Capital support from banks for agricultural and rural development is very necessary. This is a resource that helps farmers have a stable life and sustainable economic development. Therefore, to promote credit growth in this area, Agribank Phu Tho Branch has continuously developed, expanded its scale, improved credit quality, prioritized capital for "three agricultures", effectively serving the goal of local economic development.
Agribank Phu Tho Branch operates in 7 districts and Viet Tri city with the provincial headquarters, 9 type II branches, and 17 transaction offices in communes. In order to effectively implement the credit policy serving the development of "three rural areas" in accordance with the direction of the Government and the superior bank, Agribank Phu Tho Branch has synchronously deployed solutions for safe and effective credit growth.
Based on the actual situation of the locality, grasping the demand for credit capital, the Branch requires the grassroots banking units in the system to strive to increase outstanding loans from the beginning of the year and increase steadily in each quarter. Accordingly, the units develop specific credit investment plans for each region, directing credit to priority, key and focal areas. In particular, focusing on expanding credit and providing banking services to production households and individuals in rural areas, far from the center; seriously, publicly and transparently implementing credit mechanisms and policies; promoting the improvement of lending processes and procedures in the direction of shortening the time for reviewing documents, flexibly applying loan security measures according to regulations.
Along with directing affiliated units to diversify credit products and banking services suitable for each customer group, the Branch requires units to coordinate with localities to increase dissemination and guidance for customers on skills in management, use of loans, transfer of science and technology, production organization, associated with propaganda and guidance on the use of bank products and services. Along with that, establish Steering Committees and loan groups in communes and residential areas, responsible for guiding household loans, disbursement, debt collection and sharing experiences in agricultural production. Through the system of Steering Committees and loan groups, people have convenient access to loans, especially access to preferential credit policy programs, national target programs on new rural construction quickly and promptly.
Not only fully meeting the production and business needs in rural areas, Agribank also promptly meets the demand for loans to serve the consumption and living needs of many individuals and households. In particular, promoting loans to customers with legitimate and urgent consumption purposes, with capital needs at reasonable lending interest rates according to regulations.
Along with proactively meeting capital needs and ensuring credit growth, the Branch promotes the application of information technology, digital transformation, and follows the "Customer-centric" orientation; focuses on developing modern distribution channels to serve customers' payment transaction needs, gradually adapting to the digital economy under the direction of the Government and the State Bank. In addition to focusing on improving professional qualifications, the Branch always pays attention to educating the staff on professional qualities and ethics; implementing communication regulations according to the Agribank cultural handbook.
- People of Tan Son district use ATM withdrawal service.
Comrade Le Thi Hong Nhung - Director of Agribank Phu Tho Branch discussed: To increase credit growth in the "three rural areas", the Branch focuses on taking good care of traditional customers, expanding marketing to new customers; effectively implementing the savings mobilization program to promptly meet the capital needs of the people. Up to now, the mobilized capital of the entire Branch is estimated at 14,280 billion VND, reaching 101.5% of the assigned plan; total outstanding loans reached 15,330 billion VND, reaching 100.7% of the assigned plan; the bad debt ratio is below the allowed level. Outstanding loans in the agricultural and rural areas alone reached 12,200 billion VND, accounting for 80% of the total outstanding loans. Currently, the entire branch has 321,890 deposit customers, 55,140 loan customers, 554,400 customers using e-banking services, 22,120 customers authorized to collect electricity, water, and telephone bills; has issued 290,700 ATM cards...
As a key bank in credit investment and providing banking services for the agricultural and rural areas, Agribank Phu Tho Branch has been contributing with the banking system to build a comprehensively developed agriculture, towards modernity, building a civilized new countryside and constantly improving people's lives, narrowing the income gap between urban and rural areas.
Phuong Thao
Source: https://baophutho.vn/agribank-chi-nhanh-tinh-phu-tho-tap-trung-cac-giai-phap-tang-truong-tin-dung-225237.htm
Comment (0)