"The loan from Postal Savings Bank came at just the right time! The efficiency is truly outstanding!" Li Jinlin, the legal representative of Xingwang Tea Field in Liyang City, stood on the lush tea field ridge and repeatedly praised the person in charge of the Liyang Branch of Postal Savings Bank who came for a follow-up visit. What impressed Mr. Li most was not only the efficient and convenient credit services, but also the service platform of Postal Savings Bank that is deeply rooted in rural areas and closely connected with farmers - the "Postal Love Station + Inclusive Finance" rural revitalization service station.
In November 2024, the Liyang Branch of Postal Savings Bank and the Guilin Village Committee of Tianmu Lake Town officially signed a party building cooperation agreement. They aimed to transform the Village Committee into a "Post Love Station + Inclusive Finance" rural revitalization service station that integrates financial services, policy dissemination, and convenient connections for the community.
This service station, built right at the doorstep of the villagers, has completely broken down the time and space barriers of financial services, becoming a "heartwarming bridge" connecting banks with the "agriculture, rural areas, and farmers" entities. Here, villagers can consult loan policies and learn about financial products without having to travel far. Village committee officials have transformed into "financial liaison officers", accurately collecting farmers' capital needs, and then the bank staff will go to the door to handle the matter. This way, financial services become more down-to-earth and more in line with public expectations. Mr. Li's 400,000 yuan credit loan was precisely facilitated through the "Postal Love Station + Inclusive Finance" rural revitalization service station of the Guilin Village Committee. This year, during the village committee's visits, they learned that Mr. Li urgently needed funds to purchase fertilizers, so they immediately recommended the bank's special credit products to him and assisted in organizing the application materials. From submitting the application to the funds being credited, it only took 2 days to solve the urgent problem. Moreover, through the policy interpretation and product comparison at the service station, Mr. Li learned about the interest rate advantages and subsidy policies of Postal Savings Bank, and transferred his original loan from other banks to Postal Savings Bank. Over the course of a year, he could save around 30,000 yuan in interest and subsidies. "Now business is not so easy to do. The Postal Love Station helped us find such a cost-effective financial solution. It really helped the enterprise achieve cost reduction and income increase!" Mr. Li感慨fully said.
Li Jinlin is just a representative example of the Postal Savings Bank's efforts to support agriculture and rural development. In response to the characteristics of the tea industry in Liyang, where there are many individual tea farmers with urgent capital needs and frequent loan requests, the Postal Savings Bank has launched online products such as "Instant Loan" for small and medium-sized tea farmers. These products do not require cumbersome collateral or repeated trips. Tea farmers can complete the entire process of qualification verification, loan amount inquiry, and loan application through online channels. Relying on big data technology, the system can disburse loans as soon as the next day, completely solving the problems of long loan processes, cumbersome procedures, and urgent need for funds in traditional lending. This enables "timely funds" to be precisely delivered to every tea farmer.
In June this year, the Liyang Branch of Postal Savings Bank, together with the Agriculture and Rural Affairs Bureau of Tianmu Lake and the Guilin Village Committee, held three sessions of the "New Farmers" training program at the Rural Revitalization Service Station of the village committee. The customer manager of the Liyang Branch explained the "Ultra-Speed Loan" and "Industry Loan" and other special products to the farmers, guided them step by step on online operations, and elaborated on policies such as interest subsidies and repayment discounts, helping the farmers avoid financing mistakes and save financing costs. This "Post Love Station+" model has received unanimous praise from the government, the village committee, and the farmers.
From the expansion of production in large-scale tea farms to the emergency turnover of scattered tea farmers, from the "one-stop" assistance for loan applications to the "zero-distance" dissemination of financial knowledge, the Liyang Branch of Postal Savings Bank has taken the "Post Love Station + Inclusive" rural revitalization service scenario as the core point of reference, precisely delivering various financial products such as "Ultra-Speed Loan" and "Industry Loan" to the capillaries of rural revitalization. In the future, our bank will continue to deepen cooperation with the agricultural and rural sectors, further densify the service network of Post Love Stations, optimize the service functions of the stations, expand the financial service scenarios, and enable more "agriculture, rural areas and farmers" entities to enjoy "efficient, convenient and cost-effective" financial services at the nearby service stations, injecting continuous financial impetus into the rural revitalization of Liyang.
