金江農(nóng)商銀行傾力支持縣域經(jīng)濟向高質(zhì)量發(fā)展
2018-07-03 17:01:25
來源：四川日報
作者：洪平趙娟學(xué)文 點擊數(shù)：
向新型農(nóng)業(yè)主體注入貸款 力保優(yōu)勢企業(yè)資金供應(yīng)
目前，位于宜賓縣的四川億豪鋼結(jié)構(gòu)集團有限公司，訂單應(yīng)接不暇；四川驚雷科技股份有限公司爆炸焊接金屬復(fù)合材料產(chǎn)品在國內(nèi)首家實現(xiàn)工業(yè)化生產(chǎn)。作為宜賓縣工業(yè)高質(zhì)量發(fā)展的代表，他們的興起，與四川宜賓金江農(nóng)商銀行（以下簡稱“金江農(nóng)商銀行”）的貸款支持緊密相連。與此同時，金江農(nóng)商銀行積極對接省農(nóng)擔(dān)公司和宜賓縣政府“政銀擔(dān)企戶”五方聯(lián)動信貸支農(nóng)新模式，推動新型農(nóng)業(yè)經(jīng)營主體做優(yōu)做強。這些跡象表明，金江農(nóng)商銀行已成為推動宜賓縣經(jīng)濟高質(zhì)量發(fā)展的重要金融力量。
強力“輸血”，支持新興工業(yè)發(fā)展
近年來，宜賓縣確定以“穩(wěn)中快轉(zhuǎn)、轉(zhuǎn)中快趕”工作基調(diào)，堅持“工業(yè)強縣、產(chǎn)業(yè)興縣”核心戰(zhàn)略，力促經(jīng)濟向好、向快、向高質(zhì)量發(fā)展。適應(yīng)這一戰(zhàn)略，金江農(nóng)商銀行積極支持戰(zhàn)略性新興產(chǎn)業(yè)發(fā)展，促進產(chǎn)業(yè)轉(zhuǎn)型升級。近兩年，貸款支持工業(yè)企業(yè)達80余戶，其中主要支持的不僅有四川億豪鋼結(jié)構(gòu)集團有限公司、四川驚雷科技股份有限公司，還有四川施利旺農(nóng)業(yè)科技開發(fā)有限公司等五家骨干企業(yè)。金江農(nóng)商銀行董事長劉建偉介紹，目前，該行仍給予貸款支持的工業(yè)企業(yè)有78戶，貸款余額達92739萬元。
“支持過程中，他們按照產(chǎn)品跟著市場走，服務(wù)跟著客戶走的理念，發(fā)揮農(nóng)商銀行決策鏈條短、靈活、高效優(yōu)勢，創(chuàng)新推出‘稅金貸’、應(yīng)收賬款質(zhì)押、固定資產(chǎn)質(zhì)押等貸款產(chǎn)品，滿足不同企業(yè)、不同階段的資金需求。”四川驚雷科技股份有限公司財務(wù)處長曾云介紹，當(dāng)公司訂貨量比上年同比增長50%，但由于客戶自身資金問題難以現(xiàn)款現(xiàn)貨，致使企業(yè)經(jīng)營資金周轉(zhuǎn)出現(xiàn)階段性困難時，金江農(nóng)商銀行以“量體裁衣”的方式為企業(yè)提出了以“鐵路專線”作為固定資產(chǎn)質(zhì)押貸款的方案，向公司放貸1000萬元,及時消除了公司“望訂單興嘆”的煩惱。
同樣有這一感受的還有四川億豪鋼結(jié)構(gòu)集團有限公司法人王宇。他說，金江農(nóng)商銀行是一家身邊的銀行、有溫度的銀行，在企業(yè)發(fā)展的關(guān)鍵時期，它都能給企業(yè)以全力支持。王宇說，從有做鋼構(gòu)新型產(chǎn)品想法的那一刻起，公司就得到金江農(nóng)商銀行資金的全力支持。他說：“目前，公司除中標(biāo)瀘州云龍機場鋼結(jié)構(gòu)工程等省內(nèi)外重大工程之外，還參與了美姑縣異地扶貧搬遷項目，承建牛牛壩二期及拉木阿覺鄉(xiāng)一期全部主體鋼結(jié)構(gòu)生產(chǎn)及安裝工程。”
積極參與，“政銀擔(dān)企戶”五方迅速聯(lián)動
新型農(nóng)業(yè)經(jīng)營主體以其集約性、專業(yè)性和規(guī)?；?jīng)營，在傳統(tǒng)農(nóng)業(yè)向現(xiàn)代農(nóng)業(yè)的轉(zhuǎn)化過程中，發(fā)揮著重要促進作用。其在大宗農(nóng)資購銷、農(nóng)產(chǎn)品收購和擴大生產(chǎn)經(jīng)營方面，有大量融資需求。但長期以來，因自身經(jīng)營實力不足，農(nóng)業(yè)經(jīng)營風(fēng)險較高，又缺乏足值的抵押擔(dān)保物，面臨較大融資難題。
基于破解這一難題，推進農(nóng)業(yè)產(chǎn)業(yè)向高質(zhì)量發(fā)展，去年以來，四川省農(nóng)業(yè)擔(dān)保公司在全川選擇宜賓縣作為試點，開展財金互動助推脫貧攻堅專項行動，探索將政府、銀行、擔(dān)保公司、新型農(nóng)業(yè)經(jīng)營主體、貧困戶五方聯(lián)結(jié)起來，由銀行向新型農(nóng)業(yè)經(jīng)營主體貸款，擔(dān)保公司提供擔(dān)保，政府貼息，新型農(nóng)業(yè)經(jīng)營主體聯(lián)系幫扶貧困戶，五方聯(lián)動解決農(nóng)業(yè)經(jīng)營主體融資難、融資貴問題和貧困戶持續(xù)增收乏力問題。
宜賓縣財政局相關(guān)負責(zé)人介紹，這一試點確定后，金江農(nóng)商銀行積極對接省農(nóng)擔(dān)公司和宜賓縣政府、縣財政局，主動爭取成為試點合作銀行，充分利用其農(nóng)村網(wǎng)點多這一優(yōu)勢服務(wù)縣內(nèi)新型農(nóng)業(yè)經(jīng)營主體，促進“政銀擔(dān)企戶”五方聯(lián)動信貸支農(nóng)新模式于2017年8月成功構(gòu)建。劉建偉透露，截至今年6月11日，金江農(nóng)商銀行已累計向這一模式中的新型農(nóng)業(yè)經(jīng)營主體發(fā)放貸款108筆5565萬元，有效帶動全縣1400多戶貧困戶增收致富，尚有近兩億元儲備貸款正處于審核中。實踐證明，五方聯(lián)動信貸支農(nóng)新模式已成為宜賓縣提升農(nóng)業(yè)產(chǎn)業(yè)發(fā)展質(zhì)量，實施鄉(xiāng)村振興戰(zhàn)略的重要金融力量。
責(zé)任編輯：FreeMarker template error:
get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvst43_6. See cause exception.
The failing instruction (FTL stack trace):
----------
==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50]
----------
Java stack trace (for programmers):
----------
freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...]
at freemarker.ext.beans.BeanModel.get(BeanModel.java:222)
at freemarker.core.Dot._eval(Dot.java:76)
at freemarker.core.Expression.eval(Expression.java:111)
at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116)
at freemarker.core.Expression.eval(Expression.java:111)
at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115)
at freemarker.core.DollarVariable.accept(DollarVariable.java:76)
at freemarker.core.Environment.visit(Environment.java:265)
at freemarker.core.MixedContent.accept(MixedContent.java:93)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:286)
at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86)
at freemarker.core.Environment.visit(Environment.java:265)
at freemarker.core.MixedContent.accept(MixedContent.java:93)
at freemarker.core.Environment.visit(Environment.java:265)
at freemarker.core.Environment.process(Environment.java:243)
at freemarker.template.Template.process(Template.java:277)
at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511)
at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58)
at com.ieccms.cms.staticpage.StaticPageSvcImpl$$FastClassBySpringCGLIB$$48520056.invoke()
at org.springframework.cglib.proxy.MethodProxy.invoke(MethodProxy.java:204)
at org.springframework.aop.framework.CglibAopProxy$CglibMethodInvocation.invokeJoinpoint(CglibAopProxy.java:700)
at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:150)
at org.springframework.transaction.interceptor.TransactionInterceptor$1.proceedWithInvocation(TransactionInterceptor.java:96)
at org.springframework.transaction.interceptor.TransactionAspectSupport.invokeWithinTransaction(TransactionAspectSupport.java:260)
at org.springframework.transaction.interceptor.TransactionInterceptor.invoke(TransactionInterceptor.java:94)
at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:172)
at org.springframework.aop.framework.CglibAopProxy$DynamicAdvisedInterceptor.intercept(CglibAopProxy.java:633)
at com.ieccms.cms.staticpage.StaticPageSvcImpl$$EnhancerBySpringCGLIB$$9500d33c.content()
at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365)
at sun.reflect.GeneratedMethodAccessor63729.invoke(Unknown Source)
at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43)
at java.lang.reflect.Method.invoke(Method.java:498)
at org.springframework.web.bind.annotation.support.HandlerMethodInvoker.invokeHandlerMethod(HandlerMethodInvoker.java:176)
at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.invokeHandlerMethod(AnnotationMethodHandlerAdapter.java:440)
at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.handle(AnnotationMethodHandlerAdapter.java:428)
at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:919)
at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:851)
at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:953)
at org.springframework.web.servlet.FrameworkServlet.doPost(FrameworkServlet.java:855)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:656)
at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:829)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:737)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:229)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at com.bes.enterprise.web.websocket.server.WsFilter.doFilter(WsFilter.java:48)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at org.springframework.orm.hibernate3.support.OpenSessionInViewFilter.doFilterInternal(OpenSessionInViewFilter.java:230)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:88)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at com.ieccms.common.web.ProcessTimeFilter.doFilter(ProcessTimeFilter.java:35)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at com.bes.enterprise.webtier.core.DefaultWrapperValve.invoke(DefaultWrapperValve.java:193)
at com.bes.enterprise.webtier.core.DefaultContextValve.invoke(DefaultContextValve.java:92)
at com.bes.enterprise.webext.BesContextCleanupValve.invoke(BesContextCleanupValve.java:50)
at com.bes.enterprise.webext.BESAppservValve.invoke(BESAppservValve.java:41)
at com.bes.enterprise.webtier.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:540)
at com.bes.enterprise.webtier.core.DefaultHostValve.invoke(DefaultHostValve.java:136)
at com.bes.enterprise.webtier.valves.ErrorReportValve.invoke(ErrorReportValve.java:77)
at com.bes.enterprise.webtier.core.DefaultEngineValve.invoke(DefaultEngineValve.java:83)
at com.bes.enterprise.webtier.connector.CoyoteAdapter.service(CoyoteAdapter.java:349)
at com.bes.enterprise.web.crane.http11.Http11Processor.service(Http11Processor.java:594)
at com.bes.enterprise.web.crane.AbstractProcessorLight.process(AbstractProcessorLight.java:61)
at com.bes.enterprise.web.crane.AbstractProtocol$ConnectionHandler.process(AbstractProtocol.java:802)
at com.bes.enterprise.web.util.net.NioEndpoint$SocketProcessor.doRun(NioEndpoint.java:1627)
at com.bes.enterprise.web.util.net.SocketProcessorBase.run(SocketProcessorBase.java:45)
at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149)
at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624)
at com.bes.enterprise.web.util.threads.WorkThread$WrappingRunnable.run(WorkThread.java:57)
at java.lang.Thread.run(Thread.java:748)
Caused by: java.lang.reflect.InvocationTargetException
at sun.reflect.GeneratedMethodAccessor62895.invoke(Unknown Source)
at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43)
at java.lang.reflect.Method.invoke(Method.java:498)
at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:912)
at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:275)
at freemarker.ext.beans.BeanModel.get(BeanModel.java:182)
... 75 more
Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [com.ieccms.cms.entity.main.CmsUser#293]
at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:435)
at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:189)
at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:182)
at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:215)
at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190)
at com.ieccms.cms.entity.main.CmsUser_$$_jvst43_6.getRealname(CmsUser_$$_jvst43_6.java)
... 81 more
