Credit Cooperatives have always been committed to supporting farmers and small businesses, and have located most of their collection stations in remote rural areas, effectively filling the gap in rural financial services and allowing rural people to go out. Enjoy "one-stop" convenient life services when doing business

In recent years, Zhejiang Rural Credit Co., Ltd. has continued to expand the service content of Fengshou Post. In addition to covering a series of basic financial services such as small deposits and withdrawals, loan acceptance, transfers and remittances, it also effectively integrates social resources such as finance, e-commerce, logistics, and rural areas. Provides more than 100 government services such as payment of water and electricity bills, two-charge contract signing, administrative approval, e-commerce services, logistics services, and people's livelihood services. It also innovatively launched the province's first agricultural cooperative production, supply and marketing credit "trinity", the province's first financial convenience store integrating finance, physical supermarkets, and convenience services, as well as the "5060" club, police station, and "Demei Harvest Station" , "Supply and Marketing E Family Harvest Station", Chenwangdao Red Harvest Station, Xiaoyi Dongdong Harvest Station, Smart Library Harvest Station, International Harvest Station and a series of special stations. Let people enjoy the "most considerate" and "close at hand" inclusive financial services at their doorsteps. For example, Kecheng Rural Commercial Bank integrated Harvest Station and Rural Convenience Service Center into a "government-bank cooperation" institution to achieve "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, etc. has been officially accepted. Each "Government-Bank Cooperation" agency handles an average of more than 400 items per month, and the mobile office has reduced villagers' trips back and forth by more than 50,000 times.

“The harvesting station is very close to us, and we can enjoy various 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 Jingquan Village, Lanxi City, said that he has been I have to go to the post office several times. In addition to paying pension and utility bills, he and his friends will also participate in Red Cross rescue and firefighting knowledge training.

In Lanxi City, many rural villages have high mountains and long roads, and many villagers need to drive for 1-2 hours to get to market towns to receive government subsidies. Zhang Zaiyi, director of the "Harvest Station" in Dudu Village, Nvbu Street, Lanxi City, said, "In the past, when ordinary people handled a set of medical insurance services (enrollment, payment, deduction, and inquiry), they had to go to the service hall at least two or three times. Now, villagers You can handle the entire set of services in one stop at the Fengshou Station at your doorstep, no longer having to queue in the service hall.

" It is reported that Lanxi Rural Commercial Bank's "Fengshou Station" has handled various types of services in the past year. There were 695,000 transactions and 390,500 people served. "I remember that at that time, Fengshou Station could only provide simple deposit and withdrawal services. Later, people's livelihood services were added. At first, I didn't understand why these people's livelihood services were needed. As more and more villagers came to handle the business, more and more villagers came to handle the business. I solved more and more problems for them, and my sense of pride and value suddenly increased," Zhang Zaiyi said cheerfully. Seeing the people happy because of his service, he became more energetic and hoped for the future. There are more livelihood services that can be handled at Fengshou Station. In addition, this year, the bank's Harvest Station also integrates recruitment information from people's livelihood enterprises. Currently, 75 companies in Lanxi City have posted 590 positions at the station, taking the lead in the province to realize recruitment information reaching villages.

↑The picture shows Zhang Zaiyi, the director of the Harvest Station of Lanxi Rural Commercial Bank, handling the "two charges" (medical insurance and social security) payment business for the villagers of Shangxinwu Village.

In Changxing, citizen Jia Xiaomin walked into the Changxing Rural Commercial Bank Fengshou Station flagship store and exchanged more than 200 carbon points saved by her participation in garbage sorting and public transportation for goods. "I didn't expect that the points accumulated in the green finance business can also be spent as money. The exchange service of Fengshou Station is so considerate!" Jia Xiaomin said. This is due to the official launch of Changxing County’s first “financial” green carbon points exchange point at the flagship store of Changxing Rural Commercial Bank’s Harvest Station. In addition, each citizen can exchange green carbon points at the Fengshou Station flagship store for high-quality agricultural products from Changxing’s counterpart poverty alleviation in Muli, Sichuan and the Provincial Banking and Insurance Regulatory Bureau’s counterpart poverty alleviation in Chayouhou Banner, Inner Mongolia, forming a “green finance” long-term poverty alleviation mechanism.

In Ninghai, Wu Guiying, a villager in Nanzhuang Village, Yuexi Township, came to the village's "Fenggushi Station" and swiped her mobile phone to easily get the items her daughter bought for her online. "It used to take nearly 20 minutes to ride an electric bike to the express delivery agency in the countryside to pick up express delivery. Now you can pick it up at your doorstep, and you can also make deposits, transfers, and pay phone bills. It's really convenient." This is due to the Ninghai agricultural business within its jurisdiction. The bank teamed up with the Ninghai County Transportation Bureau to build an innovative practice demonstration site for the "Fengtai Collection Station". The bank collaborated with Cainiao Station to take the lead in carrying out an intelligent distribution project for urban and rural bus express delivery to the countryside in the province. Currently, eight express delivery companies, including the Postal Service, SF Express, and Tongda Department, have joined the "Fengjiu Station".

Full service for rural revitalization

Consignment sales of agricultural products help farmers increase their income and become rich

Zhejiang Rural Credit Union fully integrates the construction of harvest stations with local regional characteristics and characteristic industries according to local conditions. Continuously enrich the service functions of Harvest Station, effectively integrate online and offline resources, help local specialty agricultural products open financial service channels that integrate publicity, sales, logistics, and fund settlement, improve the quality and efficiency of local specialty industries, and serve rural revitalization The strategy injects new vitality into efforts to increase agricultural efficiency and farmers’ income.

The picture shows the staff of Kaihua Rural Commercial Bank introducing farm honey, carrot crisps and other local specialties to people returning home during the Spring Festival at the Harvest Station of South Bus Station within its jurisdiction.

In Hangzhou, Chun'an Rural Commercial Bank within its jurisdiction has established a harvest station in Hangzhou's Jiangdong Hangqian Poverty Alleviation Development Zone, a Hangzhou financial convenience service point, and built a Chun'an agricultural and sideline products exhibition and sales center. The bank and the Qiandao Lake Chamber of Commerce jointly created the "Chun'an Enclave Model" for ecological product value conversion, using sales and logistics channels to promote Chun'an green organic products, high-quality agricultural products, and folk cultural products. At the same time, the bank promptly connected with 23 towns and villages in Chun'an County to carry out special exhibition and sales activities, delivering Chun'an's "local" goods to thousands of households in Hangzhou, helping Chun'an County reduce revenue and increase income. In the four months since its establishment, it has achieved revenue of more than 400,000 yuan, sold more than 3,000 products, and received more than 100 inspections from provinces, cities and counties.

Chief Editor/Liu Xiaocui New Media Director/Li Bo Related questions and answers: If Zhejiang Rural Credit Harvest Internet Mobile Banking is no longer in use, can I just delete it?

If you don’t use the bank’s mobile banking, just delete it. You can also go to the bank where you opened your account to cancel these banking services.