The Postal Savings Bank Builds The Characteristic Model Of Fulfilling Social Responsibility And Actively Displays The "Head Goose Effect" Of Large State-Owned Banks

By Xiao Qi

Caichuan village in Ningxia 12 years ago was a well-known poverty-stricken village. Now it has become a model village of targeted poverty alleviation in China. The per capita annual income of villagers has increased from less than 2000 yuan in 2008 to 12640 yuan by the end of 2020. In this "miracle of poverty alleviation" in China, the "Caichuan model" created by postal savings bank of China has played an important role in boosting poverty alleviation.

Under the new financial poverty alleviation mode of "industry leading + capable person driving + financial assistance", the postal savings bank provides production and operation funds to support the local cattle and sheep breeding industry in Caichuan, and at the same time, it plays the role of the Party branch, Party Building Leaders and rich leaders in Caichuan village to help poor households develop their production, so as to jointly solve the problem of "lack of funds, industry, technology and collateral" of poor farmers Questions. In 2020, "Caichuan model" will be displayed on the United Nations website as a classic case of China's poverty alleviation, and become a course for the United Nations to develop poverty alleviation in developing countries.

This is a vivid epitome of the postal savings bank's commitment to its original intention and its active social responsibility. In 2020, in the face of the sudden outbreak of new crown pneumonia, the postal savings bank will actively play the "head goose effect" of large state-owned banks, coordinate the work of epidemic prevention and control, reform and development, continuously improve the level of financial services, and achieve new results in promoting the sustainable development of economy, environment and society.

As the core of modern economy, the financial industry has great social responsibility. Its economic responsibility for the society is not only to create profits and tax donations, but also to conduct business operation in a correct way, understand and deal with the issues concerned by stakeholders in a timely manner, and make full use of the special advantages and influence of financial institutions in economic and social development, so as to drive other enterprises and even the whole society The industry pays attention to and actively performs its social responsibility.

In the process of actively fulfilling its social responsibility, postal savings bank has fully demonstrated its own characteristics of responsibility performance and played the exemplary effect of large state-owned banks. Looking forward to the future, as Zhang Jinliang, chairman of the postal savings bank, said, the postal savings bank will adhere to the positioning of serving "agriculture, rural areas and farmers", urban and rural residents and small and medium-sized enterprises, make every effort to promote the "five transformation" of characteristics, comprehensiveness, lightness, digitization and intensification, strive to create a new situation of high-quality development, and show new achievements and responsibilities in the economic, environmental and social fields.

With the credit support of postal savings bank, Caichuan village has built a new residential area.

Fully support the "six stabilities" and "six guarantees" of anti epidemic services

"This fund really helps us solve the urgent problem!" said the person in charge of Chengdu huiding Wansheng Information Technology Co., Ltd.

Through the platform and data provided by the Sichuan Provincial Development and Reform Commission, the postal savings bank of China (postal savings bank) learned about the temporary shortage of funds of the company through the platform and data provided by the Sichuan Provincial Development and Reform Commission. Through the online "Xinyidai" products, it issued 400000 yuan pure credit and non mortgage loans for small enterprises.

The postal savings bank sent "timely rain" to enterprises, which was particularly important during the epidemic period. Since the outbreak of new pneumonia in 2020, the postal savings bank has focused on the financial needs in the fields related to the epidemic prevention and control, earnestly done a good job in comprehensive financial services, strengthened its support for the real economy around key areas such as "agriculture, rural areas and farmers", small and micro enterprises and major national strategies, and made every effort to serve the "six stabilities" and "six guarantees".

In 2020, the postal savings bank will issue a total of 8.944 billion yuan of special re loans to 706 enterprises listed in the list of key enterprises for epidemic prevention and control, and more than 100 billion yuan will be granted to all kinds of enterprises related to epidemic prevention and control.

At the same time, the postal savings bank adheres to the principle of handling special cases and dealing with emergencies. It improves the efficiency of approval and reduces the interest rate of loans by increasing the approval authorization and pricing authorization of branches, simplifying the credit granting process, providing special credit mechanism and promoting parallel operations.

In addition, we should establish a working mechanism of rapid action of the whole bank. Through the linkage and rapid operation of the head office, the front, middle and back office, we can ensure that the information transmission is barrier free, the policy implementation is not biased, and the credit process is not blocked, so as to realize the credit supply for epidemic prevention and control in the first time.

It is understood that the postal savings bank covers all kinds of epidemic prevention and control enterprises, establishes a list of key enterprises in the bank in addition to the list of national key enterprises for epidemic prevention and control, and formulates special preferential policies for large and medium-sized enterprises, small and micro enterprises, customers of "agriculture, rural areas and farmers" and individual industrial and commercial households, so as to provide financial support for all kinds of enterprises related to epidemic prevention and control. In addition, we should ensure that the scope of refinancing support is extended to the local list, and new policies such as "one enterprise, one bank" will be implemented as soon as possible.

The notice on further improving financial services for small and micro enterprises by focusing on "six stability" work and "six guarantees" task issued by postal savings bank supports small and micro enterprises to tide over difficulties and steady development, and does its best to stabilize employment and guarantee market entities, focusing on increasing credit support, reducing financing costs, doing a good job in helping small and micro enterprises overcome difficulties and stabilize their development. We will actively implement the policy of temporarily delaying the repayment of principal and interest for small and micro enterprises that are greatly affected by the epidemic situation. We will implement classified policies and take the initiative to connect them. On the premise of paying attention to the substantive risks of customers, we should reasonably adjust the arrangement of repayment and interest payment, extend or renew loans, and avoid blindly withdrawing loans, breaking loans, and suppressing loans. We should extend the inclusive small and micro loans.

By the end of 2020, the loan amount corresponding to deferred repayment of principal and interest for Pratt & Whitney's small and micro enterprise customers has exceeded 45 billion yuan. We will vigorously promote the online products "small and micro easy loan", small amount "quick loan" and online loan drawing function, so as to meet the financial service demand of small and micro enterprises that can not meet the needs of "enterprises". By the end of 2020, more than 12 billion yuan of special loans for epidemic prevention and control have been provided to more than 2000 small and micro enterprises.

It is worth mentioning that under the premise of fully carrying out risk assessment, the postal savings bank has implemented targeted measures to delay repayment of small and micro enterprises that are greatly affected by the epidemic. In this process, the postal savings bank continued to strengthen comprehensive risk management, carried out in-depth comprehensive risk management, strengthened risk monitoring and resolution during the epidemic period, carried out forward-looking impairment accrual, and enhanced the ability to resist risks. By the end of 2020, the non-performing loan ratio was 0.88%. All loans overdue for more than 60 days were included in the non-performing loans, and the non-performing loan ratio was less than half of the industry average level.

Promote financial targeted poverty alleviation and consolidate the achievements of poverty alleviation

At the National Conference on poverty alleviation, three people from the postal savings bank were awarded the title of "national advanced individual in poverty alleviation". They were Luo Mingyuan, the first Secretary of Shanghua village, gaoniang Town, Tianzhu County, Guizhou Province; the business director of Taijiang County sub branch; Yang Zhenghai, accountant of Pu'er branch in Yunnan Province; the first Secretary of nianzha village, xiadawu Township, Maqin County, Qinghai Province; and Guoluo Tibetan Autonomous Prefecture Bama County sub branch president Zhaxi naowu.

With their own efforts, they connected the poor people with a bridge leading to a better life. In this battle of getting rid of poverty, they added color to the postal savings bank, contributed to the strength of the postal savings bank, and showed the responsibilities and responsibilities of the postal savings bank.

By the end of 2020, the balance of financial targeted poverty alleviation loans reached 100.521 billion yuan, an increase of 18.065 billion yuan compared with the end of the previous year, driving 8.5484 million people to serve the poor. In 2020, a total of 1.206 billion yuan of loans will be invested in Shangzhou District and Luonan County of Shangluo City, Shaanxi Province, designated by China Post Group Co., Ltd.

In this process, the postal savings bank has targeted the poverty-stricken population, adhered to the development of poverty alleviation micro credit business of "less than 50000 yuan, within three years, free of guarantee and mortgage, and benchmark interest rate lending", and supported the poor households who have set up files and registered cards, those who have been released from poverty and enjoy the policy, and the marginal population with poverty risk. By the end of 2020, the balance of individual targeted poverty alleviation loans reached 56.248 billion yuan, an increase of 7.657 billion yuan over the end of the previous year.

Focusing on industries with local characteristics, the postal savings bank has increased the investment of targeted poverty alleviation loans for industries, and supported various entities to promote the joint production of poor households. By the end of 2020, the balance of industrial targeted poverty alleviation loans was 30.941 billion yuan, an increase of 6.333 billion yuan compared with the end of the previous year.

In addition, we should accurately connect the development planning of poor areas, and focus on supporting infrastructure construction and livelihood projects in poor areas. By the end of 2020, the balance of targeted poverty alleviation loans was 13.332 billion yuan, an increase of 4.576 billion yuan compared with the end of the previous year.

In view of the "three districts and three prefectures" areas, the postal savings bank has given preferential policies, and continued to strengthen the linkage between the total and sub branches and the coordination of departments to jointly promote the financial poverty alleviation work. We will focus on supporting "three districts and three states" to develop advantageous and characteristic industries, and constantly increase the investment in various loans. By the end of 2020, loans in the "three regions and three states" had increased by 51% compared with the end of the previous year, 35 percentage points higher than that of the provinces where they were located.

The last leg of a journey marks the halfway point. In the next step, the postal savings bank will, in accordance with the requirements of consolidating and expanding the achievements of poverty alleviation and effective connection with rural revitalization, firmly serve "agriculture, rural areas and farmers", strictly implement the "four don't pick", focus on "two no reduction, three strengthening", so as to help the majority of rural residents live a better life.

Practice the new development concept and serve the national strategy and economic development

Lucid waters and lush mountains are invaluable assets. Yuhang District, Hangzhou City, Zhejiang Province, was awarded by the State Forestry and grassland administration in 2018, becoming the 13th demonstration unit to implement the UN forest instrument. The bamboo flute production in Zhongtai Street accounts for more than 80% of the global total output.

The postal savings bank believes that the introduction of green finance and forestry mechanism to cope with climate change in the process of strengthening the bamboo flute industry will help to protect germplasm resources, give better play to the carbon sequestration benefits of bamboo forests, improve the livelihood of villages and inherit Chinese classical culture. Therefore, we should timely launch the "carbon sequestration loan" product, which is based on the "credit village" and provides special credit loans to farmers in Zhongtai street of Yuhang District, which is used to meet the capital needs of farmers in various links of the bamboo flute industry chain. It not only supports the development of the local bamboo flute industry, but also stimulates the enthusiasm of borrowers to make rational use of bamboo forest and give full play to the advantages of carbon fixation Economic benefits and environmental benefits.

In fact, in order to firmly fight against pollution, the postal savings bank has thoroughly implemented the concept of green development, vigorously developed green finance and climate financing, supported green and low-carbon development, and promoted the harmonious coexistence of man and nature. By the end of 2020, the balance of green loans had reached 280.936 billion yuan, an increase of 65.158 billion yuan or 30.20% over the end of the previous year, 9.9 percentage points higher than the average growth rate of the banking industry.

In recent years, the postal savings bank has thoroughly implemented the major national policies and arrangements, and has played an active role in serving the national strategy and economic and social development.

Taking serving the real economy as the starting point, the postal savings bank actively connects with the national major strategy, actively adjusts the credit policy, and integrates its own development with the adjustment of industrial structure and the development of national regional economy. In terms of regional layout, it supports the coordinated development of Beijing, Tianjin and Hebei, the development of the Yangtze River economic belt, the construction of Guangdong Hong Kong Macao Bay area, the integrated development of the Yangtze River Delta, and the construction of Hainan free trade port, so as to help build xiong'an new area with high standards and high quality. In terms of industrial layout, we should serve the real economy, boost industrial transformation and upgrading, pay attention to the credit supply in the field of "two new and one heavy", and constantly optimize financial services for strategic emerging industries.

In 2020, the postal savings bank will support the coordinated development of Beijing, Tianjin and Hebei, Guangdong, Hong Kong and Macao Bay area, Yangtze River economic belt and other major regional development strategies with more than 300 billion yuan; it will support the high-quality development of the manufacturing industry, with the loan balance of the manufacturing industry increasing by 14.43% compared with the end of the previous year; it will enhance the cross-border financial service capacity and improve the level of financial support for the "belt and road" construction.

In serving the construction of the belt and road initiative, the postal savings bank has formulated policies to coordinate the epidemic prevention and control and business promotion, improved the system construction, promoted trade facilitation, strengthened financial inter-bank cooperation, improved the level of risk prevention and control, and expanded the scope of cooperation with customs, China export credit Insurance Corporation and other institutions. In 2020, it will provide more than US $4 billion in financing support for the "belt and road" construction, and participate in 14 "one belt and one road" projects with an amount of more than 1.5 billion US dollars.