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| Customers conducting transactions at Agribank Xín Mần. |
As a mountainous area facing many difficulties, with fragmented transportation and many villages located far from the center, access to banking services for the people previously faced numerous obstacles. In response to this reality, Agribank Xín Mần proactively implemented various solutions to improve service quality and create the most favorable conditions for people to access capital and modern banking services.
The branch regularly reviews and improves its operational processes to be simpler, more transparent, and more open; shortening the time for processing loan applications and reducing unnecessary procedures to make it easier for people to access credit. At the same time, the bank's staff always demonstrates a sense of responsibility and dedication in guiding customers to complete their applications and promptly addressing any difficulties encountered during transactions.
A highlight in improving the quality of service at Agribank Xín Mần is the spirit of "bringing the bank to the people." Instead of waiting for people to come to the bank, credit officers proactively go to the grassroots level, staying close to the local area, directly visiting each commune and village to disseminate credit policies, guide people in accessing capital, check the effectiveness of capital use, and accompany people in developing production.
Currently, Agribank Xín Mần has over 1,100 loan customers with a total outstanding loan balance of approximately 425 billion VND. The credit capital is focused on investing in agricultural and rural development, livestock farming, forestry, fruit tree cultivation, service businesses, and meeting the living needs of local people.
Thanks to preferential loan capital and the increasingly improved service quality of Agribank Xín Mần, many households have been able to expand production, increase income, and stabilize their lives. Mr. Nguyen Khac Dong's family in Hamlet 1, Pa Vay Su Commune, boldly invested in developing a large-scale, systematic cold-water fish farming model. Thanks to the effective use of loan capital, the model has brought stable income, gradually improving the family's living standards.
For example, Mr. To Xuan Hai's household in Tan Son village, Nam Dan commune, used borrowed capital to expand their grocery business to serve the daily needs of local people. This well-directed investment has helped the store grow steadily, diversify its goods, and contribute to promoting commercial activities in the rural highland area.
Comrade Chu Dang Hung, Director of Agribank Xin Man, said: "In addition to improving credit quality, Agribank Xin Man is also actively implementing modern banking services such as cashless payments, fast money transfers, and electronic banking services; at the same time, guiding people to gradually access digital technology and become familiar with banking conveniences in their daily lives."
With practical and effective solutions, Agribank Xin Man is gradually bringing banking services closer to people in remote areas, contributing to unlocking resources for economic development, improving people's lives, and promoting socio-economic development in the locality.
Text and photos: Hoang Tuyen
Source: https://baotuyenquang.com.vn/kinh-te/202605/khoi-thong-nguon-luc-kinh-te-2607000/
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