南部農(nóng)商銀行“六方合作模式”助力養(yǎng)殖產(chǎn)業(yè)發(fā)展

2019-11-19 17:09:49    來源：   作者：  點(diǎn)擊數(shù)：

 

走進(jìn)南部縣永洲養(yǎng)殖農(nóng)民專業(yè)合作社封坎廟村養(yǎng)殖點(diǎn)，7個(gè)養(yǎng)雞大棚次第鋪開，一輛中型貨車?？科渲?，2名工人正在熟練地將成品雞搬運(yùn)至車中，1名飼養(yǎng)員正忙著對空下來的雞舍消毒，等候下一批雞苗的到來……此起彼伏的雞鳴讓這個(gè)平常的小村莊格外生機(jī)勃勃。

為發(fā)展壯大肉雞養(yǎng)殖產(chǎn)業(yè)，深入推進(jìn)金融精準(zhǔn)扶貧和鄉(xiāng)村振興，切實(shí)解決農(nóng)民增收難、過上好日子問題，南部農(nóng)商銀行充分發(fā)揮主力軍銀行的責(zé)任擔(dān)當(dāng)，創(chuàng)新嘗試“農(nóng)戶+合作社+企業(yè)+銀行+擔(dān)保+保險(xiǎn)”六方合作模式，通過凝聚多方力量，積極給予信貸支持，為當(dāng)?shù)厝怆u養(yǎng)殖專合社、農(nóng)戶帶來了實(shí)實(shí)在在的收益。

 

產(chǎn)業(yè)初定肉雞養(yǎng)殖資金短板明顯

南部縣是農(nóng)業(yè)大縣、原國定貧困縣，盡管已于2016年實(shí)現(xiàn)摘帽，但防返貧形勢嚴(yán)峻，要實(shí)現(xiàn)農(nóng)民增收，就必須大力發(fā)展產(chǎn)業(yè)，為廣大農(nóng)戶尋找致富出路。為解決這一難題，南部縣政府牽頭成立了南部縣快樂川娃眾康種植養(yǎng)殖農(nóng)民專業(yè)合作社聯(lián)合社，有合作農(nóng)民專業(yè)合作社31家，并將肉雞養(yǎng)殖作為部分養(yǎng)殖專業(yè)合作社發(fā)展的重點(diǎn)產(chǎn)業(yè)之一。這些專合社在縣域陸續(xù)新建了高標(biāo)準(zhǔn)的肉雞養(yǎng)殖場，由于養(yǎng)殖場前期投入較大，面對單個(gè)標(biāo)準(zhǔn)棚動(dòng)輒20萬元的建設(shè)費(fèi)用，各合作社的農(nóng)戶在進(jìn)行基礎(chǔ)設(shè)施建設(shè)投入后再難有流動(dòng)資金，肉雞養(yǎng)殖一直不溫不火。

為助力縣域經(jīng)濟(jì)發(fā)展，南部農(nóng)商銀行堅(jiān)持金融服務(wù)實(shí)體經(jīng)濟(jì)的根本宗旨，積極融入縣域特色產(chǎn)業(yè)發(fā)展，主動(dòng)協(xié)調(diào)四川省農(nóng)業(yè)信貸擔(dān)保有限公司、中航安盟保險(xiǎn)，與南部縣快樂川娃眾康種植養(yǎng)殖農(nóng)民專業(yè)合作社聯(lián)合社、當(dāng)?shù)佚堫^企業(yè)四川安霖農(nóng)業(yè)開發(fā)有限公司攜手合作，創(chuàng)新推出農(nóng)戶+合作社+企業(yè)+銀行+擔(dān)保+保險(xiǎn)“六方合作模式”。

 

六方合力解決產(chǎn)業(yè)發(fā)展后顧之憂

在“六方合作模式”中，農(nóng)戶入股專業(yè)合作社或在專業(yè)合作社就業(yè)；專業(yè)合作社負(fù)責(zé)雞棚等基礎(chǔ)設(shè)施建設(shè)；南部縣快樂川娃眾康種植養(yǎng)殖農(nóng)民專業(yè)合作社聯(lián)合社負(fù)責(zé)對各專業(yè)合作社進(jìn)行技術(shù)指導(dǎo)，跟進(jìn)雞苗、飼料、藥品采購，幫助打開銷售渠道等；四川安霖農(nóng)業(yè)開發(fā)有限公司負(fù)責(zé)與農(nóng)戶共同推進(jìn)合養(yǎng)、代養(yǎng)等方案，并在肉雞出欄后進(jìn)行保底價(jià)收購；南部農(nóng)商銀行基于養(yǎng)殖規(guī)模和信貸需求，合理給予信貸扶持，并對合作社的運(yùn)營資金進(jìn)行監(jiān)管；中航安盟保險(xiǎn)提供小家禽養(yǎng)殖保險(xiǎn)，負(fù)責(zé)價(jià)格兜底和死亡賠償；當(dāng)貸款出現(xiàn)損失時(shí)，省農(nóng)業(yè)信貸擔(dān)保有限公司與南部農(nóng)商銀行按照貸款金額的7：3共同分擔(dān)風(fēng)險(xiǎn)。

南部縣永洲養(yǎng)殖農(nóng)民專業(yè)合作社負(fù)責(zé)人謝靜說，在農(nóng)商銀行信貸支持前，他們的資金只能維持3個(gè)大棚的運(yùn)營，肉雞養(yǎng)殖數(shù)量有限，一旦遭受瘟病，就是血本無歸。現(xiàn)在好了，不僅有了充足的資金，而且有了保險(xiǎn)的支持，只要一個(gè)養(yǎng)殖周期內(nèi)死亡率超過5%保險(xiǎn)公司就會賠付，每只可達(dá)25元，基本能覆蓋成本，大家更有干勁和底氣！在農(nóng)商銀行的支持下，謝靜所在的專合社分4次支用了200萬元貸款，新投產(chǎn)5個(gè)大棚，今年已陸續(xù)出欄成品雞18萬只，實(shí)現(xiàn)銷售收入750余萬元。

截至10月末，南部農(nóng)商銀行共計(jì)發(fā)放12家合作社貸款1387萬元，累計(jì)出欄商品肉雞30萬只，實(shí)現(xiàn)銷售收入約1300萬元。帶動(dòng)農(nóng)戶就業(yè)2315人，其中建檔立卡貧困戶686人，人均月工資收入達(dá)2500元。  

（潘爽）

 

 

責(zé)任編輯：FreeMarker template error: get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvstbe_6. See cause exception. The failing instruction (FTL stack trace): ---------- ==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50] ---------- Java stack trace (for programmers): ---------- freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$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$$6958ba50.content() at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365) at sun.reflect.GeneratedMethodAccessor8515.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.GeneratedMethodAccessor7319.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_$$_jvstbe_6.getRealname(CmsUser_$$_jvstbe_6.java) ... 81 more