从“单兵作战”到“生态共赢”： 探索基于三资平台的乡村金融服务新路径

Core Insights - The article discusses the establishment of a digital platform for managing rural collective funds in Lingcheng, Dezhou, aimed at improving efficiency, transparency, and effective allocation of financial resources for rural revitalization [1][2]. Group 1: Platform Development - Lingcheng Rural Commercial Bank collaborated with the Agricultural and Rural Bureau to create a unified "Three Capital Platform" for centralized management of rural collective funds, assets, and resources [2]. - The platform features high-standard system development, with a dedicated team ensuring secure data transmission and user-friendly operations, allowing for electronic approval and traceable fund management [2]. - The implementation of a "one village, one account" policy has standardized village collective fund management, eliminating issues of multiple accounts and ensuring all income is deposited into a designated account [2]. Group 2: Efficiency Improvements - The integration of the "Three Capital Platform" with the bank's system has enabled real-time synchronization of account information and immediate fund transfers, significantly enhancing the efficiency of fund usage [3]. - The time required for daily fund approval has been reduced from 6-8 hours to under 10 minutes, while large expenditure approvals have been cut from 3-5 days to 1-2 days [3]. - The system has processed over 6,700 village fund transactions totaling 460 million yuan, with processing times improved by over 80% compared to traditional methods [3]. Group 3: Service Network Expansion - The bank has focused on promoting the platform's usage through training and support, achieving 100% application coverage across all 404 administrative villages in Lingcheng [4][5]. - A comprehensive training program has been implemented to enhance the digital skills of village financial personnel, ensuring effective platform operation [5]. - The establishment of dedicated service personnel and a 24/7 support hotline has improved user experience and operational efficiency, contributing to a significant increase in fund collection rates and reduced idle funds [5].