To do a "true", the "sunshine credit" extension and farmers archives management of the organic combination of. Although cooperative financial institutions have been established in farmers' economic archives, and the actual customer loan credit personnel still need to survey, cannot achieve customers immediately apply for, immediately apply to practical application effect, economic archives. Xinghua rural cooperative bank summed up the lessons of the past, according to the "sunshine credit" for the real after one by one village, make democratic appraisal, establish farmer economy archives comprehensive, widely, true, electronic. A simple paper files parallel for paper, electronic, and input of the credit system, as the information fast retrieval, dynamic update, query and comparison and review provides convenience, efficiency and effect in practical application are greatly improved. The two is variable lending households file for wide coverage of filing, the filing range as possible to cover all farmers, provides first-hand basis for future credit adjustment object. The three is variable information scattered collection for a more comprehensive collection, information acquisition relates to the personal information, family information, business address, business projects, business, banking information, movable, immovable property, liabilities, income, expenditure and other projects with Cheng Duming, information collection is improved obviously. The four is variable focus information collecting for the comprehensive investigation and collection, accurately grasp the farmers information through field visits, periphery investigation, democratic appraisal way, effectively ensure the authenticity and accuracy of information collection, provides a more accurate basis for the sunshine review. As of the end of 10, the bank has established a comprehensive collection of information more comprehensive electronic archives 35099 households, which accounted for about 15% of all households.

Closely linked to a "suitable", the "sunshine credit" promotion and business development of the organic combination. With the industrialization of rural areas and farmers' employment status diversity, farmer demand diversified trend is increasingly obvious, how to follow up the innovation of credit products, to better meet the farmer demand becomes more and more urgent. Therefore, the bank loan demand in a broad understanding of "promote sunshine credit", the innovation of different customer groups launched four new credit varieties: one is the selection of the administrative villages in the office of college students "village" for entrepreneurship within 100000 yuan, and the purchase of marriage within 50000 yuan personal consumption loans, at the end of 10, village official loans amounted to 2500000 yuan; two is to within 40 years of age the youth entrepreneurship required liquidity, to provide 100000 yuan "youth business card" loans, at the end of 10, youth entrepreneurship loans amounted to 3800000 yuan; three is within the jurisdiction of the national civil service, to provide 500000 yuan of consumer loans; four is to provide 100000 yuan "Huinong loan" to engage in farming and aquaculture farmers, 10 at the end of agricultural loans amounting to 715000000 yuan. A variety of credit products after the launch, the actual needs of farmers loans varieties and customer more collocation, make loans to the choice of credit products, effectively solves the problem of asymmetric credit supply and demand.

A "Hui", "sunshine credit" promotion and the loan interest rate pricing combination. Combined with the "sunshine credit" running model, better customer master loan interest rate pricing and "sunshine credit" in the process of popularization situation, this is a convenient place to implement "sunshine credit". In the promotion process, the bank in addition to propaganda "easy loan", "a card" payment convenience and benefits, but also pay attention to the difference between the loan object, guarantee way, industry conditions and different degrees of risk, and further increased the market-oriented reform of interest rate loans to farmers. One is the difference between the loan object, adopt different interest rate policy, farmers, farmers, civil servants, college students "village official" loans under the same conditions the interest rate to float downward 10-20 percentage points; the two is the difference between the guaranteed loans, loan, mortgage, guarantee deposit pledged not to determine the benchmark interest rate broke surface three is the difference between the standard; different industries to determine the different interest rates, reflected on the industrialization of agriculture, agricultural science and technology, to encourage the development of emerging industries involving agriculture support; four is the difference between the different risk degree in a certain floating determine broke surface interval, determine the different interest rate pricing standard of the risk level of different customers, promote the optimization and adjustment of structure of the customer.

Around a "Xiao", "sunshine credit" promotion and marketing innovation vector combination. How to make "sunshine credit" to facilitate the policy to make known to every family, which is to promote "sunshine credit" to speed up the popularization and farmers loan increase marketing key. Therefore, the bank has carried on the positive exploration and innovation in search of agricultural marketing carrier: one is combined with the Xinghua municipal Party Committee Organization Department, municipal corporations start implementing the "lead - rich through train" and "youth entrepreneurship loans through train", through a large ceremony and will promote, in three-dimensional propaganda, with the aid of administrative and social external force, promoting the expansion of the bank loan business impact, and achieved significant results. The two is to employ the 137 college students "village official" and 35 Township Committee Secretary as farmers loan "introducing the information officer", give full play to their link with farmers, farmers in the advantage of service, and strive to build a "lending channels, funding implementation, security services" credit support service matching mechanism, in order to make all the in line with the loan conditions of farmers to get credit support has opened up a new channel. Three is through the printed publicity color books, send letter leaflets and multi media advertising, publicity business rural cooperative banks matching varieties and preferential trade policy, effectively expanding the bank credit business awareness and attractive.

Highlighting a "will", the "sunshine credit" promotion and services to enhance the level of the organic combination. Combined with the "sunshine credit" promotion, the promotion of credit service level to take the following six measures: one is on the branch were issued covering village, archiving, credit and issuing of promotion task, the branch president responsibility system, implement the hook middle stem Department to guide the supervision, and the branch and hook middle-level cadres to conduct strict examination ", effectively ensure the progress and quality of sunshine credit" promotion. The two is for all kinds of credit business types, respectively formulate loan management approach, clear the loan object, amount, term, interest rate conditions, and the handling process, to allow customers to apply for loans, stick out a mile. Three is the full implementation of "sunshine credit eight open system", the type of loan, object, conditions, amount, term, interest rate, procedure and evaluation results to the public, to let farmers know what "can loan, loan, loan amount, loan to". Four is to implement "sunshine credit" mode of client manager "family responsibility" system, information collection, centralized review and collective will do the whole process of the client manager to actively participate in, loans to perform the duty of managing loans given exemption for, effectively improve the initiative and enthusiasm of the customer manager involved in the "sunshine credit" to promote the work of the. Five is the development and application of the credit system. After an initial investigation, demonstration and the brothers from the bank credit system, the approval in the Provincial Association of credit system on the development of the credit system, the realization of online examination and approval, greatly improving the efficiency of loan. Six are open "credit quality service ten commitments" and the head office, branch credit service hotline and supervision report telephone, hire good supervisors of supervision, to effectively change the style of work of credit personnel, clean running, running, running sun civilization, high-quality running service consciousness obvious enhancement, realizes the peasant loan "door don't bother, running is no longer difficult, complex procedures no longer", the bank has to do with the letter of credit farmers running time is not more than 20 minutes.