GJIANG XINHUA VILLAGE AND TOWNSHIP BANK CO.,(wang jiang xin hua cun zhen yin hang gu fen you xian gong si )

Wangjiang Xinhua Village Bank

Wangjiang Xinhua Village Bank Co., Ltd. is a new rural financial institution founded by Ma'anshan rural commercial bank.

brief introduction

Wangjiang Xinhua Village bank is the sixth village bank after Anhui Dangtu, Guangzhou Panyu, Anhui Langxi, Anhui Hexian and Jiangxi Xingguo. The newly opened Wangjiang Xinhua Village bank will adhere to the service concept of "based on the local, serving agriculture, rural areas, and supporting small and medium-sized enterprises", and focus on serving agriculture, rural areas, and small and medium-sized enterprises, which is of great significance to promoting financial reform and rural economic and social development in Wangjiang. The bank adopts a management system of first-class legal person, unified accounting, hierarchical management and authorized operation. According to the needs of operation management and business development, the bank has set up internal functional departments and branches, and each functional department and branch implements management and operation according to the authorization.

Business purpose

The business purpose of the bank is to independently carry out various commercial banking businesses in accordance with relevant national laws, regulations and administrative rules. To provide financial services for farmers, agriculture and rural economic development as well as individual businesses, residents and small and medium-sized enterprises in Wangjiang county. Based on the principles of safety, liquidity and efficiency, the bank operates independently, bears its own risks, assumes its own profits and losses, and exercises self-discipline.

Nature of Business

The bank has established and improved the internal management and control system of deposit, loan, settlement and other businesses, and established the incentive and restraint mechanism of salary related to the bank's benefits and personal performance. Approved by the banking regulatory authority and registered, the business scope of the bank is: (1) absorbing public deposits; (2) issuing short-term, medium-term and long-term loans; (3) handling domestic settlement; (4) handling bill acceptance and discount; (5) engaging in interbank lending; (6) engaging in bank card business; (7) acting as an agent for issuing, cashing and underwriting Government bonds; (8) acting as an agent for collection and payment and insurance business; (9) other business approved by the banking regulatory authority.

Characteristics of credit products

Since its establishment, Xinhua Rural Bank has effectively changed the old business philosophy of "waiting for customers to come to the door", established the awareness of loan marketing, actively carried out in-depth research on "agriculture, rural areas and farmers", innovated financial services and products around the service demand of "agriculture, rural areas and farmers", and successively launched "farmers' loans" and other major products. The loan officer provides door-to-door service, investigates and understands the situation, collects data, and provides quick handling procedures and flexible mortgage guarantee methods. Our credit products have the following quality characteristics: 1. International advanced credit technology, breaking through the traditional credit concept. 2, fast loan survey and loan approval. 3. You can get money without collateral. 4. According to the situation of enterprises, preferential interest rates will be implemented. 5. Tailor the repayment plan. Wangjiang Xinhua Village bank will base itself on Wangjiang, pursue excellence, devote itself to agriculture, rural areas and farmers, and serve small and medium-sized enterprises with advanced business philosophy. Scientific distribution, bold innovation, and actively fill the blind area of Wangjiang financial services, develop the characteristic and differentiated financial services for small and micro enterprises and self-employed households, better improve and strengthen rural financial services, and support the construction of a new socialist countryside.

Chinese PinYin : Wang Jiang Xin Hua Cun Zhen Yin Hang Gu Fen You Xian Gong Si