The operation and development of the banking industry is closely related to the regional economic environment, Ding Le wrote a document on the positive impact of the preparation for the establishment of Haizhou High-tech Zone on Haizhou Bank, and sent it to Yu Jiankang by email, he wanted to give Yu Jiankang a big gift.

If the leaders of the bank have not yet realized, then the materials given to Yu Jiankang can help him add points in front of the chairman, and in the same way, people with different identities say that the effect will be diametrically opposed, which is conducive to his next promotion, and Yu Jiankang is stuck at the critical moment of promoting vice president.

Ding Le has always adhered to the principle of doing things only within the scope of his ability, so he still has to get his own one-third of an acre of land first, and then the key is to continue to work hard to remove the word "temporary" from himself.

In April, the Audit Department of the head office officially sent personnel to audit the business involving Wang Yonggui and Wu Kewei. Although this matter has nothing to do with Ding Le, he still has to arrange the reception work and can't be lazy. The daily work of the sub-branch is like this, except for the marketing of loans and deposits, other trivial and miscellaneous matters must be taken into account. In contrast, the marketing team is relatively simple and only needs to be busy with marketing.

Zhang Linli is fully responsible for the counter management of the branch, and her business ability is still worthy of affirmation, although in the era of Wang Yonggui, she was somewhat negligent in financial reimbursement, but the head office did not pursue it, and Ding Le naturally would not be a villain.

Ding Le focuses his work on loan marketing, and every day he goes in and out with the relationship manager to conduct customer surveys.

April, the season of spring flowers, is also the season of sowing.

Ding Le remembered that five years later, in order to effectively alleviate the problem of rural financing, the regulator promoted the "Sunshine Credit" project nationwide, and Haizhou Bank also promoted it throughout the city. At that time, when Ding Le was studying, he also compared this loan model with the operation model of the rural bank in Yunus, Bangladesh, so he was very familiar with the operation of the entire "Sunshine Credit". He felt that with the help of the preparation for the establishment of the high-tech zone, the opportunity of major adjustment of the agricultural industrial structure within the jurisdiction could be used to promote this model first.

The so-called "Sunshine Credit" project mainly refers to the implementation of a public announcement system, which comprehensively discloses the loan conditions, processes, interest rates, charging standards, time limits for handling and closing loans, and supervision methods, and conducts social evaluation. Establish credit appraisal teams in accordance with administrative villages, and on the basis of investigations, establish archives for all rural households, and carry out credit appraisal work; Implement sunshine operations in all aspects of credit business, such as filing, marketing, acceptance, investigation, rating, credit granting, approval, and lending, to ensure the objectivity and accuracy of information, and to commit to a time limit for processing. For each loan application that meets the requirements, from the acceptance of the application, pre-loan investigation to the review, approval and disbursement of the loan, the completion time should be reasonably determined, the customer should be informed in a timely manner, the efficiency of the loan should be improved, the pricing standards should be disclosed, and the provisions that should be strictly observed in the loan business and the loan interest rate should be disclosed.

After the establishment of the high-tech zone, after more than 10 years of development, in 2016, only more than 10 characteristic pastoral villages were retained within the jurisdiction, and each village established characteristic industries. In 2007, the characteristic farming of Huaishu Village, the fruit planting of Huangqu Village, and the aquaculture of Nanshan Village are now quite large-scale.

On Monday, after the end of the sub-branch loan meeting, Ding Le proposed the idea of "Sunshine Credit" project to several account managers, he said: "At present, our sub-branch is under great pressure to increase new loans, and we need new growth points to improve loan growth, considering our current service groups, I have an idea ......."

Ding Le explained the "Sunshine Credit" project to several account managers, and with Ding Le's several innovations in the Taiping Branch, each time he put forward a new idea and put it into practice, the performance of the Taiping Branch will improve. This time, everyone was very comfortable with his new ideas, and everyone had the same expressions on their faces as what you say and what I do.

After obtaining internal unification, Ding Le asked Fei Yang to sort out the points he just said and draft an internal work system, and the branch did not have the right to issue documents, so he had to record the specific operation mode in this way.

Although the loan amount involved in "Sunshine Credit" is in the range of 50,000 yuan and 100,000 yuan, which belongs to the approval scope of the branch, Ding Le still wants to be consistent with the requirements of the head office in the key links.

In 2005, in order to lead the villagers to get rich, he applied for a loan of 200,000 yuan in the Taiping Branch, built a sheep house, and purchased 200 black goats, after two years of accumulation, it has now begun to take shape, and there are already seven or eight families in the village under his leadership to engage in black goat breeding.

Ten years later, the black goats in this village are very famous in Haizhou and even in the Yangtze River Delta region, and every autumn and winter, diners will eat several meals of locust tree black goats.

In the village committee, Ding Le and Wang Benzhi had a very happy conversation. Ding Le said: "Sunshine Credit is an innovation of ours, this way can solve the problem of loans for villagers, if it can be piloted in Huaishu Village, the villagers can get start-up funds through loans, and there will definitely be more villagers who follow you to engage in black goat breeding!"

After hearing this, Wang Benzhi felt that the problem that had been bothering him seemed to have a solution.

Haizhou people have the habit of eating mutton tonic in autumn and winter, but Haizhou has not yet become a large-scale goat breeding, and the sheep breed is complicated, two years ago, he went out to study and investigate when he found that the black goat breeding, the black goat meat is delicate, the taste is delicious, the smell is very small, the nutritional value is high, the cholesterol content is low, contains more than 15 kinds of essential amino acids, has the effect of nourishing yin and aphrodisiac, replenishing deficiency and strengthening the body, improving human immunity, prolonging life and beauty, especially for the elderly and frail, sick patients have obvious tonic effect, suitable for both old and young.

He thought that Haizhou people like to eat mutton, so after returning to the village, he set out to introduce black goats for breeding, considering the scale effect, he gritted his teeth and applied for a loan of 200,000 yuan from the Taiping Branch, and took the lead in demonstrating the black goat breeding, earning 100,000 yuan in the first year, the villagers are eager to get rich, but suffering from no financial support, only a few families in the village followed him to raise black goats in the past 2 years.

Ding Le the Taiping Branch's "Sunshine Credit" to Wang Benzhi was promoted, and explained in detail the specific operation methods, Wang Benzhi felt that if the Taiping Branch's "Sunshine Credit" could be promoted, then the villagers' start-up capital would be solved, according to his 2 years of breeding experience, the black goat has high reproductive performance, Growth and development fast, the year of investment, the year of effect, the villager loan 1-2 years can be paid off, breeding villagers, they can also set up a professional cooperative, then start the locust tree black goat brand, the future of the locust tree black goat breeding is a characteristic industry.

For half a day, Ding Le and Wang Benzhi had a very happy conversation, and they discussed from the perspective of the bank and the villagers, and agreed that the "Sunshine Credit" could be piloted.

After Ding Le and Wang Benzhi chatted, he was more confident in the pilot promotion of "Sunshine Credit", he asked Zhang Maosheng to contact the advertising company again, and printed the entire program content of "Sunshine Credit" into a huge poster, and also made a recording, he was ready to make the same routine as making deposits and giving prizes, first put up posters on the bulletin board in front of the village committee of Huaishu Village, and at the same time play the recording through the loudspeaker of the village committee, and then send the village party secretary, a three-pronged approach, so that the villagers can accept the "Sunshine Credit" in the shortest possible time This new thing has made Sunshine Credit deeply rooted in the hearts of the people and a household name.

Under the joint promotion of Ding Le and Wang Benzhi, the establishment of the Huaishu Village Credit Evaluation Group was quickly established, and the members of the group were 3 account managers of the Taiping Branch, 3 cadres of the Huaishu Village Committee, and 1 respected elder in the village, including: Ding Le, Zhang Maosheng, Fei Yang, Wang Benzhi, Wang Baiju, Wang Baolin, and Wang Baozhong.

Ding Le took Zhang Maosheng and Fei Yang for a week to conduct an in-depth and extensive survey of the roster provided by the village committee, to find out the basic situation of each household, and on the basis of the investigation, to establish a happy file for all rural households.

Combined with the investigation report of the account manager of the Taiping sub-branch and other materials supplemented by the members of the credit evaluation team, the credit evaluation team carried out credit evaluation work for all the people who had filed in accordance with the principles of openness, justice and fairness, and determined the credit rating of each villager.

After two days of deliberation, the credit evaluation team finally determined the list of 65 "Sunshine Credit" farmers, with a credit loan of 5 million yuan.

After the expiration of the publicity period, the villagers who need to apply for loans will follow the loan approval process, implement the guarantee conditions, sign the loan contract and guarantee contract, and finally issue the loan to the personal bank account.

When this whole process was completed, and the "Sunshine Credit" farmers in Huaishu Village got their first loans, it was already the end of April.

This month, Ding Le led Zhang Maosheng and Fei Yang to soak in the village every day on weekdays, working overtime, and finally successfully issued the first "Sunshine Credit" loan of 50,000 yuan in Taiping Branch at the end of April. For the first pilot, Ding Le participated in the whole process to ensure that every link was under his control, and the prescribed actions were not deformed.

In the process of implementing the "Sunshine Credit" in Huaishu Village, Ding Le revised and improved his previous ideas according to the actual situation. Although the amount of "Sunshine Credit" is within the approval authority of the Taiping Branch, he still pays special attention to the compliance and integrity of the farmers' credit files, and he has set aside a special file room on the second floor of the branch to preserve the "Sunshine Credit" files, and all the evaluation materials of the credit evaluation team are collected and bound into a book for retention. He also made audio and video recordings of the entire review process, and objectively and truthfully preserved the on-site situation during the review.