2021 ESG Report
27 2021 ESG Report
Case
Priority Rural Village Loan to help rural ecological development
A green ecological agriculture company started a new rural construction project with an estimated
total investment of 73.3 million yuan. After learning about the situation, CSRC Bank learned the
construction plan in detail on site and matched the enterprise with our "Characteristic Rural Village
Loan" product. This product is dedicated to the construction of distinctive rural villages with regional
characteristics and modern civilization. We granted a total of 40 million yuan to the project with a
term of 8 years. The loan was granted in 7 tranches with a total loan amount of 29.5 million yuan
and a loan term of 5 years.
After the loan disbursement was completed, the enterprise quickly started the project and
successfully completed the construction of the whole project in three years. Through this project,
it has promoted the integration of the whole area development of Haiyu National Characteristic
Town. After the project is completed and maturely operated, it can bring an annual income of about
9.8 million yuan, which greatly promotes the local economic development and provides more labor
employment opportunities.
IT 欢迎他的光临
+
After the project is completed
and maturely operated,
it can bring an annual income
of about 9.8 million
yuan
观山云隐
16 欢迎您的光临
15.欢迎您的光临
Talent Team for Microfinance Services
"A Trillion Plan"
CRCBANK 28
Support the Development of
Micro and Small Businesses
In response to the difficulties in financing
micro and small businesses, CSRC Bank
has increased the efforts of inclusive financial
services, broadened the financing service
channels, improved the scale and efficiency
of credit granting, and cultivated and
strengthened micro and small market entities.
System and Talent Building
In order to strengthen the institutional
leadership of microfinance services, we has
launched "a trillion plan" to continuously
improve the lending mechanism and attach
importance to the construction of our talents
to continuously improve the quality and
strength of the services.
We proposed "A Trillion Plan" to develop 100 professional markets, extend credit to 10,000 households
and add 2 billion yuan in high-interest assets in 2021. By the end of 2021, we had visited 181 professional
markets in the jurisdiction, with 19,400 new credit accounts, credit amount of 3.692 billion yuan and credit
balance of 2.442 billion yuan.
Improve loan mechanism
•
We continue to improve the lending mechanism, increase credit allocation to first-time borrowers of micro
and small businesses. In 2021, we supported 1,342 micro and small businesses (including individual
entrepreneurs and micro and small business owners) with a total amount of 4.695 billion yuan through the
special product "Non-repayable renewals".
Talent team building
We attach importance to improving the construction of microfinance serving talents, optimizing the staff
structure and focusing on building a comprehensive talent team mainly for microfinance services. We have
set up a professional project team for "online banking" and gathered talents with various skills of "business
+ approval + technology" at the headquarter to provide talent support for microfinance services.View entire presentation