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南部農商銀行“六方合作模式”助力養(yǎng)殖產業(yè)發(fā)展

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

 

走進南部縣永洲養(yǎng)殖農民專業(yè)合作社封坎廟村養(yǎng)殖點,7個養(yǎng)雞大棚次第鋪開,一輛中型貨車??科渲校?名工人正在熟練地將成品雞搬運至車中,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平常的小村莊格外生機勃勃。

為發(fā)展壯大肉雞養(yǎng)殖產業(yè),深入推進金融精準扶貧和鄉(xiāng)村振興,切實解決農民增收難、過上好日子問題,南部農商銀行充分發(fā)揮主力軍銀行的責任擔當,創(chuàng)新嘗試“農戶+合作社+企業(yè)+銀行+擔保+保險”六方合作模式,通過凝聚多方力量,積極給予信貸支持,為當?shù)厝怆u養(yǎng)殖專合社、農戶帶來了實實在在的收益。

 

產業(yè)初定肉雞養(yǎng)殖資金短板明顯

南部縣是農業(yè)大縣、原國定貧困縣,盡管已于2016年實現(xiàn)摘帽,但防返貧形勢嚴峻,要實現(xiàn)農民增收,就必須大力發(fā)展產業(yè),為廣大農戶尋找致富出路。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)殖農民專業(yè)合作社聯(lián)合社,有合作農民專業(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)展的重點產業(yè)之一。這些專合社在縣域陸續(xù)新建了高標準的肉雞養(yǎng)殖場,由于養(yǎng)殖場前期投入較大,面對單個標準棚動輒20萬元的建設費用,各合作社的農戶在進行基礎設施建設投入后再難有流動資金,肉雞養(yǎng)殖一直不溫不火。

為助力縣域經濟發(fā)展,南部農商銀行堅持金融服務實體經濟的根本宗旨,積極融入縣域特色產業(yè)發(fā)展,主動協(xié)調四川省農業(yè)信貸擔保有限公司、中航安盟保險,與南部縣快樂川娃眾康種植養(yǎng)殖農民專業(yè)合作社聯(lián)合社、當?shù)佚堫^企業(yè)四川安霖農業(yè)開發(fā)有限公司攜手合作,創(chuàng)新推出農戶+合作社+企業(yè)+銀行+擔保+保險“六方合作模式”。

 

六方合力解決產業(yè)發(fā)展后顧之憂

在“六方合作模式”中,農戶入股專業(yè)合作社或在專業(yè)合作社就業(yè);專業(yè)合作社負責雞棚等基礎設施建設;南部縣快樂川娃眾康種植養(yǎng)殖農民專業(yè)合作社聯(lián)合社負責對各專業(yè)合作社進行技術指導,跟進雞苗、飼料、藥品采購,幫助打開銷售渠道等;四川安霖農業(yè)開發(fā)有限公司負責與農戶共同推進合養(yǎng)、代養(yǎng)等方案,并在肉雞出欄后進行保底價收購;南部農商銀行基于養(yǎng)殖規(guī)模和信貸需求,合理給予信貸扶持,并對合作社的運營資金進行監(jiān)管;中航安盟保險提供小家禽養(yǎng)殖保險,負責價格兜底和死亡賠償;當貸款出現(xiàn)損失時,省農業(yè)信貸擔保有限公司與南部農商銀行按照貸款金額的7:3共同分擔風險。

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

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

(潘爽)

 

 

責任編輯: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