I. What are the prospects for Yancheng's seaward development?
As a coastal city in the east of China, Yancheng is the center of the Yangtze River Delta integration and the Huaihe River ecological and economic belt to the sea portal, with Jiangsu's longest coastline, the largest coastal mudflats, the widest area of the sea and the broadest development of the hinterland. The Yellow Sea Wetland has become the first and only coastal wetland World Natural Heritage in China, and is known as the capital of wetland and World Heritage Resort, while the moose, red-crowned crane, and spoonbill sandpiper are world-famous as the "three treasures of wetland auspiciousness". Coastal is Jiangsu "14th Five-Year" development strategy focus, but also Yancheng future development of the greatest potential and space.
"Yancheng built the Yangtze River Delta region's first 'ten million kilowatts of new energy power generation city', new energy power supply ratio of 50%, become a green energy transition 'model city'. " Cai Anhui, a member of the party group and chief accountant of the National Energy Group, said that the 500,000 kilowatts of offshore wind power constructed in Yancheng in a joint venture between Guohua Investment Company, a subsidiary of the National Energy Group, and Electricité de France is China's first Sino-foreign joint venture offshore wind power project. After all of them are connected to the grid, they will be able to provide 1.4 billion degrees of clean electricity annually, which can meet the annual electricity demand of two million residents.
SK New Energy (Jiangsu) Co., Ltd. is the largest power battery investment project in the global layout of the South Korean SK Group. In January this year, the company officially realized mass production, April began to ship bulk, the company's development officially into the "fast lane". "SK will take Yancheng power battery production base as the center, expand investment, build battery industry cluster, so as to contribute to the development of Yancheng as a model city of new energy economy with new energy power battery industry as the core." Kim Joon, general president of SKI Korea, said.
Green transformation "wind power" unlimited
Yancheng sea endowed with resources into a powerful driving force to promote economic and social development, and strive to explore a embrace the sea, towards the blue coastal development of a new path to create a high quality, strong vitality of the blue economic growth pole. "Yancheng vigorously develops low-carbon industries, improves the efficiency of resource utilization, and demonstrates a new role in the realization of the 'dual-carbon' goal." Participating guests have praised Yancheng's superior wind resource conditions and complete energy industry support.
Electricité de France Group Vice President Cade Fu said that the construction of 500,000 kilowatts of offshore wind power project is very smooth, of which 300,000 kilowatts of the project has been fully connected to the grid at the end of 2019, and the other 200,000 kilowatts of the project will be connected to the grid and generate electricity by the end of this year. Yancheng has abundant photovoltaic and wind power resources and hopes to further expand its investment in Yancheng with its partner China National Energy Group. "It is a great honor to participate in China's '3060' goal!"
Goldwind has built a large-scale offshore wind power base in Yancheng with the most complete business functions of the group, integrating manufacturing, R&D experiments, offshore international training, offshore service and international export, and has cumulatively produced more than 14.15 million kilowatts of units over the past years, of which 4.81 million kilowatts have been exported to 29 countries on the world's six continents, and has driven 24 wind power industry chain enterprises to settle in Yancheng. Mr. Wu Gang, Chairman of Goldwind, said that Goldwind will take advantage of its mature "carbon neutral" solutions to promote Yancheng to become China's largest wind power agglomeration area, scientific research highland, innovation center and world-class offshore wind power training center, and to build a new energy industry base and innovative development demonstration city with global popularity and industry influence at an early date. The city will be a model city for innovative development.
Open Cooperation*** Enjoying the Future
On the morning of May 18th, the whole vehicle shipment ceremony of HiPhiX was held in the factory of Chinese Yuntong Gaohe. With the sound of the dispatching gong, a Gaohe HiPhiX was transported to the Gaohe delivery centers in Beijing, Shanghai and Guangzhou? "It is expected that by the end of May, the number of Gaohe experience stores, delivery centers, service centers and service outlets will increase to 85, and will reach 120 within the year." Ding Lei, chairman of the board of directors of Chinese Yuntong Gaohe Automobile, introduced that Gaohe Automobile cooperates y with the State Grid, China Southern Power Grid, and Telegraph in the national public **** charging pile project, which covers more than 150,000 charging piles in more than 300 cities and the main highway network.
The "2021 Jiangsu New Energy Investment Forum" held in the afternoon of May 18 is a highlight of this year's series of activities. The forum aims to build a global platform for exchange and cooperation in the field of new energy,*** with the discussion of the development trend and future opportunities of the new energy industry, share technological innovations and excellent practices,*** with the creation of a better future for the green development of the new energy industry. "We are willing to build a comprehensive energy demonstration base in Binhai Harbor with an open mind, cooperative pattern and innovative spirit, ****together with Jiangsu Province, Yancheng City and all sectors of the society." Xia Qinglong, executive vice president of CNOOC Limited, party secretary and chairman of the board of directors of Haiyang Oil International, who attended the event, said.
▲In the Yellow Sea National Forest Park in the "agreed Yancheng explore the world heritage" theme activities.
As a highlight of this year's "5-18" series of activities, the "Yancheng World Heritage" theme activities held in Dongtai Huanghai National Forest Park on the morning of May 19, released the Yancheng World Heritage exploration, cool water and ecological recreation. Three major theme lines, at the same time for the 20 Yancheng City, the first batch of "study trip base" award.
"5-18" series of activities, one of the salient features - the city and county linkage. In addition to the city activities, the counties (cities, districts), Yancheng Economic and Technological Development Zone, Yannan High-tech Zone, etc. also around the industrial positioning, development characteristics, organized the venue supporting the exchange of activities, to expand the influence of the whole activity and effectiveness. Among them, Yancheng Economic and Technological Development Zone held a new energy equipment and emerging industries investment environment promotion meeting, *** signing 18 industrial chain projects; Dafeng District held a "face to the sea - flowers bloom Dafeng" investment environment briefing, focusing on the signing of 20 projects; Yannan High-tech Zone, Zunshen technology flexible display module project started construction, with a total investment of 5 billion yuan? 5 billion yuan?
To the sea development, empowering the future. The successful holding of China Yancheng Investment Environment Seminar and Danding Crane International Wetland Ecological Tourism Festival highlights Yancheng's determination to develop seaward and promote green transformation, and Yancheng's confidence in building the coast into a green industrial agglomeration belt, a town belt with coastal characteristics, and a beautiful ecological scenery belt.
Two, the government lets poor households borrow 100,000, the money goes directly to the government, which promises to give 4,000 a year...
1, first of all, you need to have a local poverty certificate.
2. Take the certificate to your local government for counseling.
3, usually at the local credit union (now renamed Farmers and Merchants Bank.)
Three, Dafeng Agricultural and Commercial Bank: technology-enabled micro-credit full-process service chain
Editor's note: With the continuous development of China's new rural construction and the deepening of the reform of rural finance, the rural commercial banks, by virtue of the institutional and geographic advantages, have a great deal of room for development in the field of rural finance. As the main body of the rural financial market, how can rural commercial banks expand their business, control risks, and give full play to their advantages to make greater contributions to social and economic development? The People's Daily focuses on Dafeng Rural Commercial Bank, interprets its development model, and digs into the value of the era of regional rural commercial banks.
Currently, the development of financial technology has ushered in an important window period, how can agricultural and commercial banks leverage science and technology to realize the curved road? Dafeng Agricultural and Commercial Bank soberly recognizes that technology is a must for small and medium-sized banks to break into the inclusive small and micro financial services, and must make full use of data intelligence, mobile Internet and other technologies to reshape the whole process of small and micro-credit value service chain in the full range of areas such as risk control, products, operations, customer acquisition and other areas to achieve the commercial sustainability of small and micro-finance.
In 2015, Dafeng Agricultural and Commercial Bank of China launched its credit product "Sunshine Credit" in the form of "Iron Foot Board" to go deep into the countryside to grant credit to the whole village. How to conveniently utilize and maintain the small and micro customer resources accumulated by huge manpower? The company has made an effective exploration of this.
Pushing down the "departmental wall" to create a "smart service" new system
In the era of the digital economy, how to create a high-tech and close to the people of the financial environment, Dafeng Agricultural and Commercial Bank of China has made a lot of hard work. The bank quickly seized the opportunity to fully support the bank's digital transformation. Since the beginning of 2019, the bank has invested **** about 170 million yuan in technology hardware and software.
In the work of planning the overall structure of the department, in order to highlight the important role of technological empowerment in the transformation of the banking industry, Dafeng Agricultural and Commercial Bank set up a technology and information department and divided it into a software development center, an operation and maintenance management center and a technology management center according to the functional structure to build a technological barrier in the back end. At the same time, the bank also set up a product research and development department in the front-end retail business department to create a research and development team that understands both technology and products. "In layman's terms, the Product R&D Department 'draws the drawings' according to the requirements, and the Technology and Information Department is responsible for 'building the house'." Bian Yubin, deputy general manager of the Science and Technology Information Department, made a graphic analogy.
"What we want to do is to build a bridge between the front-end marketers and the back-end technology department through agile transformation. Putting technology into practice in conjunction with customer and business needs. For example, a loan product, the front-end account manager feedback to us, we will adjust and submit to the technology department at the right time." Liu Laishan, general manager of the product research and development department, introduced that by setting up a product research and development department in the front end and exporting technology talents to the front end, we can avoid the situation that the back end does not understand business and the front end does not understand technology, so as to make the products more accurate and attractive.
In addition to safeguarding the operation of science and technology forces from personnel and funding, Dafeng Agricultural and Commercial Bank also pays special attention to innovation as a core element. The bank's customers and process nodes are digitized with labels, and the product development department customizes credit products in accordance with the actual situation and needs of customers.
Dafeng Agricultural and Commercial Bank relies on government data, bank data and Internet data to obtain credit information, collect and determine customer profiles, and analyze the big data backend to determine credit limits. This maturing process now meets the full coverage of less than 300,000 yuan, realizing more than 90% of personal loans online self-service processing.
The "transaction system" is the most important part of the construction of the financial technology system, and the construction of the "management system" is indispensable to ensure the efficient operation of the transaction system and to improve the efficiency and standardization of business management. As early as 2012, the bank started to develop the "process banking" system, which integrates the management systems of all internal departments online, so as to achieve data **** enjoyment, standardized management, and simple processes, thus improving the efficiency of the bank's internal approval process.
The process of approving loans is placed on the network "highway", and customers are no longer running around like before. For customers with imperfect or abnormal data, the "process banking" system can automatically analyze and generate a list, which improves the efficiency of the account manager.
Crossing the "Iron Counter" to establish "easy to lend and dare to lend" new ideas
With the joint-stock banks to give credit amount needs to refer to the customer's salary, social security, provident fund is different, most of the customers of the Agricultural Bank of China are concentrated in the countryside, the amount of credit can not be Considered in accordance with the traditional model. Dafeng Agricultural and Commercial Bank analyzes the portrait of credit customers by collecting data on the number of acres of fields and farm machinery of farmers in each village and adding it to the bank's credit system as a new parameter, making a data model to give credit amounts that are consistent with the conditions.
Beginning in 2018, Dafeng Farmers and Merchants Bank, relying on technological support, turned "Sunshine Credit" into "Jinfeng e-Loan," which allows farmers to easily take out loans online, taking as little as three minutes from application to the arrival of funds.
Currently, the financial network services, agricultural and commercial banks and some large banks compared to a certain gap, such as mobile banking, online banking, large banks because of the development of early, high investment, has seized a certain amount of agricultural and commercial customer source. For agribusiness banks, how to make up for the short board of online banking business, urgently need to be resolved.
The experience of the former deep rural "whole village credit", Dafeng Agricultural and Commercial Bank realized that how to make the people convenient "loan" and dare to "loan", must rely on the online, the "credit", the "credit", the "credit", the "credit", the "credit", the "credit", the "credit" and the "credit". The company's website has been updated with the latest information about the company's products and services.
Boss Zhang opened a store in Dafeng, due to the impact of the epidemic, business turnover difficulties. He remembered that his store had joined the "Dafeng Farmers and Merchants Bank e-community" and applied directly through his cell phone. It took only three minutes to measure his loan amount of 150,000 yuan, and then followed the system prompts to step by step operation, the much-needed 100,000 yuan of funds to his social security card.
Borrowing a loan without going to the counter and without having to prepare too many materials has increasingly become the **** knowledge of most customers, which is also one of the practical measures of Dafeng Farmers and Merchants Bank to improve the financial services by focusing on customers.
In order to make it easy for the people to "loan", Dafeng Agricultural and Commercial Bank of China leverages big data technology to create a new service model of "data credit evaluation, bank credit, customer integrity", and the pillar credit product "Sunshine Credit" to evolve into a new service model. Dafeng Farmers and Merchants Bank has evolved its pillar credit product "Sunshine Credit" into "Jinfeng E-Loan", and has successively launched online products such as "Jinfeng Easy Loan" and "Jinfeng E-Loan", realizing online application, review, approval and disbursement, The bank has also launched online products such as "Jinfeng Easy Loan" and "Jinfeng E Loan", realizing online application, review, approval and lending. At present, the bank has nearly 50,000 online customers and a loan balance of 4.862 billion yuan. The bank's online business has nearly 50,000 customers and a loan balance of 4.862 billion yuan, of which 1.8 billion yuan is for the "Jinfeng Easy Loan".
Credit and risk are twins, how to minimize credit risk? In order to let the people dare to "loan", Dafeng Agricultural and Commercial Bank of China in the development of network credit at the same time, more firmly adhere to the bottom line of risk, through the technical empowerment to enhance the ability of wind control and case prevention. "Through technological means, the system realizes real-time monitoring of internal data, we can pre-judge the changes in the customer's portrait, to avoid risk." Sheng Dongmei, head of the risk control department, said.
Constructing "**** the same body" to fulfill the new responsibility of "solving problems"
In recent years, Dafeng Agricultural and Commercial Bank adheres to the service concept of "customer-oriented", focusing on the needs of urban and rural customers, relying on the social security system, the company's social security system, and the service concept of "customer-oriented". The company's social security card carrier function, relying on the needs of urban and rural customers, is committed to creating a set of "financial social security life" as one of the inclusive financial services, really do a good job of benefiting the people, to the people of the real thing, and has been widely praised by all sectors of the community.
It is a deep understanding of the financial networking services of agricultural and commercial banks, Dafeng Agricultural and Commercial Bank of China to facilitate the daily life of urban and rural customers for the important purpose of the masses of customers of the "flow" into the urban and rural economy of the "sea". Focusing on local people's clothing, food, housing and transportation, Dafeng Agricultural and Commercial Bank vigorously develops scenario-based finance, and creates a financial service ecosystem with regional characteristics by building an Internet financial platform, which enhances the bank's ability to acquire customers while providing more convenience for Dafeng residents and merchants.
Entity merchants need to open up marketing channels when they encounter difficulties in operating due to market impact. Dafeng Agricultural and Commercial Bank has established marketing channels for fast-moving goods by developing WeChat small programs and APPs to match goods with customers, so that customers can get quality goods at more convenient prices.
In Dafeng District, there is a "financial key" to help residents open a new experience in clothing, food, housing and transportation. This is a social security card issued by the bank's agent in the Dafeng area, and its service scenarios cover a wide range of fields such as healthcare, education, tourism, transportation and campus. At present, the bank has issued 726,000 social security cards, realizing full coverage of urban and rural residents.
With a channel that is closely related to urban and rural customers, Dafeng Agricultural and Commercial Bank actively practiced social responsibility, docked with the Health Commission, the Medical Insurance Bureau and other units, increased capital investment, and in-depth cooperation with hospitals at all levels in Dafeng. It is reported that Dafeng Agricultural and Commercial Bank invested more than 10 million yuan to deploy code-sweeping equipment in 140 health insurance designated units. "For agribusiness banks, it is not only necessary to provide financial services for customers, but also to utilize resources to solve problems for customers." Dafeng Agricultural and Commercial Bank network channel department general manager Zong Mu said.