The academic team

To leverage professional advantages and boost local economic development, since July, the Golden Ear Financial Service Group of the School of Finance, Jiangxi University of Finance and Economics, has gone deep into Chaisang, Duchang, Wuning and other places in Jiujiang. It has carried out a series of practical activities including financial knowledge popularization, industrial financing connection, and rural financial demand research. With professional strength, it has injected financial vitality into county economic development and interpreted the responsibility and commitment of financial services for rural revitalization through practical actions.

This is the third year that the service group has provided services in Duchang County, Jiujiang. Members of the service group have focused on bank financing projects, corporate credit rating, financial leasing, commercial factoring and other areas to deepen cooperation with the state-controlled group. Team members have always based themselves on front-line positions: they standardized the filling of land transfer contracts, sorted, classified and filed the enterprise's documents received and sent over the years, created electronic files, and cooperated with the investment and financing department to complete businesses such as bank loans and financial leasing. By combining theoretical knowledge with practice and going deep into the front line of business, students can not only improve their professional practical skills, but also deeply understand the significance of financial services for the real economy.

In Chaisang, members of the service group were assigned to 5 units in batches, including Jiujiang Chaisang District Financial Development Service Center, Jiujiang Jiangzhou Investment and Development Co., Ltd., Jiujiang Chaisang District Investment Group Co., Ltd., and Agricultural Development Bank of China Jiujiang Chaisang District Sub-branch. In work such as dynamic maintenance of financing ledgers, drafting of creditor's rights and debts confirmation letters, compliance circulation of bills, system functional testing, preparation of financial briefings, and digital filing of loan archives, they transformed the knowledge they had learned into a package of micro-solutions covering risk control, financing, digitalization and other fields. This has contributed the wisdom of Jiangxi University of Finance and Economics to Chaisang District in strengthening risk management and control and improving administrative efficiency. 

In addition, members of the service group cooperated with Chaisang District Financial Development Service Center, District Civil Affairs Bureau and other departments to carry out special inspections and thematic publicity and education activities on preventing illegal financial activities in units such as Yuexin Elderly Care Institution. They uniformly designed and printed promotional materials and thematic promotional gifts containing common fraud methods in the elderly care service field, and posted risk warning posters in key areas of the institution. At the same time, a Compliance Operation Commitment Wall was set up, and the person in charge of the organization was organized to sign a commitment letter not to engage in illegal financial activities in a centralized manner, so as to compact the main responsibility of operation. The staff divided into groups to give patient and detailed explanations to the elderly living in the institution, so as to improve their ability to identify and prevent fraud. Through these three-dimensional measures, the compliance management level of elderly care institutions has been effectively strengthened, the awareness of fraud prevention among the elderly group has been enhanced, and a solid line of defense has been built for financial security in the elderly care service field of the whole district.

In Wuning, the team helped the urban investment group sort out the transfer paths of its subsidiaries, optimize the debt repayment plan template, and promote the preliminary preparation work for the investment of rural commercial banks, providing strong support for the enterprise's capital management and investment decision-making. At Jiangxi Yumin Bank, members of the service group learned in depth about the intelligent risk control system, and helped adjust the risk control model by retrieving and analyzing data through SQL. In practice, the team has transformed professional knowledge into practical efficiency, which not only improves the work efficiency and management accuracy of the internship unit, but also enables themselves to deepen their understanding of financial practices and temper their ability to solve problems.

It is reported that since its establishment in 2022, the Golden Ear Financial Service Group of the School of Finance has always adhered to the concept of applying what is learned to serve the local area, and organized outstanding postgraduates to go deep into grass-roots practice. The practice of the financial service group is a vivid practice of the School of Finance in giving play to its disciplinary advantages, linking university-local resources, and serving local economic development. In the future, the financial service group will continue to deepen the linkage with local areas, activate the vitality of rural finance with the strength of young people, and continue to make efforts on the road of promoting the sinking of financial services and helping local economies improve quality and efficiency, so as to contribute to the development path of finance with Chinese characteristics