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银农直联模式
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创新模式助力农村资金管理提质增效——北京农商银行"银农直联"模式入选农业农村部"2024年度金融支农十大典型案例"
Zheng Quan Ri Bao· 2025-07-03 02:02
Core Viewpoint - The "Yinong Direct Link" model, developed by Beijing Rural Commercial Bank in collaboration with the Beijing Municipal Agricultural and Rural Bureau, has been recognized as one of the "Top Ten Typical Cases of Financial Support for Agriculture" for 2024, highlighting its innovative approach to rural fund management and efficiency improvement [1][2]. Group 1: Model Overview - The "Yinong Direct Link" model leverages digitalization and information technology to facilitate the entire process of village-level fund approval and payment, enhancing efficiency and promoting standardized, convenient, and transparent fund management [1]. - This model has been implemented in 141 townships (streets) across 12 districts in Beijing, achieving a fully networked process for fund approval and payment at the village level [2]. Group 2: Advantages of the Model - The model reduces the need for financial personnel to physically travel, allowing information to be processed online, thus saving costs and improving efficiency [2]. - It enhances village-level supervision by enabling online approval and payment processes, allowing each township to customize procedures to improve management efficiency [2]. - The elimination of paper checks minimizes operational risks, as funds can be disbursed and recorded on the platform after approval, reducing errors [2]. - The model provides 24/7 service, breaking time and space limitations, and is not restricted by traditional banking hours [2]. Group 3: Future Plans - Beijing Rural Commercial Bank aims to deepen government-bank cooperation and enhance service innovation, utilizing financial technology to support rural revitalization and contribute to the development of rural collective economies [2].