2. The business scope of Shaoguan Rural Commercial Bank includes: absorbing RMB public deposits; Issue RMB short-,medium-and long-term loans; Handle domestic settlement; Handle bill acceptance and discount; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds and financial bonds; Engage in interbank lending; Engaged in bank card (debit card) business; Acting for payment and insurance agency business; Provide safe deposit box service; Other businesses approved by the State Council Banking Regulatory Authority and other relevant regulatory agencies.
market positioning
1, serving agriculture, countryside and farmers
The balance of agricultural loans is 20 billion yuan, which is the largest and highest proportion among commercial banks in Guangzhou. Dozens of innovative business varieties have been launched, such as micro-credit loans for farmers, village management loans, village-level organization loans, three-old transformation loans, and "three treasures of agriculture and business" portfolio loans. Nearly 80% of its outlets are located in villages and towns in Guangzhou, and it is the first banking institution in China to issue the "Huinong Card". The number of Huinong cards issued ranks first in China, providing personalized, convenient and high-quality financial services for Guangzhou's "agriculture, rural areas and farmers". Actively carry out the theme activity of "building a happy Guangzhou with thousands of families", popularize financial knowledge, improve the service environment and improve the service level of supporting agriculture.
2. Folding service for small and medium-sized enterprises
Cooperate with the German International Project Company (IPC) to fully develop the micro-enterprise loan business. "Micro-loan" provides mortgage-free loans for micro-business owners, with a maximum amount of 6,543,800 yuan. "Small loan" provides loans of 654.38+0-654.38+0 million yuan for small enterprises (owners), and can accept single or multiple mortgage combinations. We will launch the SME cluster financing platform "Easy Loan" to build a SME credit factory and a characteristic business model. The loan balance of small and medium-sized enterprises is 80 billion yuan.