幫扶新型農(nóng)業(yè) 助力鄉(xiāng)村振興

2019-03-14 17:16:06    來源:   作者:  點擊數(shù):

 

“這筆資金解決了公司的燃眉之急,讓我們對今年公司的發(fā)展更有信心了!”四川俊文生態(tài)農(nóng)業(yè)科技有限公司負(fù)責(zé)人王小蘭在關(guān)帝分社拿到100萬元的貸款高興地說道。這是涪城農(nóng)信聯(lián)社認(rèn)真貫徹落實省聯(lián)社“助力鄉(xiāng)村振興戰(zhàn)略”的工作要求,積極響應(yīng)“四川農(nóng)信,助力鄉(xiāng)村振興”的時代號召,多方協(xié)調(diào)各級部門,通過“農(nóng)村土地流轉(zhuǎn)權(quán)抵押”發(fā)放的首筆“兩權(quán)抵押貸款”。

 

助力鄉(xiāng)村振興讓農(nóng)村資源“活起來”

一是多部門聯(lián)動,合力推動“兩權(quán)抵押”落地。涪城農(nóng)信聯(lián)社按照省聯(lián)社黨委的安排部署,緊扣農(nóng)業(yè)供給側(cè)結(jié)構(gòu)性改革主線,創(chuàng)新融資機(jī)制,破解農(nóng)業(yè)農(nóng)村“融資難、融資貴、風(fēng)險大”等難題,該社派駐專人,多次參加區(qū)部門聯(lián)席會議,研討制定《農(nóng)村產(chǎn)權(quán)抵押融資實施辦法》《農(nóng)村土地流轉(zhuǎn)經(jīng)營權(quán)登記管理辦法》等制度,明確了融資服務(wù)對象、范圍、模式等,完善了抵押登記服務(wù)體系,建立了農(nóng)村產(chǎn)權(quán)價值評估機(jī)制,建立了風(fēng)險分擔(dān)補(bǔ)償機(jī)制和資產(chǎn)流轉(zhuǎn)處置機(jī)制等,有效推動“兩權(quán)抵押”工作快速落地。二是明確職責(zé),共建“兩權(quán)抵押”運作平臺。按照“申請、資格審查、價值評估、聯(lián)席會議、抵押登記、發(fā)放貸款”的流程,由區(qū)農(nóng)村產(chǎn)權(quán)交易中心負(fù)責(zé)預(yù)審、價值評估等工作,區(qū)農(nóng)村產(chǎn)權(quán)行政主管部門負(fù)責(zé)抵押登記,農(nóng)信社負(fù)責(zé)貸款發(fā)放工作,明確了各方職責(zé)和操作流程。

 

主動尋求突破讓兩權(quán)抵押“轉(zhuǎn)起來”

一是完善制度,保障合規(guī)。按照國家產(chǎn)權(quán)管理相關(guān)法律法規(guī),結(jié)合前期試點工作情況,該社制定了《兩權(quán)抵押貸款管理辦法(試行)》等制度,明確了貸款的額度、期限、利率、抵押擔(dān)保等條件,確保業(yè)務(wù)合規(guī)合法運行。二是銀政合作,聯(lián)合推動。借助綿陽市政府與四川農(nóng)信簽署共同推進(jìn)實施鄉(xiāng)村振興戰(zhàn)略合作協(xié)議的春風(fēng),本著“政府引導(dǎo)、市場運作、風(fēng)險共擔(dān)、互惠共贏”的原則,該社與區(qū)農(nóng)委簽訂了《農(nóng)村產(chǎn)權(quán)抵押融資合作協(xié)議》和《農(nóng)村產(chǎn)權(quán)抵押融資風(fēng)險補(bǔ)償金管理協(xié)議》,明確了雙方的權(quán)利和義務(wù)。三是主動對接,擴(kuò)大范圍。自聯(lián)席會議召開和合作協(xié)議簽訂以來,該社安排分社,派遣專人主動對接轄內(nèi)種養(yǎng)大戶等新型農(nóng)業(yè)主體,就確權(quán)登記、抵押登記等的相關(guān)流程、手續(xù)、資料給予協(xié)助和服務(wù),現(xiàn)已有3戶主體進(jìn)行了確權(quán)登記,12戶主體正在辦理確權(quán)登記,已授信1800萬元。四是多方合作,風(fēng)險管控。遵循“銀農(nóng)合作、銀政合作、風(fēng)險共擔(dān)”的基本理念,涪城農(nóng)信聯(lián)社已爭取政府風(fēng)險基金300萬元,按照1:10的比例匹配信貸規(guī)模,同時,與政府簽訂產(chǎn)權(quán)抵押融資風(fēng)險分擔(dān)協(xié)議,該社承擔(dān)損失的30%,風(fēng)險基金承擔(dān)70%,同時,逐步探索由政策性擔(dān)保公司進(jìn)行擔(dān)保,減少風(fēng)險損失,確保“兩權(quán)抵押”貸款業(yè)務(wù)的平穩(wěn)運行。

 

踐行普惠責(zé)任讓融資成本“省起來”

四川俊文生態(tài)農(nóng)業(yè)科技有限公司負(fù)責(zé)人王小蘭算了一筆賬,100萬元的“兩權(quán)抵押”貸款比以前的信用貸款要少支付利息近3萬元。按照“金融機(jī)構(gòu)+農(nóng)村產(chǎn)權(quán)(土地收益)+政府風(fēng)險金”抵押模式和“政銀保、政銀擔(dān)”等合作模式,涪城農(nóng)信聯(lián)社實行優(yōu)惠利率政策,通過“讓利于民”逐步轉(zhuǎn)換新型農(nóng)業(yè)主體信用貸款模式,不僅極大地提升了新型農(nóng)業(yè)主體加快推進(jìn)“兩權(quán)”抵押的動力,鞏固了客戶基礎(chǔ),提升了農(nóng)信口碑,還有效管控了信貸業(yè)務(wù)風(fēng)險。(勾通)

 

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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#305] 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